New Year's resolutions for your money that you can actually keep

"If you have credit card debt, you have to get rid of it," said Jay Zigmont , a certified financial planner and founder of Child-Free Trust, an estate planning firm that works exclusively with child-free clients. "You will not beat paying off credit card debt in interest, or investing in the market."Financial advisors all agree on one thing: Credit card debt is the single biggest wealth killer. The average annual percentage rate (APR) on credit cards was 21.39% as of August 2025 , according to the latest Fe ...