Core Insights - The article discusses the importance of setting realistic financial resolutions at the beginning of the year, emphasizing that many Americans view the new year as an opportunity for a fresh start in their financial planning [2][3] Group 1: Financial Resolutions - The most popular financial resolutions for Americans in 2025 include saving more money (43%), paying down debt (37%), and spending less (31%) according to a Fidelity survey [2][6] - A separate study by Allianz indicates that Americans are prioritizing financial stability as part of their New Year's resolutions [3] Group 2: Planning and Goal Setting - Experts recommend reviewing personal finances in the context of life changes, such as marriage or starting a family, to adjust financial goals accordingly [4][5] - It is advised to create a mix of short-term and long-term financial goals, such as paying off credit card debt and increasing retirement savings over time [6][7] - Financial planners suggest that resolutions should be tailored to the individual's life stage, with specific plans for those nearing retirement versus those further away [8]