Essence Magazine:
By Kara Stevens ·Updated January 14, 2026 Getting your Trinity Audio player ready…
Every January, we’re told this is the year we’ll finally “get our money together.” New budget. New app. New level of discipline. And yet, by February—or sooner—most of those plans quietly fall apart. It’s not because you’re lazy or bad with money. It’s because most financial plans aren’t built for real life.
Start With Facts, Not Feelings
“Most ‘new year,
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