An Easier New Year's Resolution to Follow

Just go to ChoosetoSave.org, where there's a handy calculator called the "Ballpark Estimator" that will do the work for you. The Employee Benefit Research Institute has created a personalized, in-depth process to help you know where you stand and what you might want to do to make your dreams come true.

Surely there are a lot of things you could resolve to do in the New Year to change your personal financial future. But you've made those resolutions before, perhaps with little success. So don't feel compelled to take action. Just resolve to peek into the darkness under your personal financial bed.

Just one thing: You have to want to know. That's the first step to change. And that's The Savage Truth.