Want to set financial goals that stick this year? Start with one word.

Content inspired by the insights of Vanguard Senior Behavioral Scientist Annie Wilson, PhD. Annie received a PhD in
consumer behavior from Harvard Business School and now works with Vanguard’s Center for Analytics and Insight.

Important information

All investing is subject to risk, including the possible loss of the money you invest.

Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.