Every year, millions of people make New Year's resolutions to save more, spend less, or otherwise become savvier about their financial habits. And every year, most of these resolutions end in failure. Getting better with money and achieving your financial goals do not happen through passive waiting, wishing for life to be different, or gimmicky quick-fixes that promise you instant wealth. Living a healthy financial life requires real personal change (or a pocket change, you might say ) Thankfully, behavioral scientists have uncovered the secrets of habit modification which have the power to...