NEW Year's resolutions often are health related. Losing weight, exercising more and quitting smoking are worthy goals for many individuals to take up in 2014.
But taking care of oneself also means taking care of business, for a healthier life means a longer life, which means a longer retirement.
That, in turn, means workers have to save more and earlier in their careers to accumulate the money required to pay for their Golden Years.
More Americans can no longer count on the company pension plan. Longevity and corporate pressures mean fewer people are covered by a defined benefits pension.
Even government workers should be concerned. While the state of West Virginia is in the 19th year of its 40-year plan to fix its pension plans, the fact remains that the state has a $5 billion unfunded liability - including $4 billion to cover teacher pensions, which remain only halfway to being fully funded.
As for Social Security, eight years ago the Bush administration warned that retirees would deplete its surplus by 2040 if changes weren't made.
Changes weren't made, and thanks to the recession and a near-jobless recovery, the fund is now expected to deplete its surplus in 2033.
The good news is Fidelity Investments reports that 54 percent of Americans made a New Year's resolution this year to get their financial houses in order.
Of that group, Fidelity reported: