Happy New Year! As we kick off 2023, many of us are taking the first few weeks of the year to take a closer look at our personal finances. Ryan Davies, Chair of the Finance Department at Babson College, joins Nichole on this week's show to offer some insight and advice on budgeting, savings, and much more as we all try to navigate this volatile economy. PLUS: Making a New Year's resolution is one thing. Keeping it is another. Usually, the latter doesn't happen. Deborah Carr, Professor of Sociology at Boston University, explains why we tend to fall off the wagon when it comes to our resolutions, and shares some tips to help keep us on track.