In college, my roommate Jack announced his big New Year’sresolution — to finally stop smoking. He was a long-distance runnerand was seeing the toll his habit was taking on hisperformance.

By mid-January, however, it was clear that his resolution waswas not to stop smoking cigarettes, it was tostop buying them. Every time he felt the urge to smoke,he asked to “borrow” a cigarette from one of my other roommates. ByFebruary, his resolution was forgotten.

Resolutions don’t work. Think about the thousands of people whosign up every year with a local health club, resolving to go aminimum of three times a week for the year to finally get in shape.The owners and managers of those clubs love this time of yearbecause they know that by February, most of those people will havestopped coming on a regular basis, but they’ll have to continue topay on their contracts until year’s end.

Difference is in the details


As you’re reading this, financial and insurance professionalseverywhere are making 2017 New Year’s resolutions to make morecalls, or to make and keep more appointments — to make more sales.But by the end of January, those resolutions will most likely havebeen forgotten as well, and these professionals will be backto the habits of 2016.

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