Most New Year’s resolutions fail by February, not because you’re lazy, but because willpower is emotional and finite. Here’s how to “program” your environment so change sticks.Thank you to our sponsors:NMLS 182334, https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 888-841-1319, for details about credit costs and terms. Or https://americanfinancing.net/PhilSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.