Mine would be reduce sugar, reduce toxic people, increase investments, plan something for old age. And that should be the pattern. I don't know how much of that would turn out to be true but so far has worked for me is the money related stuff everything else just misses randomly. New year resolutions are so hard to keep up.
What sugar are you going to sacrifice? Which toxic person will you remove from your life? Where will you get the money from to invest?
For sure, but why? Normally they are things that we want, so shouldn't they be easy to work for? This is why I am going to try sacrificing what I want, to give space for another want to fill.