This week on The Retirement Readiness Podcast, hosts Tim Regan and Katie Umland take a mid-quarter pause to check in on their New Year’s resolutions and the habits that help turn big goals into lasting progress.

It’s easy to start the year with excitement and a long list of things you want to accomplish—but staying consistent once the initial motivation fades can be the real challenge. Tim and Katie discuss the importance of revisiting goals throughout the year, focusing on small daily habits rather than just outcomes, and recognizing the progress you’ve already made along the way.

The conversation also explores the difference between focusing on the “gap” versus the “gain”—a concept that reminds us to measure how far we’ve come rather than only looking at how far we still have to go. From writing goals down and creating reminders to finding accountability and building better routines, they share practical ways to stay on track even when life gets busy.

Click play for a thoughtful discussion about goal-setting, motivation, and why taking time to reflect on your progress can help you stay focused on what matters most.

3 Key Takeaways

• Checking in on your goals early in the year helps you adjust course and stay motivated before the year slips by.

• Focusing on daily habits—rather than just big outcomes—can make long-term goals much easier to achieve.

• Measuring progress by how far you’ve come (“the gain”) instead of only what’s left to accomplish (“the gap”) can keep you encouraged and moving forward.

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