what to expect: what i recommend to achieve new years resolutions in 2026
December is a time for celebrating the Holiday’s with family and friends. It can be a deep breath after a year of hard work. This past year was a stressful one that took a lot of strength and resilience. While people are out of office, or on a much needed break between semesters of school, it is the perfect time to set intentions for the year to come.
I appreciate the time of year to refresh my goals and vision, spending time reflecting and imagining.
Reflection: The Key to Goal Setting
The first step before I set goals for the New Year is having an open and honest reflection of my current state. It allows you to gain insight to move forward, appreciating where you are while also recognizing areas that you have room to grow.
One journaling exercise is the four interior empires. The idea, originally introduced in “The 5 AM Club” by Robin Sharma, is your mindset, healthset, heartset, and soulset.
The mindset focuses on personal development, learning, and growth. This is things like daily journaling, podcasts, writing, and other creative outlets.
The healthset is all things physical. Working out, movement in general, sleep, hygiene and what we eat or drink.




Our heartset is emotional well-being and relationships. The connections we have to other people and are ability to process and handle emotions.



Lastly, our soulset is our belief in ourselves and purpose. This can be our value, outside of our external appearence or material items.
These four quadrants make up ourselves. Draw a circle and split it into these four quadrants. Anything written inside the circle are things you do that focus on each empire. Anything outside of the circle is things you don’t do, or things that may have a negative impact on that area.


After filling in your sheet, try to rate from 0-25% for each quadrant. These four quadrants make up your whole 100% self. It is important to note that you cannot fulfill yourself with just one. While you may be fulfilled your fitness goals, hitting the gym, eating clean, and doing all the right things, you cannot reach 100%. You still have 75% of yourself. It is a reflection that can call attention to areas that you may be neglecting. This acts as a great eagle eye view of where you are thriving and where you can grow.
Envision Your Future Self
The next exercise you can do alongside the four interior empires is envisioning a future version of yourself. What values do they possess? How do they spend their time ? What do they have?
I started by writing a list of things that my future self would say. Here are some examples: I prioritize my health, I eat whole foods, and I train consistently, not obsessively. I am a lifelong student. I make service a priority. I don’t need to drink to have fun, I have genuine relationships, and I say no when I need to re-charge. I have a unique and comfy space and I spend money on experiences more than things. By envisioning my future self, I have created a list of my values. Now try to connect these values and future state with actionable goals.
Our goals can be long-term, medium-term, or short-term. With the reflection we have just completed, we are better able to set the standard for 2026.*
*Set the Standard, a phrase I got directly from Nick Bare.
Forward Think, Backwards Plan
Then plan backwards. By imagining your end goal, you can then set up your week or months to create actionable steps to get there. What are the incremental changes that will get you there.
If you are in the process of trying to better yourself, I highly recommend reading James Clear Atomic Habits. The book acts as a guide through bettering yourself every single day. In his words “small habits, when repeated consistently, lead to remarkable results.” A big downfall to New Year’s Resolutions, is that people set goals that are extreme and unsustainable. This leads to an “all-or-nothing mindset,” that when you make one small mistake or miss one day, that suddenly it is not worth it at all.
The little things, really are the big things. Creating a set of daily habits that your future self would do can make a huge difference in achieving your goals.
Building a habit takes time, with studies ranging from as short as 21 days to as long as five months, with the median being 59-66 days (Singh et al 2024). It is far from sexy to build a habit, it can be uncomfortable and unnatural. However, habits are everything to achieve your goals. You want to get in the gym, you have to create habits that align with being a person that does. The closer you align your habits with someone that does go to the gym, the more you associate your identity as someone who is fit and active. Identity has profound power in shaping habits.
Currently, some habits I hold and recommend are: making your bed daily, reading for 20 minutes (at least), walk 10K steps, sleep eight hours, tidy up 10 mins before bed, skincare at night, and journal. The habits I am looking to build are to : hit my protein goal each day, drink 12 cups (~96 ounces) of water a day and begin waking up at 5 AM. These lists are not exhaustive, but you can use them as inspiration for some of yours.
The FourMs in Goals: Markets, Money, Movement, and Mind
Specific to the four areas this blog encapsulates, there are goals I want to focus on in the new year.
For markets, I want to challenge myself to dive further into complex topics. I want to continue reading, however incorporate note-taking, and writing about said topics here. Mind or mentally, I want to keep taking active steps to understand and regulate my emotions, as well as continue to grow my positive mindset through journaling, therapy, and creative outlets. I strive to decenter technology from my hobbies as much as possible, while still fostering the knowledge tech allows me to access.
For movement, as always I want to increase by aerobic and anaerobic endurance while also gaining strength. I want to have movement that promotes longevity and health, while also being an outlet for stress relief and enjoyment.
For all goals related to fitness, I recommend changing any aesthetic goals to functional goals. When I was younger, I approached the gym as a way to change my body. I strived to be smaller, and struggled to get myself to the gym. I typically went, did cardio and abs, and saw little results. It was a form of self-loathing almost, always trying to change myself with each trip. I would tell myself, if I do 10 more minutes of cardio, then I will be that much better looking. No wonder I hated the gym.
The most important aspect of fitness is consistency. Nick Barre, CEO of Bare Performance Nutrition always says, “It is better to do good consistently than great sometimes.” This quote has always resonated with me greatly. Progress in the gym comes from years of going to the gym consistently.
Having functional goals makes the gym exciting and have purpose. I really enjoy to challenge myself physically, so I want to eventually do a Hyrox competition. I hope to run farther, and faster, as well as get my first pull up.
Gym goals are great when you have a community. If you have someone you share your fitness goals with that you see often or can workout with, they can act as your accountability buddy. This will keep you energized and motivated, as you will build off each others progress.
Lastly, money. I want to work towards my financial goals, investing time into my financial literacy.
(all opinions are my own)
When I first began investing in high school, I did what most competitive little sisters do, I bragged to my sister about my new knowledge. It was some of my first conversations around money. My sister and I have had conversations recently about personal finance; I encouraged her to invest, but the conversation usually resulted in her discomfort. She would joke when I talked about personal finance that she would one day “live in my pool house.” She always said money conversations would stress her out.
Now looking back to when I first began talking to her about money, I did not know much of what I was talking about, but the importance was that I began. Over the years after, I committed time and effort to learning about personal finance. My sister held a fear that many relate to, that they don’t have the knowledge to invest. Fear of money prevents people from financial freedom and opportunity.
What is Financial Literacy and what does it look like?
According to the President’s Advisory Council on Financial Literacy in 2008 is the “ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.”
Financial literacy is feeling confidence in your budget, spending, and saving. It is knowing your options and deciding between them. It is devoting time to set goals and backwards plan. It is talking and thinking about money with your loved ones. It is created financial boundaries, and doing things that cause you the least stress.
In my opinion, the first thing you can do, is put this prompt into ChatGPT. “I am X years old, I have Y forms of income, and Z outstanding debt. Give me all the financial considerations at my age with these goals…”. For me, AI is a great starting point, use this list to then find primary sources from knowledgable individuals. Always, always, take AI recommendations with a grain of salt. I viewed the first response as a way to get my brain moving, and the rest was doing my own research.
The list of considerations I look into on a regular basis: income, budgeting, debt (credit cards, student loans, car loans, or private loans to name a few), insurance/healthcare, taxes, investing, and retirement planning.
Plan one monthly date with yourself. During this time, treat yourself to a comforting food item or fun drink and open up your various accounts. Look through how you are spending and saving. Set some financial goals and going through various resources.
some resources I have found helpful:
Financial Feminist was the very podcast I have listened to about this subject, and I highly recommend checking out her content. I recently watched the Youtube video below that covered the major topics. She lives in Canada so this has a few different elements (tax-free investing in Canada has different names).

Beginning to take time to understand your personal finances and set goals is essential to your livelihood and well-being. There is so much content online, so try to always fact-check and talk to friends/families/peers! Money can be scary, but begin to talk and interact with financial literacy topics to make it less daunting.
works referenced
Clear, James. (2018). Atomic habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones . Penguin: Avery.
President’s Advisory Council on Financial Literacy. (2008). 2008 annual report to the President. U.S. Department of the Treasury.
Financial Literacy and Education Commission
Singh, B., Murphy, A., Maher, C., & Smith, A. E. (2024). Time to form a habit: A systematic review and meta-analysis of health behaviour habit formation and its determinants. Healthcare (Basel, Switzerland), 12(23), 2488. https://doi.org/10.3390/healthcare12232488










