As January quickly approaches, it’s time to consider resolutions for the new year. Eat healthier, drink less and “live life to the fullest” are all standbys, but personal finance goals often top these lists. Carmen Wong Ulrich, host of Marketplace Money, joins host David Brancaccio to discuss.

“If you want to make your resolutions to stick, one of the key things to do is to make them very concrete,” she says.

Do you want to save money this year? How much? Over what period time? And what for? Specific benchmarks can make all the difference — click the player above to hear more.