January is here, and we all have high hopes for this year—especially after 2020. But here’s the thing about a new year: It’s still the same you. When midnight came on New Year’s Eve, there was no magic wand that transformed you and took all your problems away. The only way anything is going to change for you this year is if you do it yourself! The past couple years I’ve been researching what causes people to reach their financial goals. One of the things I discovered is that we all have the capacity to improve. We just need a little self-awareness to make it happen. There are seven strengths and weaknesses everyone has when it comes to their money. I call them the 7 Money Tendencies. Knowing your personal tendencies will help you reach your goals faster because you know what to expect. You can see a potential pitfall from …