Dear Reader, January has a reputation for fresh starts. New habits.New goals.New motivation. And then—very quickly—motivation fades. Not because you’re doing something wrong, but because change doesn’t happen in isolation. You can’t change a financial habit without looking at the whole picture. It’s not as simple as “spend less” when eventually you’re tired of being home all the time and want to live your life.It’s not as simple as “pay off debt” when you also want to travel or want to buy...