It is good for us to take the time out and reflect on the reasons why we work hard, what is it all for? Building wealth and improving financial stability can provide security, freedom, and the ability to achieve our long-term goals. People often choose the start of the year to build new habits, change isn’t just for New Year’s Resolutions. Change only comes from small incremental changes. Whether you define your financial goals, create a budget, establish an emergency fund or pay off some debt these all form part of a plan.