Have you felt the fashionable pull to publicly commit to a New Year Resolution?
Has your social news feed been flooded with images of bottles of Champaign, Wealth and high Fashion photos that only makes you feel isolated, or even bad about yourself?
Welcome to the annual New Year advertising splurge designed to separate you from what's left of your money, before you can really think about it.
But there are some simple rules that investors have been using to help wait patiently and build long-term wealth for decades.