So many of us treat our financial health like a new year’s resolution: something to break and forget about a month into the new year. If you’ve struggled to maintain healthy money habits in the past, know that you’re not alone and you’re not a lost cause. Financial freedom is possible. Wealth-building? Possible. A great retirement? Absolutely.

Financial success isn’t beyond your reach, no matter where you are starting this year. That isn’t to say it won’t be challenging: but it is also infinitely rewarding.

Whenever we see a headline proclaiming that yes, you too can become a millionaire, it’s natural to be skeptical. The majority of us have a pessimistic view of our money and our ability to make it work for us if we have no experience doing so. We don’t know if an investment will work out, if we can effectively grow our net worth, or whether or not we can construct the financial future we envision for ourselves.