I know there was one of these for 2012, although on follow-up it didn't sound like too many people met their goals, so with a fresh year upon us, what are your goals or resolutions for 2013?

Mine are to 1) improve my times in both the WDW half marathon and full marathon here in a few weeks, 2) pay off ~10% of my remaining mortgage balance towards my goal of being mortgage-free before the age of 45, 3) save 20% of my pre-tax income towards retirement and 4) go out west again for 3 months in the summer.

Happy new year and I hope everyone is able to have the good fortune and maintain the hard work required to achieve your goals in 2013.