By David Wismer Jerry Wagner’s recent article , which focused on New Year’s resolutions and Flexible Plan Investments’ approach to goals-based investing, caught my attention. Although I was aware that a relatively low number of people make concrete resolutions each year, and even fewer keep them successfully, I was not aware that the older generation was far less interested in doing so than younger people. I was surprised at the age dichotomy—perhaps because I am one of the 19% of those over 55 who tend to make at least one resolution every year. I decided to test out the research results with my own unscientific survey of about a dozen friends and family members, all over the age of 60. Jerry’s premise and the research he cited were right—at least according to this group. Only one person consistently made a resolution each year—and he said it has been the same one for the last five years: “Take 10,000 steps every day.” When I asked the others why they did not make resolutions, the responses ranged from the uninspiring ( “I am too set in my ways, why bother?