Every new year feels like a fresh start. A clean slate. We tell ourselves this will be the year we finally change: get healthier, save more money, slow down, or chase something meaningful. New Year’s resolutions give us hope, structure, and the feeling that change is possible simply because the calendar says so. But by February , most resolutions are already forgotten. So why does this happen — year after year? The Challenge of Accountability One major reason is lack of acco