New Year financial resolutions fail almost every time when they are vague (“I want to save more”), unrealistic (“I’ll become a crorepati in one year”), or lack a tracking system. In 2026, with India’s economy growing steadily at 6.5–7.5%, inflation remaining moderate (CPI around 4.5–5.5%), repo rate stable at 5.25%, mutual fund SIP inflows at record levels (?20,000–?25,000 crore monthly), and equity markets delivering 12–15% long-term CAGR despite periodic corrections, disciplined money habits can deliver massive progress — even if you start small.
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