As the New Year approaches, it is time to make resolutions. Rob West talks about making a special resolution for 2023: to become debt-free. This practice has its roots in a Christian tradition and is supported by God's Word. Studies show that people are more likely to keep their resolutions if they make them at New Year's, and the SMART acronym can help. Rob also answers listener questions about life insurance, retirement accounts, 401k hardship withdrawals, and variable annuities. Make a resolution to become debt-free in 2023 and take the first step towards financial freedom.