We’re two months into the new year and some of us might have already crafted the ‘perfect’ plan of success…but guess what? It’s very likely that months will pass, life experiences will get the best of us, and we’ll forget the long-term goals that we’ve set for ourselves. Studies have shown that approximately 8 percent of individuals who set New Year’s goals actually achieve them.

That means that approximately 92 percent of us set goals and never reach them. Perhaps we never reach them because we’ve bitten off more than we can chew.

When we create and set long-term goals, it is important to remember that we must also include short-term action steps that represent small victories toward our ultimate goals. If you’re the type of person who is easily overwhelmed with long-term planning, here’s how you can break down your long-term goals into manageable, short-terms wins.

Whether making an investment, changing careers, planning a residential move, entering a relationship, or starting a business, there are many times in life it’s best to look carefully before you leap. In other words, you want to ensure the risk you are taking is a calculated one. A calculated risk is taken after you consider all the hazards, potential impact, and possible rewards of your action or inaction.

Before taking major risks, we all wish for security and that rolling the dice will pay off. While nothing in life is guaranteed, following the steps of due diligence described in this checklist can help you feel more confident taking the next big step.

Quitting a job is never easy, but the most anxiety-inducing part can be the thought of facing your boss and telling them you are leaving. That is why formalizing your resignation through a letter has become a business standard. In fact, when you give just a verbal resignation, employers will often ask you to submit written notice anyway. So, writing a resignation letter is not only a smart way to approach a potentially awkward situation, but also it’s often expected by employers. Here’s a guide to writing a resignation letter that will keep you on good terms with the company and preserve the integrity of the all-important reference for your professional future.