I would like to start by wishing a happy new year to each distinguished reader of this section and wishing them prosperity for 2023 and beyond. How come it's so hard to keep those "new year, new you" promises to exercise more and put away more money for retirement? Most conventional economic mode
```
Members Only

Login or create an account to continue

This article is available to registered BusinessDay readers. Please login if you already have an account, or create a new account to continue reading.

New to BusinessDay? Register now and start reading.

```

Join BusinessDay whatsapp Channel, to stay up to date

Open In Whatsapp