A: Financial stress affects much more than someone’s wallet. It can impact sleep quality, relationships, and decision-making, which makes finding solutions that address both the symptoms and the root causes feel daunting. However, the social media trend, the “great lock-in,” could be the practical solution you need. Known by different names and often applied to fitness goals, its defined time frame is ideal for testing strategies and creating new money habits just in time for the new year. Creating a lock-in challenge gives you space to assess your situation and try solutions without the pressure to make changes permanent before you’re ready — which is especially helpful if you’ve struggled with budgeting or debt repayment in the past.

The lock-in is both a mental and practical framework

See Full Page