I know you've told yourself that you're going to stop this, that you're going to give up this dirty spending habit you have. The harsh reality is you can't give me up! That big fat rinse is looming, that mega relapse-fantasy is just around the corner. 2020 is not going to be like every other year, you're right about that, its going to be even better, even more lucrative for me and weakening for you as I really go to town on your finances to prove a point to you and teach you a lesson! You can't escape my seduction! Ever!