You may have gone into the new year vowing to be better with money. But it’s about that time when resolutions have been forgotten. So today we’re going to help you get back on track. Maybe you have a stack of bills from the holiday season rolling in. Or maybe you want to tackle lingering debt. Our guest is Emily Irwin. She’s the head of the advice center at Wells Fargo, and she’s going to help us get organized without getting overwhelmed. Plus, we’ll talk about why now’s the time to start getting ready for next Christmas.