our net guest john navien of the metlife premiere group has resolutions every bostonian should make in 2016. thanks for coming in. let's get right into it. four financial resolutions every bostonian should make in 2016. let's take a look at each one. i think we have a graphic we can show you. here they are. eliminate credit card debt. start a rainy day fund. make sure you are properly insure. start saving for retight. let's start off well emanating credit card debt . >>> sure, relevant time after the holidays and a lot of americans end up building up thing month to take into conversation is if you don't have the money to pay for something today unless your bonus insisted or variable compensation, not likely that you are going to have the money to pay for it down the road holding credit card debt at high interest rates can be debt ratal to any financial plans so be cautious of it, be cognizant of it. charge cards as opposed to credit cards if you want points and miles, better way it approach it. you can't hole a billion on the card if you do have a credit card pay it off every month. if