This is the time of year when many people make vows to lose weight, get out of debt or improve their lives in other ways.But various studies indicate that relatively few people who make New Year's resolutions actually acheive their goals. Louisville-based life coach and motivational speaker Stacy Vicari says the resolution usually falls apart early in the execution phase."It's just that they don't do the part that's the most important piece, which is to say, if i take myself out to how long it's going to take me to lose 15 pounds and work backwards, what do i have to do between now and that time to make that goal attainable," Vicari said.Vicari says people who make resolutions should keep their goals realistic, and not be afraid to fail.