The time between Christmas and New Year's is slower for most. It's a time to sleep in, get cozy, watch a movie marathon, and enjoy some well-deserved rest. For me, it's also a time when I take inventory of the passing year and begin to look to the next.

Most of us, if asked, would admit that we want more than we already have. Whether money, relationships, career, or possessions, we're wired to "reach" for more. This isn't always a bad thing. Considering the innovation we've experienced over the past 100 years, and how it's improved life for so many, I'm grateful that we keep reaching forward and upward. But, when it comes to finances, how can we know when reaching for more is not good?