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Farrah Gray, author of "Get Real, Get Rch: Conquer the 7 Lies Blocking You From Success" says that consumers and investors making New Year's resolutions should start the process by exchanging hopes and dreams for a plan. In a radio interview, Gray said that most people let themselves get sidetracked from their goals because they don't have a plan to reach them, so they keep hoping to reach their targets without actually plotting the course to take to make good things happen.