Lincoln Financial recently took to the streets of Brooklyn, N.Y., to gauge the public’s optimism about 2015, and learn more about the resolutions they are planning for the New Year. In these on-the-street style interviews, people had a positive attitude when they expressed sentiments like the desire to save more, start college funds, expand businesses and enjoy retirement. But transforming financial goals and resolutions into realities requires a plan and actionable steps. This M.O.O.D. on the Street video offers three for you to check off your list before the new year.