Well, it's that time of year when any surviving financial resolutions from last year are likely to fly out the window in a frenzy of holiday shopping—which will make next year's resolutions even harder to keep.

And to that end, WalletHub has released its list of best and worst cities for "wallet fitness"—which, it says, "is about turning the country's biggest stressor—money, according to the American Psychological Association—into one of your biggest strengths."

Achieving top wallet fitness, or what we might call financial wellness, signifies that a person is in a stable financial position, able to comfortably meet existing obligations as well as plan for the future.

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