Most workers expect to receive Social Security benefits when they retire—and if they’ve earned at least 40 Social Security credits during their career, they will. What they may not expect is the additional benefit their spouse can receive as a result. Consider these often surprising facts about the lesser-known social security spousal benefit program.

Life expectancy is increasing, Social Security benefits are shrinking, and a recent study shows that 54 percent of Americans have too little saved to ensure an adequate income stream after they collect their last paycheck. Given these facts, you’d expect more of your workers’ New Year’s resolutions to focus on retirement—but that’s not the case.

In order to legally operate your motor vehicle in the U.S., you must have a car insurance policy in place. The minimum requirements for bodily injury and property damage liability vary by state and must be considered when selecting insurance coverage. These minimums won’t change as your car ages, but the additional coverage you choose to purchase may.

Also known as EPLI, employment practices liability insurance is designed to protect small businesses in the event an employee files a lawsuit claiming harassment, discrimination or another such wrongdoing. It’s a worthwhile investment; employment practice lawsuit settlements can cost businesses millions of dollars.

We’re a full month into the New Year and many of us are already losing interest in the goals we set 30 days ago. Skipping the occasional yoga class or spending an afternoon or two binge watching Netflix is unlikely to really hurt you in the long run. However, ditching the financial promises you made to yourself as 2015 became 2016 just might.