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So it's barely February, and you're already slipping on your financial resolutions. So what? Forget despair and self-loathing. Here's a better idea: Make New Year's resolutions for 2021.

Ask yourself, "What do I need to do with my money now in order to be on track in 10 years?"

We found four people willing to get the tough answers to that question -- people whose situations mirror those of millions of Americans. The advice financial counselors gave them may very well also help you ring in a financially healthy 2021.

Good income but an impulse buyer

Tiffany Black, 30, who is single, earns $80,000 to $100,000 a year as a website producer in New York City. She's had a decent income since college but now faces her third round of credit card debt. This time it's $25,000, thanks in large part to a three-day birthday bash she threw for herself in March.

"I want to get married someday. I want to have kids. And I'm in no position to do that," Black says.

If her goal for 2021 is to be financially stable, then she first needs to tackle the psychology behind her behavior, advisers say. Though blowing 15 grand on a birthday party may not be common, incurring a debt hangover is, and it derails plenty of 10-year plans.

"It's compensatory consumption," says Tema L. Steele, the founder and president of Steele Financial Solutions, a Philadelphia-area advisory firm. "She's compensating for a lack of a relationship with all this other spending."

Less than a month after charging her party, Black learned that her mother, 71 and living on Social Security, had breast cancer. Though Black has $35,000 tucked away in retirement, her other savings, in case of emergency, would be only enough to cover two months' mortgage on an Atlanta house (where she used to live) that's worth less than she owes. Any cash left at the end of the month goes to her mom.

"Knowing what I know now, I wouldn't have thrown the party," Black says.

The good news for Black's 2021 portfolio is that she may have already learned the first, most crucial lesson, says Keith Newcomb, the owner of Full Life Financial in Nashville, Tenn.: "Stop everything. Think about what's important to you.

"If you take the time to think through your values and what's important to you, it's easier to resist what feels good now," Newcomb says. With every expense, stop and think, "How does this align with what's important?"

After Black stops the bleeding -- arranging a short sale of the house and reducing monthly bills -- she should spend time with a financial counselor, says Steele, with an emphasis on the word counselor.

"There are more people than we would probably choose to think that are like this, with credit card debt and going along and thinking everything's fine," Steele says. "Unless she deals with her psychological issues, nothing's going to change."

Middle income but supporting relatives

Erin, a 27-year-old administrative assistant in Cape Coral, Fla., has been responsible almost to a fault.

Erin, who asked that her last name not be used, earns $45,000 a year with overtime and each month puts $50 into a Roth IRA (she has $18,000 in private retirement accounts), deposits $150 into an emergency fund (it now totals $1,500) and gives $140 to charity. She's taking advantage of her company's tuition reimbursement to chip away at a bachelor's degree.

But in 2008, right after Erin bought a house, her mother and brother lost their jobs and moved in. Stuck in one of the weakest job markets in the country, her mother gets variable hours as a grocery clerk and helps with electricity and food. Her brother's unemployment benefits ran out more than a year ago.

Erin's credit cards now show a $13,000 tab. She's willing to make sacrifices, but where?

"Every month I look and say, 'Is this the month that I'm not going to be able to give to charity? Or is this the month that I'm not going to make a 401k contribution?'" she says.

It's the question nagging families everywhere as the economy chugs into a slow recovery and unemployment remains high. How do you save for the future when the present is so taxing?

"Bless Erin's heart; she's got the heart of a saint," says Newcomb. But to reach her goal for 2021 -- to be solvent and securely provide for her mother -- she'll need to dramatically alter course now.

Perhaps paradoxically, that means cutting out the money for retirement, savings and charity, and nixing that consumer debt.