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Most, though, have not made it a priority.

More than a third of U.S. adults have set a financial goal for 2013, according to a new survey from the American Institute of CPAs, and almost half of them will likely fall short. In the past five years, 43percent of those who set a personal finance goal as New Year's resolution failed to meet it or maintain it, according to the AICPA research.

The AICPA has published its first ever consumer book, "Save Wisely, Spend Happily," to empower Americans with tips, tools and insight to manage the fallout from the fiscal cliff and myriad other financial challenges they may face in the new year. Authored and edited by international bestselling author Sharon Lechter, CPA, "Save Wisely, Spend Happily" weaves together the collective wisdom of 125 CPAs from across the country, representing more than 1,000 years of collective wisdom.

9NEWS spoke to Lechter Thursday morning regarding how you can master your money, how to overcome the fiscal-cliff fallout and how to talk about money with friends and family.