Is Today The Most Depressing Day of The Year?

Have you ever noticed how great your day is going and how good you feel...until someone points out that today is supposedly the "most depressing day of the year?" The funniest part? There is an actual "formula" used to determine this. Its author, Cliff Arnall, declared the formula to be as it's pictured here – with W standing for weather, d standing for debt, T standing for the time since Christmas, Q representing how long it's been since your New Year's Resolution fell apart, M being motivation and Na being a person's "need to take action".