Most of the choices we make each day may feel like the products of well-considered decision making, but they’re not. They’re habits.

Since the 17th century, insurance agents have been the foremost experts on risk.

At some point, if you're changing a really deep-seated behavior, you're going to have a moment of weakness.

The biggest moment of flexibility in our shopping habits is when we have a child, because when you think about it, all of your old routines sort of go out the window, and suddenly a marketer can come in and sell you new kinds of things.

Self-discipline has a bigger effect on academic performance than does intellectual talent.

When a habit emerges, the brain stops fully participating in decision making. It stops working so hard, or diverts focus to other tasks. So unless you deliberately fight a habit -- unless you find new routines -- the pattern will unfold automatically.

Champions don’t do extraordinary things. They do ordinary things, but they do them without thinking, too fast for the orther team to react. They follow the habits they’ve learned.