However, to modify a habit, you must decide to change it. You must consiously accept the hard work of identifying the cues and rewards that drive the habits' routines, and find alternatives. You must know you have control and be self-conscious enough to use it -- and every chapter in this book is devoted to illustrating a different aspect of why that control is real.

The Golden Rule of Habit Change: You can't extinguish a bad habit, you can only change it.

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.

Once you understand that habits can change, you have the freedom and the responsibility to remake them. Once you understand that habits can be rebuilt, the power of habit becomes easier to grasp and the only option left is to get to work.

Research suggests that investment bankers are more prone to commit fraud when they feel the competitor at their heels.

Between calculated risk and reckless decision-making lies the dividing line between profit and loss.

Habits are malleable throughout your entire life.