Belief is easier when it occurs within a community.

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

The problem is that your brain can't tell the difference between bad and good habits, and so if you have a bad one, it's always lurking there, waiting for the right cues and rewards.

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

As people strengthened their willpower muscles in one part of their lives—in the gym, or a money management program—that strength spilled over into what they ate or how hard they worked. Once willpower became stronger, it touched everything.

If you want to do something that requires willpower - like going for a run after work - you have to conserve your willpower muscle during the day.

If you believe you can change - if you make it a habit - the change becomes real.