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

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.

Belief is easier when it occurs within a community.

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.

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 people learned how to believe in something, that skill started spilling over to other parts of their lives, until they started believing they could change. Belief was the ingredient that made a reworked habit loop into a permanent behavior.

Habits are malleable throughout your entire life.