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

If you dress a new something in old habits, it’s easier for the public to accept it.

Cravings are what drive habits. And figuring out how to spark a craving makes creating a new habit easier.

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

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

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.

The same process that makes AA so effective—the power of a group to teach individuals how to believe—happens whenever people come together to help one another change. Belief is easier when it occurs within a community.