Why would you take money out of your paycheck at the beginning of the month when you don't know how much money you'll need?

What people do is they pay the small loans first. Why? Because they enjoy making the number of loans smaller. But of course it is a very ineffective way to pay debt down.

Even the most analytical thinkers are predictably irrational; the really smart ones acknowledge and address their irrationalities.

We usually think of ourselves as sitting the driver's seat, with ultimate control over the decisions we made and the direction our life takes; but, alas, this perception has more to do with our desires-with how we want to view ourselves, than with reality.

Marketing is all about providing information that will heighten someone's anticipated and real pleasure.

Scaling down individually is very hard. Imagine that if you go to a place where everybody is dressed nicely, and you are the only one who doesn't dress nicely. Everybody goes on vacations to a great place and you go to the Jersey shore. It's very hard to do these things without an organized mechanism, but it looks to me like there might be some organized mechanisms.

People are willing to work free, and they are willing to work for a reasonable wage; but offer them just a small payment and they will walk away.