The people who need to overcome temptation to the highest degree have the hardest time doing it.

When you get a checking account, you should have a savings account, and the number for the savings account should be one off of your checking account.

Motivation, basically getting people to be happy at work, everybody - everybody benefits.

If you think of people as making decisions actively, every time we think about the cup of coffee, we say, "How much will I enjoy the cup of coffee, what else could I not do in the future because I buy this cup of coffee?

The retail industry has its own headache: it loses $16 billion a year to customers who buy clothes, wear them with the tags tucked in, and return these secondhand clothes for a full refund.

The most difficult thing is to recognize that sometimes we too are blinded by our own incentives. Because we don’t see how our conflicts of interest work on us.

When you're in pain, tomorrow doesn't exist - just the pain - and the only thing that you want in the world is for it to go away.