But because human being tend to focus on short-term benefits and our own immediate needs, such tragedies of the commons occur frequently .

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.

For all of us, it's very hard to think about money, and because of that, we need help. In the same way that for all of us, it is hard to eat well, and we need some help. The poor have a particular challenge, which is that their life is actually much more complex - and they're much more complex cognitively.

We need to believe that we're good people, and we'll do just about anything to maintain that perception.

With everything you do, in fact, you should train yourself to question your repeated behaviors.

that when given the opportunity, many honest people will cheat.

The people that lend you money basically give you an answer based on the risk that they are willing to take. But just because a bank is willing to take a particular risk doesn't mean that that is the right amount for me to spend.