People are irrational - and predictably so.

When people are in severe pain, there's an expression, you're a "pain person," and what that means is that nothing else matters.

Imagine you owe on five credit cards, you owe five debts. So which debt should you pay first? And the answer is very simple: You should pay the one with the highest interest rate first. But that's not what people do.

I don't want to say that the poor are inherently cognitively diminished, but at the end of the day of making difficult, tough decisions, it's very hard to have the energy to think about things with the right mindset.

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

I think we could get people to both be more productive and happier. We're less productive as individuals. We're less productive as companies, and we're more miserable.

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?