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

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.

There's something about [cyclically] doing something over and over and over that seems to be particularly demotivating.

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.

Giving up on our long-term goals for immediate gratification, my friends, is procrastination.

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.

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