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

The experiments show quite clearly that, as you resist more and more temptation, you're actually more and more likely to fail.

Disasters are usually a good time to re-examine what we've done so far, what mistakes we've made, and what improvements should come next.

It was shocking to realize how many low-income Americans don't have savings accounts.

Because cheating is easier when we can justify our behavior, people often cheat in small amounts: We can come up with an excuse for stealing Post-It notes, but it is much more difficult to come up with an excuse for taking $10,000 from petty cash.

Rainy day savings are incredibly important, because from time to time, bad things happen. And if you're not prepared for that, it's going to be really terrible.

Money is a great way to get happiness. Right? Lots of wonderful things you can do with money. The question is, are we really optimizing on that? So, if you think about getting lattes and getting cable. Which one of those is actually giving you a greater happiness, and if you have to cut on one of those, which one would you cut? So, I think thinking in terms of concrete terms would help us a great deal.