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

What people do is they pay the small loans first. Why? Because they enjoy making the number of loans smaller. But of course it is a very ineffective way to pay debt down.

I always found the appeal to the market gods a bit odd. Why would the market fix mistakes instead of aggravating them?

None of us always make the best financial decisions.

A very simple bad decision is to get into debt. And that is very expensive.

The major thing that holds you back when you're trying to change a bad habit like eating, smoking, or drinking too much is your belief you are out of control.

...[D]ivision of labor, in my mind, is one of the dangers of work-based technology. Modern IT infrastructure allows us to break projects into very small, discrete parts and assign each person to do only one of the many parts. In so doing, companies run the risk of taking away employees' sense of the big picture, purpose, and sense of completion.