“Between calculated risk and reckless decision-making lies the dividing line between profit and loss.”

The biggest moment of flexibility in our shopping habits is when we have a child, because when you think about it, all of your old routines sort of go out the window, and suddenly a marketer can come in and sell you new kinds of things.

The waste from power plants is essentially what is left over when you burn coal. And as we all know, coal is a relatively dirty mineral.

I think I’m smart, and I know I was a good mom. But there wasn’t a lot I could point to and say, that’s why I’m special.

There’s something about it that makes other good habits easier.

Hiding what you know is sometimes as important as knowing it.

If you want to do something that requires willpower – like going for a run after work – you have to conserve your willpower muscle during the day.

Habits are malleable throughout your entire life.

The best agencies understood the importance of routines. The worst agencies were headed by people who never thought about it, and then wondered why no one followed their orders.

Companies aren’t families. They’re battlefields in a civil war.

Small wins are a steady application of a small advantage.

Belief is easier when it occurs within a community.

If you believe you can change – if you make it a habit – the change becomes real.

The problem is that your brain can’t tell the difference between bad and good habits, and so if you have a bad one, it’s always lurking there, waiting for the right cues and rewards.

Since the 17th century, insurance agents have been the foremost experts on risk.

Once you understand that habits can change, you have the freedom and the responsibility to remake them. Once you understand that habits can be rebuilt, the power of habit becomes easier to grasp and the only option left is to get to work.

Habits, scientists say, emerge because the brain is constantly looking for ways to save effort.