I can’t emphasize this enough: the quickest and easiest way to screw up your life is to take on too much debt. The primary reason people spend decade… - Josh Kaufman

Practice by the clock in short bursts.

In the long run — and often in the short-run — your willpower will never beat your environment. — JAMES CLEAR, AUTHOR OF ATOMIC HABITS Let’s say you decide to remove refined sugar from your diet. There’s overwhelming evidence that it’s not good for your health, and you’re convinced your quality of life would improve if you can kick the habit. There’s just one problem: sugar tastes good, and you experience cravings that are difficult to resist. How can you make it easier to change your eating habits? One of the most effective strategies is simple: don’t purchase products with refined sugar at the grocery store, get rid of any food with added sugar in your house, and purchase a few healthy snacks that meet your new criteria. If sugar isn’t available when and where you experience hunger, and if there are easy alternatives to your typical choices, there’s no need to resist temptation: the structure of your immediate Environment makes your new behavior automatic. A few minutes of willpower applied to altering the world around you can make it much easier to act in the ways you’ve decided to act.

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