Nicole Lapin

Friction, identity, and anti-goals rely on structure, not self-control.

They also reduce decision fatigue.

The average adult makes 35,000 decisions per day.

Your brain cannot debate every single purchase.

Instead, you decide once with good information and live by it.

And most importantly, they work with human psychology, not against it.

That's it.

These resolutions don't ask you to do the impossible.

They don't ask you to be perfect.

They just ask you to design a life where good money decisions become the default.

For today's tip, you can take straight to the bank, replace one financial should,

with a habit hook a habit hook ties a new behavior to an existing one something you already automatically do so after i make coffee i will check my transaction history after i get paid i will move 20 bucks into my investment account after i fill up my gas tank i will put five dollars in savings

Habit hooks work because your brain loves, loves, loves routines.

Attach a financial habit to a non-negotiable part of your day and the money behavior becomes non-negotiable too.

For the holidays, my family and I are headed to Florida to visit my in-laws.

It is super important to me that my daughter knows her extended family and has the opportunity to spend time with them.

While we're leaving one warm zip code for another, I know we'll still be getting that cozy holiday feeling of being with loved ones.

The not so cozy part is the cost of flying three people across the country.

I know a lot of us are feeling that this time of year.

The costs add up fast.