Habits and Structuring: The human willpower is of limited help when trying to change habits or create new ones. Everyone has habits that are hard to change. If you repeatedly forget to do something, you may feel embarrassed. In that case, you need to change the structure. For example, change the order of tasks. This is called coupling or decoupling, and connecting new habits with existing ones can make changes easier to implement. For instance, if you often run late in the morning, consider changing the order of your routine or linking it with another habit. If you forget to take your morning medication, try attaching it to another daily activity, such as drinking water before or after a meal, and the habit of forgetfulness will fade. Relying solely on willpower is unwise. - Joseph’s “just my thoughts”
Most people substitute the issue of choice with the issue of ability. They recognize they cannot do it because scaring to make the wrong choice or lack the knowledge. Banks pay me 1 to 2 percent interest annually on deposits but charge me 4 to 5 percent on loans. It's a game where I'm losing money in every way. Then, I want to avoid putting my money in the bank. It would be better to use it to purchase that bank's stocks as a substitute but meticulous care is required. To make a choice, you have to conquer your fears. How is this a difference of ability? - Joseph’s “just my thoughts"
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