Several years ago I developed a full-blown bad habit with online shopping. I can say that now because I can see how besides the obvious financial consequences, it made me feel ashamed, it wasted time, and it contradicted my personal value of frugality. And I share this personal experience because I want you to know that whatever your "bad habit" is, you are not alone.

Many of us were taught that sheer grit and self-determination can help us overcome these bad habits, but I disagree. When we know better we can do better, and what I want you to know after this episode is WHY you have these bad habits, so that you can work on them in a different, and more effective, way.

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