Atomic Habits by James Clear lays out a system for breaking bad habits. I decided to apply what I learned about the lifecycle of habits to personal finance. 

In this episode, you’ll not only learn how to break bad money habits, like engaging in retail therapy, but you’ll also become skilled at creating good habits, like paying all of your bills on time. 

The good news? 

Overcoming bad money habits—and building good habits--is easier than you think.