Stop and think about some goals you haven’t gotten started on yet. Perhaps you want to exercise more, shop less, put more money into your emergency fund, lose weight, or be more productive at work. Understanding how we form habits is the key to knowing how to change them. And this understanding can change your life. Knowing how to break your bad habits, and how to build good ones, can help you achieve your goals, earn more money, and accomplish more than you ever thought possible.