Charles Duhigg

There is a woman named Wendy Wood, who did a study when she was at Duke, and she followed around college students to try to figure out how much of their day was decision-making versus how much was habit. And what she found was that about 45 percent of all the behaviors that someone did in a day was habit.

As homeowners see the value of their homes decline, they become more likely to delay purchases of the big items - like automobiles, electronics and home appliances - that are ballasts of the American economy. When those purchases decline, large manufacturing firms, suddenly short on funds, could begin laying off employees.

I was going to become a youth worker because I do voluntary work with the kids in the little village where I live. I make little films with them and stuff when I'm not working. I thought, I'll pack it in then, and go and do something I love doing, and get a regular job because I've got two kids and a mortgage.