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Hey, it's Jean Chatsky. Welcome to her money. If you're keeping score, we are at the halfway

point of 2017. That is really, really hard to believe. I don't know if it's just

my age or the stage of life that I'm at, but time seems to go much more quickly than it used to.

And not just for me, I had a conversation with my son who, as many of you know, is in his first job out of college and he said

that his first year of working actually went a lot faster than his previous years of school.

So maybe we all have more fun at work

and that makes the time fly by.

It's also a really good time to check in

on those resolutions, those goals that you set for yourself at the start of the year.

If you're thinking, uh-oh, I don't want to go there, you are not alone. I read somewhere that 80% of all resolutions fail by February.

By February that's incredible and that's because behavior change. It's really hard and when most people

make resolutions they are resolving to change something about the way they act on a day-to-day basis, to quit smoking, to eat better in order to drop a few pounds, to exercise more in order to drop a few pounds, to cut their spending in order

to get rid of credit card debt.

It's all very difficult because we're not wired to do these sorts of things easily or instinctively.

And that's what we're going to talk about today, how we can get back on track, how we can make behavior change for good.

That is not my phrase. It's Catherine Milkman's phrase, Katie Milkman, as she's called, is an associate professor at the

Wharton School of the University of Pennsylvania, my alma mater, not Wharton, just Penn.

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