Source Register: Debt And Behavior
Why This MattersRead the earlier reference in its original context, with its historical statements and limits preserved.
Consumer Financial Protection Bureau (n.d.). Highest-interest-first and smallest-balance-first are distinct repayment approaches with tradeoffs.
S05 / Tool 3: Reducing Debt Worksheet
Consumer Financial Protection Bureau (n.d.). Highest-interest-first and smallest-balance-first are distinct repayment approaches with tradeoffs.
Access: Official worksheet text reviewed. Limit: Essential obligations, special terms and legal consequences require separate consideration.
S06 / How Are Habits Formed: Modelling Habit Formation In The Real World
Lally, van Jaarsveld, Potts and Wardle; European Journal of Social Psychology (2010). A longitudinal study modeled substantial variation in automaticity development across daily behaviors.
Access: Publisher abstract reviewed; full study not independently reanalyzed. Limit: Selected behaviors and fitted cases; no universal deadline and no financial-outcome validation.
S07 / Implementation Intentions
Peter M. Gollwitzer and Paschal Sheeran; author overview hosted by the National Cancer Institute (n.d.). If-then planning has a research basis for translating selected goals into action.
Access: Author overview reviewed; its cited 2006 meta-analysis was not independently reanalyzed. Limit: Effects vary with goals and settings; it does not establish improved household wealth.
S08 / Brief Structured Respiration Practices Enhance Mood And Reduce Physiological Arousal
Balban and colleagues; Cell Reports Medicine (2023). A remote one-month randomized study compared brief breathing exercises with mindfulness on mood and physiological outcomes.
Access: Study abstract and linked figure descriptions reviewed. DOI: 10.1016/j.xcrm.2022.100895. Limit: Specific interventions and outcomes; no evidence here of financial returns or this package working.
External sources checked October 29, 2026. Summaries are paraphrases. Public availability and a source’s authority do not constitute endorsement of this build.