If you're looking to improve your financial life or your health, there is one move you can make that will pay greater rewards than any other. It's decidedly low-tech and — I feel I should warn you — a little bit tedious. But after 25 years of helping people with their money, I have never found anything quite as eye-opening.
Are you ready for it? Here it is: As you go through the day, write your behavior down. If you're looking to save money, you track your spending. If you're looking to shave pounds off the scale, you record what you're putting in your mouth.
Why? As a human being, you're a little like a self-driving car that's been on autopilot for too many years. According to research from Duke University, about 40 percent of what you do every day isn't a decision you're making, but rather a habit. You go to Starbucks and grab a Grande Vanilla Latte every morning on your way into the office not because you choose to, but because you always do. You've trained yourself to not even think about that roughly $5 (not to mention 250 calorie bomb).