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Now let’s talk about habits. According to behavioral science, habits form when actions are repeated in response to cues and rewards. Once a habit is formed, it becomes automatic. That means: You don’t consciously decide to waste money… You’re just following a programmed loop. Cue → craving → action → reward. For example: You feel stressed (cue) You crave relief (craving) You shop online (action) You feel better temporarily (reward) And your brain locks that pattern in. The more you repeat it, th