Chapter 1: My Story
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[2]. Dictionary.com, s.v. “attitude,” accessed September 14, 2012, http://dictionary.reference.com/browse/attitude.
[3]. Susan J. Currya, Louis Grothausa, and Colleen McBridea, “Reasons for Quitting: Intrinsic and Extrinsic Motivation for Smoking Cessation in a Population-Based Sample of Smokers” (Center for Health Studies, Group Health Cooperative of Puget Sound USA, June 1998).
[4]. Ibid.
Chapter 2: If Only I Had More Money
[5]. Hope Gurion, “Living Paycheck to Paycheck,” CNN/CareerBuilder.com, October 8, 2008, http://www.cnn.com/2008/LIVING/worklife/10/08/cb.workers.paycheck/index.html.
[6]. Robert Snell, “How Talented Ex-Ute, Ex-Lion Luther Elliss Went Bankrupt,” Standard-Examiner, January 20, 2010, http://www.standard.net/topics/sports/2010/01/19/how-talented-ex-ute-ex-lion-luther-elliss-went-bankrupt.
[7]. Jack Hough, “Why Lottery Winners Go Bankrupt,” SmartMoney, March 28, 2011, http://www.smartmoney.com/invest/stocks/why-lottery-winners-go-bankrupt-1301002181742/.
[8]. Neil T. Anderson, The Bondage Breaker (Eugene, Oregon: Harvest House, 1993), 194–196.
[9]. Ibid., 197.
Chapter 3: I Deserve a Treat
[10]. Denise K. Schull, “Feelings Matter—Even in Investing Decisions,” Market Mind Games (blog), Psychology Today, March 12, 2012, http://www.psychologytoday.com/blog/market-mind-games/201203/feelings-matter-even-in-investing-decisions.
[11]. Tara Parker-Pope, “This Is Your Brain at the Mall: Why Shopping Makes You Feel So Good,” Health Journal, Wall Street Journal, December 6, 2005, http://online.wsj.com/ad/article/cigna/SB113382650575214543.html.
[12]. Ibid.
[13]. Ibid.
[14]. Ibid.
Chapter 4: It Won’t Happen to Me
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[16]. Ibid.
Chapter 5: I’ll Fake It ’Til I Make It
[17]. Hillary Mayell, “As Consumerism Spreads, Earth Suffers, Study Says,” National Geographic News, January 12, 2004, http://news.nationalgeographic.com/news/2004/01/0111_040112_consumerism.html.
[18]. Sheyna Steiner, “5 Economic Indicators to Watch,” Bankrate.com, accessed September 14, 2012, http://www.bankrate.com/finance/investing/5-economic-indicators-to-watch-1.aspx.
[19]. Candace Webb, “How to Change Consumer Behavior Through Advertising,” Houston Chronicle, accessed September 14, 2012, http://smallbusiness.chron.com/change-consumer-behavior-through-advertising-11281.html.
[20]. Richard McKenzie and Dwight Lee, Microeconomics for MBAs: The Economic Way of Thinking for Managers (New York: Cambridge University Press, 2010), chapter 4.
[21]. Michael Solomon, “Who Got the Better Ring?”, Elle, April 19, 2012, http://www.elle.com/pop-culture/best/who-got-the-better-ring-654804#slide-6.
[22]. Alexander Spradlin, “Fake It ’Til You Make It,” The Empathetic Misanthrope (blog), Psychology Today, September 11, 2011, http://www.psychologytoday.com/blog/the-empathic-misanthrope/201109/fake-it-til-you-make-it.
[23]. Thomas J. Stanley, The Millionaire Mind (Kansas City, MO: Andrews McMeel, 2000), 4.
[24]. Thomas Stanley and William Danko, The Millionaire Next Door: The Surprising Secrets of America’s Wealthy (Atlanta: Longstreet Press, 1996), 9. Number was adjusted for inflation from the $131,000 quoted in the book using the Inflation Calculator at www.westegg.com/inflation. All subsequent adjustments were made using the same Inflation Calculator.
[25]. Stanley, The Millionaire Mind, 9.
[26]. Ibid. The 1996 number was $1.6 million in net worth; adjusted for inflation.
[27]. Stanley and Danko, The Millionaire Next Door, 13.
[28]. Stanley, The Millionaire Mind, 73.
[29]. Stanley and Danko, The Millionaire Next Door, 11.
[30]. Stanley, The Millionaire Mind, 26.
[31]. Ibid.
[32]. Stanley and Danko, The Millionaire Next Door, 31. Figure is adjusted for inflation from the 1996 number listed in the book.
[33]. Stanley, The Millionaire Mind, 26.
[34]. Stanley and Danko, The Millionaire Next Door, 112–113.
[35]. Ibid.
[36]. Ibid.
[37]. Ibid., 9. Number adjusted for inflation from the $320,000 number cited in the book.
[38]. Ibid., 35. Number adjusted for inflation.
[39]. Ibid., 9.
[40]. Renee Riva, Guido’s Gondola, illus. Steve Bjorkman (Colorado Springs: WaterBrook, 2005).
Chapter 6: I Can’t Afford It
[41]. “Homeless Man Leaves Behind Surprise: $4 Million,” NPR’s All Things Considered, July 27, 2009, http://www.npr.org/2009/07/27/111091624/homeless-man-leaves-behind-surprise-4-million and Wikipedia, s.v. “Richard Leroy Walters,” last modified December 21, 2010, http://en.wikipedia.org/wiki/Richard_Leroy_Walters.
[42]. Online Etymology Dictionary, s.v. “miserable,” accessed September 14, 2012, http://www.etymonline.com/index.php?term=miserable.
[43]. Dictionary.com, s.v. “greed,” accessed September 14, 2012, http://dictionary.reference.com/browse/greed.
[44]. James Hall, review of Michelangelo: A Tormented Life by Antonio Forcellino, Observer, October 10, 2009, http://www.guardian.co.uk/books/2009/oct/11/michelangelo-tormented-life-forecellino.
[45]. Wikipedia, s.v. “Michelangelo,” last modified July 14, 2012, http://en.wikipedia.org/wiki/Michelangelo.
[46]. Devin Tooma, “Crazy Dead Men,” The Florentine, March 24, 2011, http://www.theflorentine.net/articles/article-view.asp?issuetocId=6700.
[47]. Bruce Johnston, “Michelangelo Is Branded a ‘Multi-millionaire’ Miser,” Telegraph, November 30, 2002, http://www.telegraph.co.uk/news/worldnews/europe/italy/1414836/Michelangelo-is-branded-a-multi-millionaire-miser.html.
[48]. P. H. Silverstone, “Is Chronic Low Self-Esteem the Cause of Eating Disorders?”, Medical Hypotheses 39 (1992), 311–315.
[49]. Jessie Sholl, “What Is the Difference Between Compulsive Hoarding and Collecting?”, Dirty Secret (blog), Psychology Today, December 17, 2010, http://www.psychologytoday.com/blog/dirty-secret/201012/what-is-the-difference-between-compulsive-hoarding-and-collecting.
[50]. “Life During the Great Depression,” AllAboutHistory.org, accessed September 14, 2012, http://www.allabouthistory.org/life-during-the-great-depression.htm.
[51]. Ibid.
[52]. Elizabeth W. Dunn, Claire E. Ashton-James, Margaret D. Hanson, and Lara B. Aknin, “On the Costs of Self-interested Economic Behavior: How Does Stinginess Get Under the Skin?”, Journal of Health Psychology 15 (2010): 627–633, http://laraaknin.psych.ubc.ca/files/2011/09/Dunn-Ashton-James-Hanson-Aknin-2010.pdf.
[53]. Lara B. Aknin and Elizabeth W. Dunn, “Spending Money on Others Promotes Happiness,” Science 319 (2008): 1687–1688.
Chapter 7: Changing Your Self-Talk
[54]. Association for Psychological Science, “Thoughts That Win,” press release, March 25, 2011, http://www.psychologicalscience.org/index.php/news/releases/thoughts-that-win.html.
[55]. “Positive Thinking: Reduce Stress by Eliminating Negative Self-Talk,” Mayo Clinic, May 28, 2011, http://www.mayoclinic.com/health/positive-thinking/SR00009.
[56]. Wikipedia, s.v. “Cognitive behavioral therapy,” last modified September 11, 2012, http://en.wikipedia.org/wiki/Cognitive_behavioral_therapy.
Chapter 8: Standing Up to Pressure
[57]. Kirsten Weir, “The Power of Self-Control,” Monitor on Psychology 43, no. 1 (January 2012): 36, http://www.apa.org/monitor/2012/01/self-control.aspx.
[58]. Wikipedia, s.v. “David Blaine,” last modified September 12, 2012, http://en.wikipedia.org/wiki/David_blaine.
[59]. Deborah Kotz, “How Willpower Works,” Boston Globe, November 7, 2011, http://www.bostonglobe.com/lifestyle/health-wellness/2011/11/07/how-willpower-works/XlOvEG4FipvZ8vM8VUNBpK/story.html.
[60]. Wikipedia, s.v. “David Blaine.”
[61]. Lexi Petronis, “How to Increase Your Willpower,” Woman’s Day, May 18, 2012, http://shine.yahoo.com/healthy-living/increase-willpower-161400177.html.
[62]. Jane E. Brody, “A Richer Life by Seeing the Glass Half Full,” Well (blog), New York Times, May 21, 2012, http://well.blogs.nytimes.com/2012/05/21/a-richer-life-by-seeing-the-glass-half-full/.
[63]. Tara Parker-Pope, “How to Boost Your Willpower,” Well (blog), New York Times, December 6, 2007, http://well.blogs.nytimes.com/2007/12/06/how-to-boost-your-willpower/.
[64]. Ibid.
[65]. Kelly McGonigal, “The Science of Willpower,” IDEA Fitness Journal 5, no. 6 (June 2008), http://www.ideafit.com/fitness-library/science-willpower-0.
[66]. Ibid.
[67]. M. C. Fiore, C. R. Jaén, T. B. Baker, et al., “Treating Tobacco Use and Dependence: 2008 Update,” Quick Reference Guide for Clinicians (Rockville, MD: U.S. Department of Health and Human Services), April 2009.
[68]. E. V. Gifford, B. S. Kohlenberg, S. C. Hayes, D. O. Antonuccio, M. M. Piasecki, M. L. Rasmussen-Hall, et al., “Acceptance-Based Treatment for Smoking Cessation,” Behavior Therapy 35 (2004), 689–705.
[69]. “Monthly Averages for Minneapolis, MN,” Weather.com, accessed September 14, 2012, http://www.weather.com/weather/wxclimatology/monthly/graph/USMN0503.
[70]. Adapted from an example found at “Better Distress Tolerance Through ACCEPTS,” Dialectical Behavior Therapy of Southern California, April 12, 2011, http://dbttherapy.com/dbt-treatment-distress-tolerance.html.
Chapter 9: Staying in It for the Long Haul
[71]. Adapted from the four items identified as components in academic resilience as stated in A. J. Martin and H. W. Marsh, “Academic Resilience and the Four Cs: Confidence, Control, Composure, and Commitment” (paper presented at NZARE AARE Conference, Auckland, New Zealand, November 2003).
[72]. Debra Ollivier, “Rick Newman on ‘Rebounders’: Turning Setbacks Into Success,” The Blog, Huffington Post, May 10, 2012, http://www.huffingtonpost.com/debra-ollivier/rick-newman-rebounders-turning-setbacks-into-success_b_1504044.html.
[73]. “Thomas A. Edison Quotes,” accessed September 14, 2012, http://www.brainyquote.com/quotes/quotes/t/thomasaed132683.html.
[74]. Wikipedia, s.v. “Thomas Edison,” last modified September 13, 2012, http://en.wikipedia.org/wiki/Thomas_Edison.
[75]. Peter Cohan, “Learning From Brilliant Mistakes,” Forbes, December 29, 2011, http://www.forbes.com/sites/petercohan/2011/12/29/learning-from-brilliant-mistakes/.
[76]. Adapted from Paul J. H. Schoemaker, “Paul J. H. Schoemaker’s ‘Brilliant Mistakes’: Finding Opportunity in Failures,” Knowledge @ Wharton, November 9, 2011, http://knowledge.wharton.upenn.edu/article.cfm?articleid=2869.
[77]. Jim Collins, Good to Great: Why Some Companies Make the Leap . . . and Others Don’t (New York: HarperBusiness, 2001), 33–35.
[78]. Adapted from the steps of self-compassion found at www.self-compassion.org.
[79]. Ollivier, “Rick Newman on ‘Rebounders.’”
[80]. Alana Horowitz and Vivian Giang, “17 People Who Got Fired Before They Became Rich and Famous,” MSN Money Canada, http://money.ca.msn.com/savings-debt/gallery/17-people-who-got-fired-before-they-became-rich-and-famous#image=1, slide 7.
[81]. Ibid., slide 11.
[82]. Ibid., slide 2.
[83]. Wikipedia, s.v. “Fred Astaire,” last modified September 17, 2012, http://en.wikipedia.org/wiki/Fred_Astaire.
[84]. Wikipedia, s.v. “The Beatles’ Decca audition,” last modified May 7, 2012, http://en.wikipedia.org/wiki/The_Beatles%27_Decca_audition.
Chapter 11: Paying Off Debt
[85]. Moty Amar, Dan Ariely, Shahar Ayal, Cynthia Cryder, and Scott Rick, “Winning the Battle but Losing the War: The Psychology of Debt Management,” Journal of Marketing Research, special issue (2011).
[86]. Drazen Prelec and Duncan Simester, “Always Leave Home Without It: A Further Investigation of the Credit-Card Effect on Willingness-to-Pay,” Marketing Letters 12, no. 1 (2001), 11.
[87]. “About 30 Factors Influence Your Credit Score,” Yahoo! Finance, accessed September 17, 2012, http://finance.yahoo.com/education/loan/credit_basics/article/101287/about_30_factors_influence_your_credit_score.
[88]. Maxine Sweet, “Credit Advice: The Effect on Credit Scores of Paying Off and Closing Credit Cards,” Experian, August 5, 2009, http://www.experian.com/ask-experian/20090805-the-effect-on-credit-scores-of-paying-off-and-closing-credit-cards.html.
Chapter 12: Holding Yourself Accountable
[89]. Michael Dansinger, “Why Should I Keep a Food Record?”, Conquering Diabetes (blog), WebMD, March 26, 2012, http://blogs.webmd.com/life-with-diabetes-2/2012/03/why-should-i-keep-a-food-record.html.
[90]. Prelec and Simester, “Always Leave Home Without It,” 11.
[91]. “Get Ready for the ‘Pain of Paying,’” The Daily Beast (blog), Newsweek, August 29, 2008, http://www.thedailybeast.com/newsweek/2008/08/30/get-ready-for-the-pain-of-paying.html.
[92]. Sumit Agarwal, Sujit Chakravorti, and Anna Lunn, “Why Do Banks Reward Their Customers to Use Their Credit Cards?” (paper, Federal Reserve Bank of Chicago, December 20, 2010), 13.
Chapter 13: Helpful Hints for Reducing Expenses
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