Why smart people make bad money choices

Plus, new ID requirements for flights No Images? Click here   If there's one thing I struggle with, it's self-discipline. It's why splitting my direct deposit between my checking and savings is the only reason I've ever saved any money, despite knowing a lot about saving money. So what is it that ACTUALLY helps people develop better financial habits? We examine that below, along with the new Real ID requirements, personal pep talks, career advice from famous people's moms and more. Janie     Take back your life How can it be that so many of us who have the financial means to live comfortably still end up struggling? Often, it has nothing to do with how much or how little we know about finance: Studies show financial literacy isn't enough to prompt positive changes when we're mired in bad decision-making. Here’s why we sometimes make bad decisions with money, even when we know better — and what behavioral science says it takes for us to change for good. How to ACTUALLY get better with money     Deal with it If you’ve had the pleasure of standing in line at airport security recently, you’ve probably seen big blue signs warning travelers of new identification requirements coming next year. If you haven’t, you may have no idea that your driver’s license could soon become obsolete for air travel. By Oct. 1, 2020, every adult needs to show a Real ID-compliant driver’s license (or another acceptable form of identification, such as a passport) to fly within the United States. But what, exactly, is a Real ID? And how do you get one? We have the answers. What you need to know about Real ID Pro Tip: In one memorable segment of the new Netflix campaign documentary “Knock Down the House,” congressional candidate Alexandria Ocasio-Cortez gives herself the ultimate pep talk before taking on a powerful incumbent in a televised debate. Her calming, affirming speech is the perfect example of how to motivate yourself when you feel doubt at work because it follows the principles of both cognitive behavioral theory and motivation language theory. Watch the clip and find out how to do it for yourself.  Want more practical magic? Didn't save enough for retirement? Here are 7 things you can do Walmart is launching free next-day delivery with no membership fee There's a bill to cap credit card interest rates at 15 percent     .     👋You may have noticed our website is now www.huffpost.com. Don't worry, it'll still be the same HuffPost you know and love, just with a new URL. Make sure to update your bookmarks!   HuffPost is now a part of Verizon Media Group. On May 25, 2018 we introduced a new Oath Privacy Policy which will explain how your data is used and shared. Learn More. No moon dust. No B.S. Just a completely essential daily guide to achieving the good life. Subscribe here. Like what you see? Share it. Can't get enough? You'll also love HuffPost's Entertainment newsletter. ©2019 HuffPost | 770 Broadway, New York, NY 10003 You are receiving this email because you signed up for updates from HuffPost Feedback | Privacy Policy | Unsubscribe    . - - Preferences  |  Unsubscribe