Bad Habits: The Psychology of Behavioural Debt—and How to Pay It Off

What if the person you think you are is an outdated idea?

In this episode, we explore how habits form—not from logic, but from history. From childhood rules to adult rituals, your behaviours aren’t just choices. They’re echoes.

We look at behavioural debt: how the past continues to extract payments from your present and what you can do about it.

We look expansively at different ways we pick up all these habits and identities, and then use 5 ideas from psychology and philosophy to fix them.

There’s a monk shedding illusions, a writer who redefined his identity, and a cycling team that changed everything with 1% improvements. These aren’t just stories. They’re invitations—to become intentional, to design rituals that serve who you want to be, not who you used to be.

Takeaways:

Reframe your identity as something you craft, not inherit
Use “identity microshifts” to pay off your behavioural debt
Hack your own Fresh Start Effect—even on a random Tuesday
Learn how to become yourself through subtraction instead of adding more things

If you’ve ever felt like your habits were someone else’s or like your current actions no longer serve who you are, this episode will make a lot of sense to you.

The real work isn’t in learning more—it’s in unlearning what no longer fits.

How to Change the World

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