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"Instead of stressing, think of a tight money spot as the equivalent of a heart attack that makes you quit smoking, and start eating better and exercising," he says. "It usually takes something that dramatic to make us try new behaviors."

To expand on his analogy, I think that when you are awake at night worried over money you are in the "sitting in the kitchen, left arm tingling, jaw aching, seriously thinking about calling 911" phase of the heart attack. Not ever having had a heart attack, I'd imagine if you're thinking about anything, it's regret over having smoked, drank and eaten all those boxes of pin-wheels over the years...

His idea seems more applicable to the patient's outlook should they survive the heart attack ;-)
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