"If you know that you're prone to make emotional decisions, it's first being aware of that and kind of taking stock of that and asking yourself, okay, when is it that I'm making decisions that are really not in my best interest?" she said in an Afford Anything podcast with writer Paula Pant. Once you've built awareness, you should then build new behaviors around typical behaviors, Stanley Fallaw said. She referenced Charles Duhigg's book, "The Power of Habit," for an understanding of building new behaviors around things you don't often give thought to. "The example he gives is the chocolate chip cookies that he's always eating at a certain time of day and all of a sudden he's gained all this weight," she said. "It's replacing some of those behaviors and you can do that with finances as well."