Dr. Heidi Beckman is a Licensed Clinical Psychologist and Certified Educator in Personal Finance. She currently works in the field of health psychology at a large academic medical center. She is passionate about understanding what helps people change so that they can lead lives that are physically, emotionally, and financially healthy. She reads the research literature on motivation, persistence, and impulse control and applies it to everyday problems. Over the past fifteen years, she has delivered numerous presentations on the science of habit change to members of the community, medical patie...