"Atomic Habits" by James Clear Audiobook Review
Atomic Habits book cover

Money at 30: “Atomic Habits” Audiobook Review

Oftentimes, when I’m looking for a new book to review, I’ll turn to the Amazon/Audible best sellers list to look for finance-related titles. Each time I’ve done this, near the top of the Business & Money is a book called Atomic Habits by James Clear. While I’d resisted this book previously since it didn’t seem to really be that much about personal finance, with the new year upon us, I figured it was a fine time to see what all the fuss was about. So, I downloaded the audiobook and spent my New Year’s weekend pouring through the book’s lessons.

Atomic Habits by James Clear

First, to my surprise, there was a fair amount of personal finance material to be found in the book. This includes some specific budgeting ideas — but mostly some more general mentions of money-related goals that many individuals might have. While I still wouldn’t say that this is a financial book at its core, it is far more relevant than I may have initially anticipated.

While the term “atomic” might lead some to believe that this book will teach them to explode with good habits, the use here refers to the idea of making small changes — like those as tiny as an atom. As Clear points out, while a 1% improvement might not seem like much, this pace puts you on course to be 37 times better in a year. Returning to the financial connection, it’s essentially like compound interest.

That realization itself is pretty powerful, but luckily Clear doesn’t stop there. Instead, he proceeds to go through the four steps of the habit process: cue, craving, response, and reward. In each case, he points out how targeting the steps in the process individually can have a major effect. For example, since a small cue can trigger a new habit, Clear offers some suggestions for making positive habit cues more obvious. On that note, one of the most interesting concepts I learned in the book was creating habit stacks/chains where you insert the start of a new habit you want to create after a habit you already have. I imagine that these types of ideas have been floating in the ether for some time now but they’re new to me — and I found them fascinating.

Like with many audiobooks, Atomic Habits is supplemented by some visual materials that can be found on Clear’s site along with some other bonuses. Personally, I found these PDF extras to be a sufficient replacement for the physical book. Thus, I’d say that those who (like me) consume the book in its audio form are unlikely to miss much versus picking up a paper copy.

If there’s anything negative to say about this book, I’d say that the last couple of chapters were my least favorite. While there were still takeaways to be gained, they didn’t seem to be quite as actionable to me as the preceding chapters. Nevertheless, unlike some books I’ve read that seem to venture off-topic in a bid to fill out the material, I felt as though Clear stayed fairly focused even if those late chapters are a bit less prescriptive in nature.

As for how I’m applying some of the book’s lessons so far, seeing as there were a couple of goals I set for myself this year, I found ways to tie the required steps to some existing habits in my daily routine. Furthermore, I’ve taken to making off the days only on my calendar to catalog my streaks. Admittedly, even with Clear’s tips, it did take some time to figure out exactly how to turn my end goals into a format that would fit the atomic mold. Still, I feel as though what I came up with will prove beneficial.

After reading Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones, I can now see why the book has been so perpetually popular and omnipresent these past few years. Filled with easy-to-understand concepts, examples, and anecdotes, this quick read (or listen, in my case) packs a ton of valuable insights. That said, if you just wanted to sample the book’s ideas and try them on for size, it strikes me that this is the type of book that might translate well to the Blinkist model. But if you want to dive deeper then see how these concepts could help you reach your goals this new year and beyond.

Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. (Note: advertising relationships do not have any influence on editorial content. Advertising compensation allows Fioney to provide quality content for free. All editorial opinions are those of the individual author and/or Fioney.)

Author

Kyle Burbank

Head Writer ~ Fioney
Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

Other Articles by Kyle Burbank

eToro logo

Brokerage Platform eToro Reportedly Files for Initial Public Offering

New reporting indicates that the digital brokerage platform eToro has filed to go public. About the reported filing: According to the Financial Times, eToro has made a confidential filing with the Securities and Exchange Commission seeking an initial public offering in the United States. This IPO would apparently value the company around $5 billion. FT's sources suggest the company could be listed as early as the second quarter of this...
Synchrony and Apply Pay logos along with a hand holding an iPhone with Apple Pay open

Synchrony Latest Bank to Add Pay Later Features to Apple Pay

After teasing new capabilities for credit card customers in October, Synchrony is now officially bringing a "pay later" option to Apple Pay. About the new pay later feature: Synchrony cardholders will now have more options when using Apple Pay via iPhone or iPad to shop online or in-app. In addition to being able to make a regular credit card payment, eligible customers will also have a promotional offer option that...
Capital One logo

CFPB Suing Capital One Over Savings Interest Rate Discrepancy

The Consumer Financial Protection Bureau (CFPB) has announced that it's suing Capital One, accusing the bank of tricking customers with its savings account products. About the suit: In a press release, the CFPB revealed that it was taking action against Capital One, saying that the bank had deprived millions of customers of more than $2 billion in total interest. This accusation stems from Capital One's 360 Savings account, which was...
The "Email" field is empty, you must enter some text to proceed.The text you entered in the "Email" field appears to be invalid, please edit it and try again
Get the Latest News Delivered to Your Inbox
Travelers with two Best Western Credit Cards

Best Western Debuts Two New Rewards Credit Cards

After pausing applications for their previous rewards card, the hotel chain Best Western has unveiled a new pair of rewards credit cards with a new issuer. About the Best Western cards: Best Western is partnering with First Bank & Trust and Mercury Financial to introduce two new co-branded credit cards. First up is the no-annual-fee Best Western Rewards Visa Signature Card. With this card, customers can 4x points on Best...
Marriott Bonvoy card and a woman on vacation

Marriott Bonvoy Bold Card Launches Travel Contest

Chase and Marriott Bonoy have unveiled a special contest while continuing to offer its best-ever welcome bonus. About the welcome bonus and Bold Chat Court Contest: Marriott Bonvoy and Chase have launched a special opportunity called the Bold Chat Court contest. As part of this contest, 10 lucky travelers will be awarded 500,000 Marriott Bonvoy points (for a total of 5 million) as well as $5,000. For this contest, the...
Bilt and All Reward logos

Bilt Adds 2 New Transfer Partners Including First 3:2 Transfer Rate

Bilt is once again expanding its travel transfer rewards program — and is even breaking the mold with one new partner. About the new additions to Bilt: This week, Bilt launched partnerships with two more travel brands: TAP Air Portugal and Accor. As a result, Bilt members will now be able to transfer their points to Miles&Go and ALL Reward, respectively. In total, Bilt now has 18 transfer partners including 13...
Fioney Top 10 Must-Read Personal Finance Articles Septemeber 2024

Top 10 Personal Finance Articles of the Month — September 2024

Welcome to Fioney's look at the top 10 personal finance articles of the month. On the first Friday of each new month, we look back at some of our favorite posts published in the weeks prior and highlight them right here. This includes a mix of sites that have become staples of our lists as well as many first-timers. To start things off this month, we'll look at some articles...

2024 SoFi Checking and Savings Review

Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. Lately it seems as though that theme has been sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind...