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What Is Mental Toughness? The 4 C’s and How to Build Them When Nothing’s Working

November 1, 2026 MMN Editor Filed Under: Addicted2Success, SUCCESS

What is mental toughness? It’s your ability to stay steady, keep going and perform close to your best when pressure, setbacks and uncertainty hit. Psychologist Peter Clough’s widely used model breaks it into four C’s: Control (managing your emotions and your sense of influence), Commitment (sticking to your goals), Challenge (seeing setbacks as chances to grow) and Confidence (believing in your ability). The good news is that all four can be trained.
I’ve spent more than a decade building Addicted2Success and interviewing entrepreneurs, athletes and authors on the podcast, and the pattern is hard to miss. The people who make it aren’t the ones who never get knocked down. They’re the ones who get back up faster, with less drama, and go straight back to work. That’s what this article is about: what mental toughness really is, and what I’d do to build it if I were starting from scratch tomorrow.

If you want the science before the strategy, Dr. Joe Risser’s TEDx talk is a great eight minutes. He starts with a world-record plank and explains why the effort it takes to hold on may change your brain chemistry, not just your attitude.

What Mental Toughness Actually Means
Clough and his colleagues define mental toughness as “the capacity for an individual to deal effectively with stressors, pressures and challenge and perform to the best of their abilities, irrespective of the circumstances in which they find themselves.” In plain English, it’s how you respond when things get hard, not how you feel when things are easy.
Clough has described the 4 C’s model as the most widely used model for defining and measuring mental toughness, and he makes a point most people miss. Mental toughness isn’t about battening down the hatches until the storm passes. It’s about feeling capable of seeking out demanding situations and doing well in them. That’s a very different picture from the tough guy who never shows emotion.
Here’s how I explain it to founders: mental toughness isn’t the absence of fear, doubt or frustration. It’s the gap between feeling those things and letting them make your decisions. The tougher you are, the smaller that gap gets.
The 4 C’s of Mental Toughness, Explained
Every one of the four C’s shows up in business, sport and life. Here’s what each one means and what it looks like when you’re building something that isn’t working yet.

The C
What it means
What it looks like for a builder

Control
Believing you can influence your life and keeping your emotions in check
A launch flops and you still run the post-mortem the next morning instead of spiraling for a week

Commitment
Setting goals and sticking to them, even under tough deadlines
You keep shipping the weekly newsletter when it has 40 subscribers

Challenge
Seeing problems and change as opportunities rather than threats
A competitor copies your product and you treat it as proof the market is real

Confidence
Believing in your abilities and holding your ground with others
You quote your real price on a sales call without apologizing for it

Control: Run the Ten-Minute Reset
Control has two sides in Clough’s research: emotional control and life control. Emotional control is keeping your anxiety from running the show. Life control is believing your actions actually matter. When either one breaks, people start saying things like “nothing I do makes a difference,” and that belief quietly kills more businesses than any competitor.
What I’d do: when something goes wrong, give yourself ten minutes to feel it. Be angry, be disappointed, vent to a notebook. When the ten minutes are up, write down one thing you can control in the next 24 hours and do it. You’re not pretending it doesn’t hurt. You’re proving to yourself that you still have a hand on the wheel.
Commitment: Decide Before the Storm
Commitment is about goal orientation and follow-through. The mistake I see most often is that people decide whether to keep going in the middle of the hardest moment, when their judgment is at its worst. That’s like deciding whether to finish a marathon at mile 20.
What I’d do: make the big decisions in advance. Before you start a new project, write down how long you’ll give it and what result would make you change course. Then, when the inevitable bad week arrives, you’re not renegotiating with yourself. You already made the call when you were thinking clearly.
Challenge: Collect Rejection Reps
People who score high on challenge actively look for hard situations because they see them as a way to grow. People who score low avoid them out of fear of failure. You can move yourself along that scale, and the fastest way I know is deliberate exposure.
What I’d do: set a weekly quota of things that might go wrong. Pitch one podcast you think will say no. Ask one customer for brutally honest feedback. Post the thing you’re nervous about. Every rep teaches your nervous system that rejection is survivable, and after a few months it stops feeling like a threat and starts feeling like data.
Confidence: Build an Evidence File
Clough’s work splits confidence into confidence in your abilities and interpersonal confidence. Both are built the same way: through evidence. Hype doesn’t last. Proof does.
What I’d do: keep a running document of every win, every problem you solved and every hard thing you did anyway. On the days your inner critic gets loud, read it. You’re not trying to talk yourself into believing something. You’re reminding yourself of facts you’ve already earned.
What About the 7 C’s of Mental Toughness?
You’ll see “7 C’s” lists online, usually adding traits like composure, consistency or courage. They can be useful as reminders, but there isn’t one agreed scientific list. The 4 C’s model is the one with research behind it, and Clough’s team has since expanded it with eight subscales: emotional control, life control, goal orientation, achievement orientation, risk orientation, learning orientation, confidence in abilities and interpersonal confidence. If you want to go deeper, start there rather than chasing a longer acronym.
Why Mental Toughness Is Partly Physical
This is the part I find fascinating. Back in 2005, Lee Crust and Peter Clough tested 41 sports students and found that higher mental toughness scores were linked to holding a weight for longer. Risser’s TEDx talk pushes the idea further, pointing to a brain protein called BDNF that rises with exercise, especially exercise that demands focus.
I’m not saying a plank will fix your business. But I’ve noticed that founders who train their bodies tend to recover from bad days faster, and the research gives us a reason. When you deliberately stay in discomfort for 60 seconds, you’re practicing the exact skill you need when a deal falls through: staying calm while your brain tells you to quit.
How to Toughen Up Emotionally Without Shutting Down
“Toughen up” gets misunderstood. It doesn’t mean stop feeling things. People who bottle everything up usually aren’t tough. They’re just quiet until they snap. Emotional toughness is about feeling the hit fully and still choosing your next move.
Here’s the simple checklist I’d use:

Name it. Say exactly what you feel: “I’m embarrassed that launch flopped.” Naming an emotion takes some of the heat out of it.
Separate the event from the story. The event is “three investors said no.” The story is “I’m not cut out for this.” Only one of those is a fact.
Shrink the time frame. Don’t ask how you’ll survive the year. Ask what you need to do in the next hour.
Move your body. A walk, a set of push-ups or a plank. Physical effort changes your state faster than thinking does.
Talk to one person who’s been there. Not everyone. One person who’s built something and knows the terrain.
Do one small, hard thing. Send the email, make the call, ship the fix. Action is the antidote to rumination.

If what you’re carrying is heavier than a bad week, such as grief, trauma or anxiety that won’t lift, please talk to a qualified professional. Mental toughness is a performance skill, not a replacement for real support.
How to Spot a Mentally Tough Person
You can’t always see mental toughness from the outside, but you can see its fingerprints. Mentally tough people tend to recover from setbacks quickly and get back to the work. They take responsibility without beating themselves up. They keep their word to themselves on boring days. They ask for feedback instead of avoiding it. And they don’t need everything to go their way to stay steady. If you look at what David Goggins says about mental toughness, almost all of it comes back to one idea: you get stronger by choosing the hard thing on purpose.
A 30-Day Mental Toughness Plan for Builders
If I were coaching someone through this, I’d keep it simple and stack one C per week:

Week 1 (Control): Use the Ten-Minute Reset every time something goes wrong. Track how often you needed it.
Week 2 (Commitment): Write your “decide before the storm” rules for your biggest project, including how long you’ll give it.
Week 3 (Challenge): Collect five rejection reps. Write down what you learned from each one.
Week 4 (Confidence): Start your evidence file and add at least one entry every day.
Every day: Hold one physical challenge, such as a plank or a cold shower, a few seconds longer than feels comfortable.

This builds on the same ideas I’ve written about in the past, like developing warrior-like mental toughness, but with a framework you can actually measure. After 30 days, you won’t be a different person. You’ll just be someone who gets back up a little faster. Do that for a year and the gap between you and everyone else becomes enormous.
Mental toughness isn’t something you’re born with or without. It’s something you practice, one hard moment at a time. The next time things aren’t working, don’t ask whether you’re tough enough. Ask which of the four C’s you need to train right now, and go train it.
Frequently Asked Questions
What are the 4 C’s of mental toughness?
The 4 C’s, from Peter Clough’s model, are Control (managing emotions and believing you influence outcomes), Commitment (sticking to goals), Challenge (seeing setbacks as opportunities) and Confidence (belief in your abilities and in yourself around others).
What are the 7 C’s of mental toughness?
There’s no single agreed 7 C’s list. Popular versions add traits like composure, consistency or courage to Clough’s 4 C’s. The research-backed model is the 4 C’s, which Clough’s team expanded into eight measurable subscales.
How can I toughen up emotionally?
Name what you feel, separate the facts from the story you’re telling yourself, shrink your focus to the next hour, move your body, talk to someone who’s been there, then do one small, hard action. Toughness means feeling it and still acting.
Is mental toughness the same as resilience?
Not quite. Resilience is mostly about bouncing back from adversity. Mental toughness includes that, but adds actively seeking out challenges and performing well under pressure. Clough’s research links resilience mainly to the Control and Commitment components.
Can mental toughness be learned?
Yes. Each of the 4 C’s can be trained through deliberate habits such as pre-deciding commitments, practicing rejection, logging evidence of your wins and doing physical challenges that teach you to stay calm in discomfort.

The post What Is Mental Toughness? The 4 C’s and How to Build Them When Nothing’s Working appeared first on Addicted 2 Success.

From Bangladesh Bank To Binance: The North Korean Cybercrime Wave

November 1, 2026 MMN Editor Filed Under: Forbes, SUCCESS

North Korean hackers stole $6.3 billion from Binance in the largest crypto theft ever. Learn how North Korea’s state-sponsored cybercriminals target crypto exchanges

Lakers’ Jeanie Buss: Siblings Attempted ‘False-Flag Operation”

November 1, 2026 MMN Editor Filed Under: Forbes, SUCCESS

Los Angeles Lakers governor Jeanie Buss accused her five siblings of conspiring against her into and after the family’s attempts to sell its shares of the franchise

Hard Work Beats Talent (But Only If You Work on the Right Things)

November 1, 2026 MMN Editor Filed Under: Addicted2Success, SUCCESS

Does hard work beat talent? Yes, most of the time, but only when talent doesn’t work hard and only when your hard work is aimed at the right things. Research on expertise shows that focused, deliberate practice explains a big share of performance in fields like music, sport and games, while grit and consistency predict who sticks around long enough to win. Talent decides where you start. Hard work decides where you finish.
I’ve believed that hard work beats talent for as long as I’ve been building Addicted2Success, and nothing I’ve seen since has changed my mind. I’ve interviewed hundreds of entrepreneurs, athletes and authors, and very few of them describe themselves as the most gifted person in the room. What they describe is the unglamorous stuff: early starts, ugly first drafts, rejection, and coming back the next day anyway. But I’ve also learned that “just work harder” is incomplete advice, and it’s burned out a lot of good people. So let’s talk about what hard work really means, when it wins and when it doesn’t.

Few athletes embodied this idea like Kobe Bryant. In this short clip from my channel, Kobe shares what it takes to become great, and it’s all about the work.

Where “Hard Work Beats Talent” Comes From
The full line is “Hard work beats talent when talent fails to work hard.” It’s usually credited to Tim Notke, a high school basketball coach, and it became famous because Kevin Durant kept repeating it on his way to becoming one of the best scorers in NBA history. That detail matters. Durant was not untalented. He was nearly seven feet tall with a shooter’s touch. The quote stuck because he refused to rely on that.
Read the full sentence again and you’ll notice the condition hidden inside it. Hard work beats talent when talent fails to work hard. When talented people also work hard, they’re very hard to beat. So the real lesson isn’t that talent doesn’t matter. It’s that talent is a head start, not a finish line, and most talented people waste it.
What the Research Actually Says
The famous study here is Anders Ericsson’s 1993 research on violinists at a Berlin music academy. The best students had accumulated far more hours of deliberate practice by age 20 than the good ones, and the good ones more than those training to be teachers. Ericsson spent the rest of his career arguing, as he told NPR, that “talent” is often a story we tell ourselves to explain away failure.
Later research added nuance. A 2014 meta-analysis by Brooke Macnamara, David Hambrick and Frederick Oswald found that deliberate practice explained about 26% of the differences in performance in games, 21% in music and 18% in sports, but far less in education and professional work. In other words, practice matters a lot, but it isn’t the only thing.
Then there’s grit. Angela Duckworth and her colleagues found that perseverance and passion for long-term goals predicted success in settings like West Point and the National Spelling Bee, often better than measures of raw ability. That’s the piece I think matters most for entrepreneurs. In business, the scoreboard runs for years, not minutes, and the people who stay in the game long enough get chances the quitters never see.
Why Hard Work Beats Talent in Business
In my experience, business is the arena where hard work has the biggest advantage, for three reasons.
First, most talented people quit early. When things come easily, the first real wall feels like a sign you’re in the wrong place. People who are used to grinding treat that same wall as Tuesday.
Second, compounding rewards consistency over brilliance. A good blog post every week for five years beats a brilliant one every six months. A sales call every day beats a perfect pitch once a quarter. Business rewards volume plus improvement, and that’s a work game.
Third, nobody can see your talent, but everyone can see your output. Customers don’t buy potential. Investors don’t fund it for long. They respond to what you’ve shipped, how often you show up and how you handle problems. Hard work shows up in all three.
Hard Work vs. Smart Work: The Table I’d Use
Here’s where the “just grind” crowd gets it wrong. Hours alone don’t beat talent. Directed hours do. This is the difference I look for:

Busy work
Hard work that beats talent

Lots of hours, no clear target
Specific skill or result you’re improving each week

Repeating what’s comfortable
Working at the edge of your ability, where mistakes happen

No feedback until it’s too late
Fast feedback from customers, coaches, data or peers

Bursts of intensity, then burnout
A pace you can sustain for years

Measured by how tired you feel
Measured by what you shipped and what you learned

If your hard work lives in the left column, a talented person who works half as much on the right things will pass you. If it lives in the right column, you’ll pass almost everyone.
How to Outwork Talent Without Burning Out
If I were starting over today, knowing what I know now, this is exactly how I’d apply the idea:

Pick one skill that moves the needle. Writing, selling, coding, raising money. Choose the one that would change your results most if you were twice as good at it.
Put it on the calendar first. Give it your best hours, before email and meetings. Talented people often work on whatever feels urgent. You’ll work on what matters.
Get feedback every week. Show your work to someone better than you, or look at the numbers. Practice without feedback is just repetition.
Track output, not hours. Count calls made, pages written, features shipped, experiments run. Hours are an input. Output is the proof.
Protect your recovery. Sleep, training and time off aren’t the opposite of hard work. They’re what let you keep doing it. Burnout is the fastest way to lose to talent.
Play the long game on purpose. Decide you’ll do this for years, not weeks. Most of your competition won’t.

When Talent Still Matters
I want to be honest here, because pretending talent doesn’t exist helps nobody. If you’re five foot six, you probably won’t play center in the NBA no matter how hard you train. Some fields have physical or cognitive ceilings, and the research reflects that.
But in entrepreneurship, those ceilings are much lower than people think. Building a business is a bundle of learnable skills: selling, writing, managing money, leading people, solving problems. You don’t need to be gifted at all of them. You need to be willing to get competent at the ones that matter and keep going while others fade out. That’s why I tell people to stop asking “Am I talented enough?” and start asking “Am I willing to do the work for long enough?”
The best version of all this is when you find the area where your natural strengths and your willingness to work overlap. That’s where people become unstoppable. Kobe Bryant’s work ethic is legendary because he had both, and he still trained like he had neither.
The Quiet Truth About Hard Work
Here’s what nobody tells you: hard work is mostly boring. It’s not the highlight reel or the motivational speech. It’s the Tuesday afternoon when you rewrite the sales page for the fifth time. It’s the cold email you send when the last ten got ignored. It’s showing up when nobody’s watching and nobody’s clapping.
That’s exactly why it works. Most people won’t do the boring part for long, which means the people who do face far less competition than they expect. If you need a push on the days it feels pointless, keep a few hard work quotes somewhere you’ll see them. I collected my favorites in our hard work quotes hub for exactly that reason.
Talent is a gift you were handed. Hard work is a decision you make every single day. One of those you control completely, and I know which one I’d bet my future on.
Frequently Asked Questions
Does hard work really beat talent?
Usually, yes, when talented people don’t work hard. Research shows deliberate practice and grit strongly predict performance and persistence. When talent and hard work meet, that combination wins, but most talented people never fully apply themselves.
Who said “hard work beats talent when talent fails to work hard”?
The quote is usually credited to Tim Notke, a high school basketball coach. NBA star Kevin Durant made it famous by repeating it throughout his career as a reminder not to rely on natural ability alone.
Is talent or hard work more important for success?
Hard work matters more over time. Talent sets your starting point, but practice, consistency and persistence decide how far you go. In business especially, most skills are learnable and long-term effort compounds.
What’s the difference between hard work and deliberate practice?
Hard work can just mean long hours. Deliberate practice means focused effort on a specific skill, just beyond your current ability, with fast feedback. It’s the kind of hard work that actually makes you better.
How can I outwork more talented people without burning out?
Focus on one high-impact skill, schedule it during your best hours, get weekly feedback, track output instead of hours and protect sleep and recovery. Sustainable effort over years beats intense bursts that end in burnout.

The post Hard Work Beats Talent (But Only If You Work on the Right Things) appeared first on Addicted 2 Success.

How to Build Discipline When Motivation Runs Out

November 1, 2026 MMN Editor Filed Under: Addicted2Success, SUCCESS

If you want to know how to build discipline that lasts, stop trying to feel motivated and start keeping small promises to yourself on a schedule, especially on the days you don’t feel like it. Discipline is built through a low daily minimum, an environment that removes temptation before you need willpower, and a fast restart rule for the day you slip. Motivation gets you started; those three things keep you going after it runs out.
I’ve seen this pattern for years, building Addicted2Success and talking with entrepreneurs on the podcast. The people who look the most disciplined from the outside are rarely the ones with the most willpower. They’re the ones who decided in advance what they’d do on a bad day, made it small enough to do anyway, and got back on track the morning after they fell off. That’s the part most advice skips, and it’s the part I want to focus on here.

Before we go further, Ed Mylett’s masterclass on self-discipline is worth your time. He walks through auditing what steals your discipline, scheduling the things that move the needle, and keeping tiny daily promises until they turn automatic.

Discipline vs. Motivation: Why One Runs Out and the Other Doesn’t
Motivation is a feeling. It shows up when a goal is new, when someone inspiring just spoke, or when you’re scared enough to move. Then it leaves, usually right around the time the work gets boring. Discipline is a decision you’ve already made, so it doesn’t need the feeling to show up first.
Here’s the simplest way I can put the difference:

Motivation
Discipline

What it is
A feeling that comes and goes
A promise you keep regardless of the feeling

When it shows up
At the start, after a win, under pressure
On ordinary Tuesdays and bad weeks

What it depends on
Mood, energy, inspiration
Plans, environment, routine

What happens after a slip
It often disappears
You restart the next day by default

Best use
Lighting the fire
Keeping the fire going

You need both. But if you build your work around motivation, you’re building on the one thing you can’t control. “Motivation decides when you start. Discipline decides whether you’re still there in month six.”
Why Founders Run Out of Discipline First
Picture a founder three months after leaving a job. Nobody sets her hours. Nobody checks whether the sales calls got made. Her inbox, her phone, and a dozen half-finished ideas are all competing for the same morning. She isn’t lazy. She has simply lost every outside structure that used to make discipline easy, and she’s trying to replace all of it with willpower.
That’s a losing trade, and the research backs it up. In an experience-sampling study of everyday temptations, Wilhelm Hofmann, Roy Baumeister and colleagues found that people high in self-control reported weaker desires and less conflict in the moment. The authors’ read was that these people weren’t white-knuckling their way through more temptations. They were setting up their lives so they ran into fewer of them.
A 2015 paper by Brian Galla and Angela Duckworth points the same way. Across six studies with more than 2,200 participants, they found that beneficial habits helped explain why self-controlled people get better outcomes. Routines like regular exercise, sleep and study took effort out of the equation.
It’s also worth retiring the idea that willpower is a fuel tank that drains through the day. A preregistered replication across 23 labs and 2,141 participants found an ego-depletion effect close to zero. Some of the most popular self-discipline advice still leans on that old model. I’d rather you stop worrying about running out of willpower and start designing a day that barely needs it.
How to Build Discipline in 6 Steps
There are plenty of good strategies to build self discipline once and for all, but almost none of them tell you what to do on the Tuesday after you’ve blown it. These six steps are built for that Tuesday.
1. Set a floor and a ceiling
Every discipline you’re building needs two versions: the ideal day and the floor. The ceiling might be a 60-minute workout, two hours of deep work on the product, or ten outreach messages. The floor is the version you can do sick, tired or traveling: ten push-ups, one focused 25-minute block, two messages. On a great day, aim for the ceiling. On a bad day, hit the floor and call it a win, because it is. The floor is what keeps your identity intact when everything else falls apart.
2. Make your promises small enough to keep
Ed Mylett talks about micro-promises, like making your bed or drinking water when you wake up, and I think he’s right about why they matter. Every promise you keep to yourself is evidence. Every one you break is evidence too. If your daily plan has eleven commitments and you keep four, you’re training yourself to believe your own word is negotiable. Cut the list until you can keep all of it, then add one thing at a time.
3. Write if-then plans for your weak spots
You already know where you slip. Maybe it’s the first phone check of the morning, the 3 p.m. slump, or the night you get home late. Psychologists call the fix an implementation intention, and it’s just a sentence: “If it’s 9 a.m. and I open my laptop, then I open the sales doc before email.” A 2024 meta-analysis of 642 tests by Paschal Sheeran, Peter Gollwitzer and colleagues found these plans reliably improve follow-through, and they work best in a true if-then format that you rehearse. Write three of them for your three worst moments.
4. Design your space so you need less willpower
This is the Hofmann lesson in practice. Put the phone in another room during your first work block. Log out of the app that eats your evenings. Lay out your gym clothes the night before. Keep the one document you need to work on open and everything else closed. Every bit of friction you add to the wrong thing, and remove from the right thing, is discipline you don’t have to generate from scratch.
5. Schedule your distractions instead of banning them
I like that Mylett doesn’t pretend he’s given up Netflix or sports. He lists his discipline stealers and schedules them into non-productive time. Total bans tend to break spectacularly. A scheduled hour of whatever you love, after the needle-moving work is done, is a deal most people can actually keep.
6. Track promises kept, not hours worked
Hours are easy to fake and hard to feel good about. Instead, keep a simple daily check: did I hit my floor on the one or two disciplines that matter right now? A paper calendar with an X works fine. When you can see a string of kept promises, you start protecting it. When you can’t, you start bargaining.
How to Restart After You Slip
This is where I see most people lose the plot. They miss two days, decide they’re “not a disciplined person,” and quit the whole thing. But the evidence is far kinder than your inner critic. In Phillippa Lally’s well-known habit study at University College London, a single missed day had little impact on the habit. What did add up was a pattern of repeated misses over time, which lowered how automatic the habit ultimately became.
One slip doesn’t break a habit. Treating the slip as a verdict does. Here’s the restart checklist I’d use the morning after:

Hit the floor version today, not the ceiling. No making up for lost time.
Name the trigger in one sentence: what happened right before you slipped?
Write one new if-then plan for that exact trigger.
Remove one piece of friction you noticed, or add one to the distraction.
Follow one rule from here: never miss twice in a row.

That’s it. No guilt spiral, no new 30-day challenge, no Monday reset. The fastest way back to discipline is the smallest possible win today.
How Long It Takes to Build Discipline
Longer than the 21 days you’ve heard, and with a lot more variation. A 2024 systematic review and meta-analysis found median habit formation times of around 59 to 66 days in the studies that measured it, with individual times ranging from 4 days to 335. Simple behaviors lock in faster than complex ones.
So give yourself a real runway. Commit to one discipline for the next two to three months, protect the floor, and judge yourself by whether you came back after the bad days, not whether you had any. If you need a jolt along the way, a few discipline quotes can help, but a quote is a spark, not a system.
Here’s what I’d leave you with: discipline isn’t a personality trait you were born with or without. It’s a reputation you build with yourself, one kept promise at a time. Start with a promise so small you can’t talk yourself out of it, and keep it today.
Frequently Asked Questions
How do you build discipline when you have no motivation?
Lower the bar instead of waiting for the feeling. Set a minimum version of the task you can do on your worst day, attach it to a fixed time or cue, and remove distractions beforehand. Action usually creates motivation, not the other way around.
What is the difference between discipline and motivation?
Motivation is a feeling that rises and falls with mood and energy. Discipline is a decision you’ve already made, backed by routines and environment, so you follow through whether you feel like it or not.
How long does it take to build discipline?
Research on habit formation suggests about two months for many habits, with medians around 59 to 66 days, though it ranged from 4 to 335 days. Simple, consistent behaviors become automatic faster than complex ones.
What should I do after I break my discipline streak?
Restart the next day with the smallest version of the habit. Identify what triggered the slip, write an if-then plan for it, and follow one rule: never miss twice in a row. A single missed day doesn’t erase a habit.
Is self-discipline something you are born with?
No. Research suggests people who seem highly disciplined rely more on habits and on avoiding temptation than on raw willpower. Discipline is a skill you build through small kept promises, planning and environment design.

The post How to Build Discipline When Motivation Runs Out appeared first on Addicted 2 Success.

How Medicare Premiums Can Shrink Your Social Security Check

November 1, 2026 MMN Editor Filed Under: Money.com, SUCCESS

Social Security checks will go up by 3.6% in 2027 due to the cost-of-living adjustment (COLA). But keep in mind that Medicare premiums eat away at your checks, too.
While your check can’t be lowered when premiums increase under the hold harmless rule, there is an exception for high earners. Here’s what you need to know.

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How the deduction works
Part B premiums come straight out of your Social Security check, and the 2026 standard premium was $202.90 per month.
While there is a rule that protects most people from a decrease in their Social Security benefits due to Medicare premiums, the premium hike can still catch people by surprise. If you are not collecting Social Security yet, Medicare will send you a quarterly bill that you must pay directly online or by mail.
The 2027 projection math
Thanks to COLA, the average benefit is projected to rise about $75, from $2,095 to $2,170, next year. If Part B rises to the projected $209.50, then an extra $6.60 of your benefits will go toward Medicare. It’s a sizable gap that is intended to leave retirees ahead. However, the COLA boost is based on inflation, so it’s still smart to monitor if your checks keep up with rising costs.
The gap becomes more pronounced for people with higher Social Security benefits. The standard Medicare Part B premium is the same for most beneficiaries, but higher-income beneficiaries pay additional amounts based on their income. For instance, someone who receives $4,000 per month in Social Security will see their benefit go up by $144 per month, while Medicare Part B still only goes up by $6.60 per month.
The hold-harmless rule
The hold-harmless rule prevents eligible beneficiaries’ Medicare Part B premium increases from rising higher than the dollar amount of their annual Social Security COLA. If their benefits go up by $50, Medicare Part B premiums can’t go up by more than $50. That keeps most people safe from rising Medicare costs reducing their government checks.
But people who are paying higher premiums because of their high income are often exceptions to the rule. New enrollees also aren’t typically protected in their first year.
Part D and Advantage plans
While Part B has the larger premium, you can also see Part D and Medicare Advantage premiums deducted from your checks. You can also opt to pay your plan provider directly since Part D premiums are not automatically withheld from your Social Security check by default.
You must also request Medicare Advantage premium deductions from your Social Security check since they do not happen automatically. Otherwise, you must pay the Medicare Advantage bills when they arrive.
Part D premiums scale up like Medicare Part B premiums for high earners, but they cap out at an additional $91 per month for the highest earnings threshold.
Check your Social Security benefits letter in December. That letter will contain the exact net amount of your monthly benefits after accounting for Medicare premiums. It gives you a complete snapshot of your cash flow. Tallying up your expenses leading up to that letter can help you decide what adjustments should be made to your budget if necessary.

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Macy’s is selling a $300 12-piece ceramic cookware set for 58% off

November 1, 2026 MMN Editor Filed Under: SUCCESS, The Street

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.

Why we love this deal

Before you start cooking, you need a sturdy set of pots and pans, and while a lot of these multi-piece sets can run pretty steep, they are worth the money in the end — especially when they go on sale. The GreenPan Dover Cookware Set, which includes pots, pans, and even a few utensils, runs for $300 typically, but during the Macy’s annual Friends and Family sale, you can get it for more than half off.

Right now, the 12-piece ceramic set is 58% off, saving you $174. Choose from four sleek colors and get the entire set for just $126 during the last days of this annual sale. 

GreenPan Dover 12-Piece Cookware Set, $126 (was $300) at Macy’s

Courtesy of Macy’s

Shop at Macy’s

Why do shoppers love it?

If you only had this set on hand you’d be more than able to whip up a meal. The full 12-piece set includes a 1.17-quart saucepan with a lid, a 2.24-quart saucepan with a lid, a 5-quart stockpot with a lid, an 8-inch frying pan, a 10-inch frying pan, and a 2.78-quart sauté pan with a lid — all made with a ceramic-coated aluminum base and stainless steel handles. The aluminum has excellent heat retention, heating up quickly and cooking foods evenly with little risk of hot spots that end up burning parts of your food. The ceramic glaze gives the pots and pans a nice glossy finish and makes them nonstick, so you don’t spend time during cleanup trying to pry burnt pieces of food off the sides, and GreenPan has a special Thermolon ceramic coating infused with diamonds that provides faster heating, more durability on a day-to-day basis, and makes them easier to clean. 

The lids are made with tempered glass, which allows you to see how your food is cooking without removing them and releasing heat, and they are specially designed to withstand high heat, while the stainless steel handles have an ergonomic design that’s comfortable and allows you to navigate with a hot pan seamlessly. Plus, you get two silicone cooking utensils — a solid turner and a slotted spoon.

Although all 12 items in this set are dishwasher safe, only the pots, pans, and lids are oven safe up to 350 degrees. 

Related: Macy’s is selling a $550 10-piece stainless steel cookware set for 54% off

Details to know

Material: Aluminum with a ceramic coating, tempered glass, silicone, and stainless steel. 

Includes: The set includes a 1.17-quart saucepan with a lid, a 2.24-quart saucepan with a lid, a 5-quart stockpot with a lid, an 8-inch frying pan, a 10-inch frying pan, a 2.78-quart saute pan with a lid, a solid turner, and a slotted spoon.

Colors: Four.

Care: Dishwasher safe. 

Warranty: 2-year limited lifetime. 

“Best set of cookware that I have used in years,” one shopper said. It’s durable and cooks remarkably well, plus it’s well-designed and really nice appearance-wise. They hold up very well with lots of use, and they don’t stain or cause food to stick. “Great price and just enough pieces without overwhelming your cabinets.”

Shop more deals 

Anolon EverLast Ceramic 11-Piece Cookware, $330 (was $717) at Macy’s

Le Creuset Enameled Cast Iron 6.5-Quart Deep Round Dutch Oven, $290 (was $460) at Macy’s

T-Fal Initiatives Aluminum 18-Piece Cookware Set, $115 (was $460) at Macy’s

With a sale like this, you have the perfect excuse to throw out your dull and drab cookware and replace it with the GreenPan Dover 12-Piece Cookware Set. 

Fidelity highlights a strategy to eliminate capital gains tax

November 1, 2026 MMN Editor Filed Under: SUCCESS, The Street

Selling a winning stock after a decade of patiently holding it can mean handing the federal government up to 23.8% of the profit. That rate combines the top 20% long-term capital gains tax bracket with the 3.8% Medicare surtax, according to Fidelity Charitable.

Investors who want to support charitable causes have another option that could help them avoid the tax bill.

Fidelity’s year-end tax-planning guide highlights a strategy of donating appreciated stocks directly to qualified charities rather than selling them first.

This allows donors to avoid capital gains taxes while charities receive the full market value of the shares.

Also Read: Vanguard, Fidelity name the smarter alternative to selling stock

How Fidelity’s strategy delivers a double tax benefit

The approach yields two tax advantages simultaneously, and both Fidelity Charitable and Kiplinger confirm its effectiveness for long-term holders. 

The donor avoids paying capital gains tax on the stock’s increase in value and, if itemizing his or her deductions, will qualify for a charitable tax deduction based on the shares’ full fair market value when donated, according to Craig Wear, founder and CEO of Q3 Advisor.

Wear explained that the savings grow sharply as the embedded gain increases. 

A $100,000 position with an $80,000 gain would incur $19,040 in federal tax at the combined 23.8% rate, so the charity would receive only $80,960 from a sale of the stock rather than the full amount from a direct transfer of ownership.

Donald Greene, National Donor-Advised Fund Executive at Bank of America Private Bank, said investors who donate their most-appreciated holdings directly to charity, rather than selling first, capture a benefit many overlook during year-end planning.

<strong>Charitable gain harvesting is a valuable tool that allows you to maximize your resources, so that you can fully realize your charitable vision and legacy,</strong>

The strategy goes beyond individual stocks to include bonds and mutual fund shares, provided the donor has held them for longer than one year, Fidelity confirmed.

What the 2026 deduction limits and rule changes mean

Contributions of long-term appreciated securities to a public charity are capped at 30% of the donor’s adjusted gross income (AGI), compared with 60% for cash gifts, according to IRS Publication 526. 

Any amount above the 30% threshold carries forward for up to five additional tax years, giving donors flexibility if a single gift exceeds the annual ceiling.

More Fidelity: 

Dave Ramsey raises a $185K risk Fidelity pegs for retirees

Fidelity’s data makes Suze Orman’s 401(k) warning hard to ignore

Fidelity puts a stark number on healthcare in retirement

The 2026 tax year also introduced two changes under the One Big Beautiful Bill Act (OBBBA) that affect charitable deductions for itemizers, Q3 Advisors reported. 

A new 0.5% AGI floor means only contributions exceeding 0.5% of adjusted gross income are deductible, and a separate provision caps itemized charitable deductions at 35% for taxpayers in the top 37% bracket.

Both changes reduce the net deduction for high-income donors with large gifts, while the capital gains tax savings at the core of the strategy remain fully intact.

New 2026 tax rules introduce stricter limits on charitable deductions, changing how high-income donors benefit from gifting appreciated stocks to charity.FG Trade Latin / Getty Images

Why most investors with appreciated stock still donate cash instead

A Fidelity study found that 80% of donors owned publicly traded securities that had appreciated in value, yet only 19% had ever donated those assets to charity. 

That gap has a real cost, because a direct stock transfer can increase the amount reaching the nonprofit by up to 20% compared with selling the securities first and donating cash, Kiplinger’s guide to tax-smart charitable giving confirmed.

Donors facing that obstacle can route the securities through a donor-advised fund (DAF), which provides an immediate deduction and allows donors to recommend grants to multiple nonprofits over time, Q3 Advisors noted.

Fidelity’s year-end guide also flags the strategy as a rebalancing tool, because donating the most-appreciated position trims concentration in a single name without being taxed.

What the IRS requires to complete the transfer

The donor must initiate a direct transfer of shares to the charity’s brokerage account, and the gift must arrive by December 31 to qualify for a deduction in the current tax year, Fidelity noted. 

The IRS requires a written acknowledgment from the charity for any gift valued at $250 or more, and donations above $500 require the donor to file Form 8283. 

Only long-term holdings qualify for the full fair market value deduction, so the shares must have been held for more than one year at the time of the gift, Fidelity confirmed.

What concentrated-position investors should weigh before year-end

Investors holding an outsized position in a single name face a year-end decision: donate those shares directly, or sell them and give cash. 

The optimal path depends on gift size, the donor’s adjusted gross income (AGI), projected AGI over the next five years, and the ability to itemize, according to an analysis by Anchin LLP. 

Appreciated securities face a 30% AGI deduction ceiling versus 60% for cash, yet donating in kind is generally more efficient because it avoids capital gains tax, Wear explained.

Fidelity recommended starting with highly appreciated stock, which offers the greatest potential tax benefit and can restore balance to a concentrated portfolio without triggering taxes. 

Donors who select the right holding, confirm their charity accepts stock transfers, and act before the end of the year have the key elements in place, Fidelity’s year-end guidelines confirmed.

Related: Fidelity highlights tax-free way to fund long-term care

Have $2 Million Saved? Your Social Security May Be Taxed More Than You Expect

November 1, 2026 MMN Editor Filed Under: Money.com, SUCCESS

It can take multiple decades of earning, saving, and investing to end up with a $2 million nest egg. However, depending on where that money is kept, you may have to pay more than you think on Social Security taxes.
Up to 85% of your benefits may be eligible for taxation. Here’s what to know and why considering the taxes in your financial plan is so important.

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Why big balances trigger the max
The IRS considers your combined income — your adjusted gross income plus nontaxable interest plus half of your Social Security benefit — when determining how much of your Social Security benefits are taxed. If it exceeds $34,000 as a single filer or $44,000 as a married couple filing jointly, up to 85% of your benefit may be taxed.
If you have all of your retirement funds in a traditional retirement plan, all of your withdrawals will count as ordinary income.
The RMD squeeze
A higher Social Security benefit generally reduces how much you have to withdraw from your retirement plan to cover living expenses, but required minimum distributions (RMDs) can force you into a higher tax bracket. Anyone who was born between 1951 and 1959 must take out RMDs at 73, while it starts at 75 for people who were born in 1960 or later.
The first year of RMDs can force a $75,000 withdrawal from a $2 million IRA. The IRS requires that you take out minimum distributions once you turn 73 or 75, depending on when you were born.
Not only can a high RMD make 85% of your Social Security benefits taxable, but that same withdrawal can push you into a higher tax bracket. Some people get caught by surprise when RMDs start, which can result in a higher tax rate than necessary.
The Medicare surcharge
The same income from a required minimum distribution can also boost your Medicare Premiums. Part B and D premiums are tied to income, and premiums will go up for 2026 the moment single filers cross $109,000 in modified adjusted gross income. The number is $218,000 for married couples filing jointly.
Taxable portions of your Social Security benefit will count toward your modified adjusted gross income.
What can help lower taxes
Taking action before RMDs start can minimize the tax impact, let you keep more of your benefits and keep Medicare premiums in check. Doing partial Roth conversions each year in your 60s can reduce your tax-deferred balance while growing a nest egg that will provide tax-free withdrawals when you want to tap into it.
Qualified charitable distributions can also help people who are 70 ½ years old. At that point, you can donate up to $111,000 per year directly from a traditional IRA.
It’s best to plan for your taxes ahead of time instead of waiting until your first RMD arrives. Being strategic about withdrawals and other strategies throughout your 60s lets you spread the tax impact instead of getting hit with big bills deep into your retirement years.

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Powerball Jackpot Nears $800 Million—But A Winner Would Take Home Much Less After Taxes

November 1, 2026 MMN Editor Filed Under: Forbes, SUCCESS

A winner would choose between the full jackpot in 30 annual payments or a lump sum of $339.9 million immediately.

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