665: How to Make Lasting Change – According to Science – with Katy Milkman

By May 6, 2021Podcasts

 

 

Behavioral scientist and Wharton professor Katy Milkman reveals how behavioral science can help you make changes that stick.

You’ll Learn:

  1. The top obstacles of change–and how to overcome them 
  2. How to overcome your impulsivity 
  3. How you can make your laziness work for you 

 

About Katy

Katy Milkman is the James G. Dinan Professor at The Wharton School of the University of Pennsylvania, host of Charles Schwab’s popular behavioral economics podcast Choiceology, and the former president of the international Society for Judgment and Decision Making.  Over the course of her career, she has worked with or advised dozens of organizations on how to spur positive change, including Google, the U.S. Department of Defense, and Walmart. 

An award-winning scholar and teacher, Katy writes frequently about behavioral science for major media outlets such as The Washington Post and The New York Times. Her book How to Change: The Science of Getting From Where You are to Where You Want to Be came out two days ago! She earned her undergraduate degree from Princeton University (summa cum laude), and her PhD from Harvard University where she studied Computer Science and Business. 

Resources mentioned in the show:

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Katy Milkman Interview Transcript

Pete Mockaitis
Katy, thanks for joining us here on the How to be Awesome at Your Job podcast.

Katy Milkman
Thank you so much for having me. I’m excited to be here.

Pete Mockaitis
Well, I’m excited to learn how to change once and for all. You’ve literally written the book on this and I can’t wait to hear your insights.

Katy Milkman
Well, I’m excited to share.

Pete Mockaitis
Well, maybe to kick it off, could you share maybe what’s maybe one of the most surprising, fascinating, counterintuitive discoveries you’ve made about us humans doing behavior change while researching the book How to Change?

Katy Milkman
That’s a great question. I love starting with that question. Probably it’d be a study I ran at Google that had the most counterintuitive finding to me. And it was a study where, actually, my collaborators and I were trying to figure out if we could create more durable habits around exercise in people if we got them to build really consistent routines, which is what our read of the habit literature suggested makes habits sticky, like, “Always at the same time of day, I’m really, really grounded in that routine and now it becomes like second nature to me.”

And if we could build that, we thought, then we sort of let go and we’d see these lasting habits. So, we ran this experiment with Google employees where we basically, for a month, gave them rewards for either visiting the gym at the same time of a day, a consistent time that they’d said was ideal for them, or for any time, whatever they wanted. So, about half of their visits ended up being at a consistent time but the other half were all over the place.

Pete Mockaitis
And so, one group was rewarded only when they went during the time they said and the other was rewarded regardless?

Katy Milkman
Exactly.

Pete Mockaitis
Okay.

Katy Milkman
We actually varied the size of the incentives so we got variance in how often people went, and we basically ended up with two groups who went the same frequency but in different patterns. One is going very consistently, the other is more variable when they go. And then the question was, “What happens at the end of this month?” And we were sure, we knew, it was going to be the people who had that consistent routine, and we were wrong.

And what we found out is that the reason we were wrong is not that we had our model completely messed up, it was true that the people who had been really consistent in their exercise who would basically train to be automatons, the same time, same time each day. Those people actually were a little more likely to keep going at that same time, but if they didn’t make it to the gym at that time, they didn’t go at all.

And the folks who had built a more flexible habit ended up with a more durable habit because they went a little less often at that magic time, it was the best time each day for them, but they went at other times too, and at that they went more. And that was really surprising to us that, it turns out, and I write about this in the book, I call it the power of elastic habits. I really expected, from everything I’d read, that those consistent cues would be critical to durable habit formation but what we found instead was that it bred rigidity, and that if you’re going to get something done, you need to be flexible, and just say, “I’m going to do it no matter what,” not, “I’m going to only do it under this narrow set of circumstances.”

So, I think that’s really interesting and it was a really important takeaway and counterintuitive to me. Although, now it makes sense, in hindsight I can see why that’s important but it’s not what I expected. And we surveyed professors of psychology in all the top universities, and 80% of them also were surprised. They predicted strongly, “Oh, yeah, that consistency, that’s what we know about habits. Consistency breeds habit,” and it’s just not what we found.

Pete Mockaitis
Yeah. Wow, that’s striking. And so, well, there’s one gem right there, so thank you.

Katy Milkman
You’re welcome. That’s a great opening question.

Pete Mockaitis
Well, let’s zoom out a little bit in terms of, okay, your book How to Change: The Science of Getting from Where You Are to Where You Want to Be. Can you lay it on us sort of the big idea or key theme or thesis associated with this work?

Katy Milkman
Yeah, absolutely. So, the key idea behind this book is that there’s a lot, of course, of great books and a lot of great knowledge out there about how to change and, yet, it’s not getting us where we want to be for the most part. People are still looking for these kinds of books, still trying to figure it out, a lot of us aren’t where we want to be. And one of the things I have found in my career, devoted to studying this topic of where change comes from, is that I think part of the problem is we often don’t focus on what is actually obstructing change for a given individual, for a given challenge or a given goal they’re trying to achieve, and tailor the solution to that obstacle.

We sort of grab one of those big ideas off the shelf that sounds sexy and appealing, like, “Set big audacious goals and then break them down,” or, “Build a really tiny habit and piggyback.” Like, there’s all these ideas that are out that are appealing but they won’t work if they’re not solving for what’s holding you back.

So, that’s kind of the big idea behind the book. There’s all these different things that can be barriers to change, whether it’s, “I don’t enjoy doing the thing that I need to do to change,” or, “I keep forgetting to do the thing and flaking out because I’m too busy and it’s just, I can’t prioritize it,” or, “I’m having trouble getting started,” or, “I don’t have the confidence to change. I don’t believe I really can and that’s holding me back,” or, “My peer group is not showing me the ways to do it and is a bad influence.”

Like, what is the challenge and the solution then will be different. And we can make more progress if we actually diagnose what’s standing in the way, and then use the best science to solve that specific problem. And I see this all the time in my work with companies, that they have some behavior, “We want get people to save more for retirement,” or to get their flu shots, or to be more productive. Like, let’s just grab from this bag of tricks from behavioral science and we think we’ll be able to slap a solution on it, but if there isn’t an understanding of, “Well, why aren’t people saving? Why aren’t they productive? What’s holding them back?” that is matched to the solution, we don’t get very far.

Pete Mockaitis
Okay, that’s resonating a whole lot. I’m getting chills in terms of like there’s much truth here.

Katy Milkman
Thank you.

Pete Mockaitis
So, in a way, it seems like self-evident, “Well, of course, you should figure out what’s the challenge and address it.”

Katy Milkman
It does seem self-evident.

Pete Mockaitis
And, yet, we don’t.

Katy Milkman
It’s astounding how often we don’t, yes.

Pete Mockaitis
Well, can you lay it down, lay it on us then, what’s maybe the menu of categories of obstacles and the best practices for deconstructing or addressing those obstacles? And then, maybe even before we go there, how do we go about identifying it and zooming in on it very well? Because, for example, when you say, “Why don’t people save?” like, “Well, I just don’t have enough money. I don’t have any spare money to save. I guess we’re done.” And so, it’s like, “Well, no, not quite. I think we got to dig deeper.” So, yeah, let’s start there. How do I identify, like, what’s the crux of the obstacle here?

Katy Milkman
I think the answer is probably most people will recognize themselves and a specific problem when they see these different discussions.

So, for example, I mentioned it’s not fun. That’s a really common one. I don’t know if that’s not a super common one for retirement savings. Most of us aren’t like, “I want it to be fun to save. And I find it dreadful and dreadfully unpleasant in the moment to do it.” That’s more like exercising or eating right or really focusing at work instead of scrolling social media. But that’s a category of obstacle.

Another category of obstacle is, “I don’t see how I can do this. This doesn’t seem doable.” I think that’s a big one, and retirement savings is actually is like, “Wow, it doesn’t feel feasible.” And that can come down to confidence, it can come down to what you’ve seen other people like you accomplish, and how, if you’ve learned their techniques and skills for doing it.

Another category can be, as I mentioned before, just flaking out, like, “There’s just a lot going on and I can’t get this to the top of the list, and I keep spacing it when it’s time to actually setup the 401(k).” So, it depends on which one you see yourself in, and I think it’s not like a category of problem, it’s always the same answer for different people. For some people, savings is also about procrastination, like, “I mean to do it but tomorrow I’ll get around to do it,” and then tomorrow never becomes today.

So, I think the goal of the book is that the reader will be able to see themselves as they see the classes of challenges and see what the solutions are. And there really are some experimentation individuals have to do, like, “Oh, I thought this was right solution for me. I tried it. Oops, I had diagnosed my barrier wrong. Really, that wasn’t what was holding me back. It wasn’t that I wasn’t going to the gym because I thought it was incredibly unpleasant. It was that I just hadn’t made the time to do it with the right people and I didn’t have the right social network and the right structures.”

So, there’s different problems for different people even for the same outcome, there are some commonalities.

Pete Mockaitis
Well, so then it sounds like one way that you diagnose kind of like the core obstacle is you try something and you realize, “Hey, it turns out that wasn’t it at all. Okay.”

Katy Milkman
That’s one way. Hopefully, I think that will be one way. I also think another way will be looking, for the book and even for this conversation, and seeing yourself in the challenge. So, I do think people will be able to self-diagnose if they just give a little thought. I think normally that’s not the prompt we get. Instead, we get a solution, like, “Here’s your solution. This is going to work for you because it works for lots of other people,” instead of some thought about, “Why is it that I can’t motivate myself to do X.” And often, introspection is going to be enough. We’re not that hard to understand when we look internally in a lot of cases.

Pete Mockaitis
Well, so let’s say that if I am thinking about, “Hey, what’s my obstacle?” and then what I come up with is something lame, like, “No, I just don’t have enough time”? Like, what does that really mean and how do we get deeper?

Katy Milkman
Yeah. Well, “I don’t have enough time” isn’t the kind of obstacle that the book is about because that’s not an internal obstacle. So, the book is really about how are you holding yourself back. “I don’t have enough time” is an external obstacle, like the way you structure your life needs to change. And I think you’d get some ideas about that once you’ve read the book about, “Oh, okay, does that mean you really don’t have enough time or do you just need to restructure yourself and your life differently?”

But the book is more about, so, if you’re like, “I don’t have the resources,” that’s a different kind of challenge than, “I can’t get myself to and I need to find a way to get myself to do something differently.” Does that make sense?

Pete Mockaitis
Oh, I hear you. And I guess maybe you’re kinder than I am to our imaginary interlocutor here. I guess when I hear “I don’t have enough time” I guess I just don’t buy it as my default.

Katy Milkman
Oh, yeah. And it can also be like, “I don’t have a priority to do this.” So, the book is not to convince you that you need to change. The book is for someone who has a goal, they want to achieve it, they haven’t been able to get there, or maybe they haven’t tried yet, they’re ready to try, and it’s going to offer the best science has for them about how they can set themselves up for success.

It doesn’t guarantee success by any stretch changes really, really hard but, hopefully, I think my career has been devoted to understanding what is the best knowledge out there, what’s the best science out there on how we can change, and I’ve tried to put it all in one place so that, for someone who’s motivated and ready to give it a shot, it’ll give them the best chance available.

Pete Mockaitis
I hear you. And I think that precondition right there says it all in terms of, like, if you’re really motivated, “I don’t have enough time” is probably not going to be what you say is your obstacle because, by definition, you think it’s important enough to make some time, and it might just be tricky to actually figure that out in a calendar, like, “No, for real, where do these 30 minutes actually emerge from?”

Katy Milkman
Right.

Pete Mockaitis
So, maybe can you lay it on us, perhaps like the top three obstacles and some of your favorite solutions to those obstacles?

Katy Milkman
Sure. Okay, I can give you one that I love because I’ll probably pick on ones where I have done the most research personally which doesn’t necessarily mean they’re the most important ones but they’re the ones I find most interesting.

Pete Mockaitis
Okay.

Katy Milkman
So, one of them is impulsivity, and I’ve touched on this a little bit already and things I’ve said, which is like people are wired to look for instant gratification and to dramatically discount things that are good for us in the long run, which is why it’s so hard to drag yourself to the gym and eat that healthy food when there’s a pizza right next to it or a brownie calling your name, stay off social media, study for a test when there’s more exciting options that, even though you know clearly what’s good for you in the long run, is just not fun to do in the moment.

And I think one of the really interesting things research has shown is that people, generally, when they face a challenge like this to motivate themselves to do something that’s not that enjoyable in the moment but that’s good for them in the long run, our inclination is to just try to push through and look for the most effective way to achieve our goal.

So, if we’re, I’m going to go back to the gym, but there’s lots of places you can think about this, if you’re choosing to work out at the gym, most people are like, “I’m going to do the most effective workout on this first trip to the gym,” as opposed to an alternative, which would be, “I’m going to do the most fun thing I can do. I’m going to do the Zumba class. It’s not going to burn as many calories per minute maybe but I’m going to enjoy it.”

Same thing with healthy foods. We look for the basket of foods that’s most sinless as opposed to a healthy food that we actually enjoy eating. Or, you need to study and do work, like do you try to set up an environment where you’re really going to actually enjoy it? Maybe there are some people around that you’re studying with, or you’re in a coffee shop that you like, and you get yourself your favorite drink and you feel great. Or, are you just going to try to do it in distraction-free environment because that’s the most effective?

So, most of us think effective, and what research shows is we’re actually better off trying to do the fun workout, eat the tastier, healthy food even if it’s a little worse for us, and study in a way that’s a little less effective but more fun if we want to persist because we’re so wired for that instant gratification. We won’t push through, we think we will, but we won’t, if it’s not fun.

So, I think that’s a really important insight and it actually is really related to some work I did early on in my faculty career on something that’s a very specific solution to this. I call it temptation bundling. And the idea is only allowing yourself to enjoy some indulgence that you look forward to but maybe you shouldn’t indulge in too much, some guilty pleasure, while simultaneously doing something that’s good for you and productive so that now you start to crave.

Maybe it’s trips to the gym to binge-watch your favorite TV show, or trips to the library because you’re always going to pick up your favorite Starbucks Frappuccino en route, or folding the laundry or home-cooked meals because you’re listening to your favorite podcast at the same time. So, if you can temptation bundle, suddenly, this thing that was a chore, actually becomes something you look forward to.

And I’ve studied this and show that it can help people exercise more, and found in my own life, of course, that it also is very effective for solving all sorts of dual self-control challenges. So, in general, a principle is, make it fun, and then temptation bundling is one tool to do that, and the obstacle is when something isn’t instantly gratifying, and because of impulsivity, therefore, you aren’t making progress on it.

Pete Mockaitis
Well, I love it. And that just seems like a game-changing insight distinction right there. Because of our impulsivity, don’t go guns blazing for the most effective path, but rather the most enjoyable path if what you want is consistency and persistence, like, that’s huge. Thank you.

Katy Milkman
That’s beautiful, yeah. And I only gave you one, you asked for three. I was like, “I have to breathe in here.”

Pete Mockaitis
You’re allowed to breathe. Your temptation for breathing can be bundled to more insight, Katy.

Katy Milkman
I will breathe while giving insight, okay. A second one that I like, is actually, I’ll call it the getting-started problem. And that is even though we want to do something, or motivated to do it, like finding the moment where you’re like, “Okay, and now I’m going to take action. I’m going to do something. I’m going to do something about it. This is the moment action is beginning.” It’s hard to get over that hump from visualizing it to doing it.

And I had this really interesting conversation with one of the HR leaders at Google about a decade ago when I was visiting and presenting. It’s actually as a precursor to doing the gym study I mentioned earlier on habits, I was telling them about some of my other work on nudging better decisions, helping people through use of behavioral science, make better choices at work about everything from enrolment in 401(k) plans to getting flu shots, you name it.

And this question was, “Okay, Katy, totally sold. We should be using behavioral science to encourage more productivity at work, more use of health and wellness programs, more retirement savings. But is there some optimal time to encourage that change? Is there some moment when people are particularly likely to hop on the bandwagon if we offer up tools that will help?” And I thought that was such a fascinating question and I didn’t know of any research that really addressed it so it ended up guiding my work for the next several years.

And what I immediately thought of, which came to mind, for you, too, when I posed that question was New Year’s. We all know that at the beginning of a new year there’s like this huge boost in people’s enthusiasm for starting resolutions. Forty percent of Americans set some sort of resolution. Many of them fail but they at least give it a shot which is more than we can say for many other times of the year. And I wondered, and my collaborators and I wondered, too, like, “Is there something bigger going on there? Is it just New Year’s or are there moments like that? And why New Year’s?”

And what we realized is, of course, there’s this like, it’s a social construct now, there’s norms around it, but part of it, what’s going on, is that at these moments, like New Year’s, that feel like a breaking point in life, we step back and think bigger picture, and we also feel some sort of dissociation from our past failures, because, “Oh, like, that was the old me last year, and the new me has a clean slate and I’m going to be able to do the things that were tough before and that seemed insurmountable.”

So, that sense of a clean slate and identity shift, boosted optimism, the tendency to step back, actually arises at a lot of moments in our lives that basically serve as chapter breaks in the way we structure our narrative. So, there are small ones like the start of a new week. There are big ones, celebrating a birthday, moving to a new job or a new city, becoming a parent. All of these moments turn out to make us feel like we have a clean slate and a new beginning, and people are more likely to do things like create goals on goal-setting websites, search for the term “diet” on Google, go to the gym, at these moments, and so I think that’s really interesting.

So, my team has studied specifically temporal landmarks, so moments that actually don’t involve a change in our lives but there’s also research that’s shown when you move to a new place, you move to a new job, those moments are productive times for change because, literally, you have a clean slate. You don’t have old bad habits to fall back on and you have an opportunity to build and structure new routines and not walk by the Dunkin Donuts on the way to work on this new commute.

And so, whatever it is that has been tripping you up, you have that clean slate in addition to the psychological clean slate. So, in that sense, I think the obstacle there is, “How do you find the motivation to get started?” And our research points to looking for these moments that have fresh-start resonance as jumping off points, and also nudging other people to notice them.

So, we found, for instance, if you just mark your calendar with the first day of spring on it and give you an option, like, “When might you want to start getting reminders from us to pursue a goal you’ve been meaning to get around to?” and March 20th is labeled first day of spring. Now, it triples your excitement about getting reminders to start your new goal in that day than if we gave you a calendar without labeling March 20th the first day of spring.

So, we can do, and we ran a study where we invited people, thousands of people who weren’t saving adequately for retirement, to sign up for our retirement program at their employer to start setting aside a portion of their paychecks in retirement savings. And everybody got an identical offering, you could start saving right away or you could delay a few months. But some people that delay, we labeled, and it corresponded either to a birthday or to the start of spring, and we said, “Do you want to start saving after your next birthday? Do you want to start saving at the start of spring?”

So, we’re literally making an apples-to-apples comparison because everybody is getting that same offering but some people don’t have it labeled for them as their birthday. It just says in three months. And we see a 30% increase in savings over the next eight months when we’ve invited people to start saving after those fresh start dates.

Pete Mockaitis
I was just going to ask, Katy, so not only do we have more enthusiasm to start but the proof is in the pudding. They actually do it afterwards.

Katy Milkman
Well, I do think a really important note is that, in that case, we set ourselves up for success because it’s an auto…it’s like a self-fulfilling thing.

Pete Mockaitis
You flip the switch once to do it, yeah.

Katy Milkman
Yes, and those are the best things to do at fresh-start moments because the motivation wanes and that’s why so many New Year’s resolutions fail. So, it only solves one problem, which is getting started, and the rest of my book talks about how you solve all the other problems so you stick to it and actually get somewhere with your goals. But if you can put it on autopilot, how about if that’s my third answer, but it’s not a super original and it is a super powerful one.

Anything we can put as a default so that it is just self-perpetuating, that’s a huge win because an obstacle to change is laziness, but you can turn it on its head and make it into a solution if you set defaults, like in that moment of motivation, you sign up for the retirement savings plan on January 1st, and now it’s going to just kick in. You’d have to actually lift a finger to change it and, goodness knows, you’re never going to. Or, cancel all of your subscriptions that you don’t really need, one day a year, when you’re feeling motivated after your birthday. Those are the kinds of things that can sort of be gifts that keep on giving. Or, signing up for an educational program or subscription of some sort that’s really valuable. Those also can carry you forward and sort of have like riptide-like effects.

So, if you can use that moment, when you’re feeling motivated to do something and lock in a change that will continue, that’s really valuable.

Pete Mockaitis
Well, that is cool. So, let laziness work for us if you can somehow shift it such that the default of doing nothing benefits you, then that’s awesome.

Katy Milkman
Exactly, which is what happens when you sign up for a savings program once, that just keeps going. Or, when you enroll in school, I mean, you still have to show up, but you’re going. It’s hard to get out. Like, the path of least resistance is to go for the thing that you’ve put a down payment on.

Pete Mockaitis
Yeah, that’s great. Well, Katy, tell me, anything else you want to make sure to mention before we shift gears and hear about a couple of your favorite things?

Katy Milkman
No, this has been so…you’ve asked such good questions. I feel like I’ve been giving you really long and detailed answers, like highlights of the book.

Pete Mockaitis
Oh, I love them.

Katy Milkman
So, I’m excited. Thank you for the great questions.

Pete Mockaitis
Okay, maybe I’ll give one more. What should we not do? And maybe something counterintuitive, like, “Hey, I’ve heard I should do this, but maybe I shouldn’t.”

Katy Milkman
I’m not a big fan of setting like really big audacious goals, like that model, and just assuming that will carry you forward, because without actually getting into the nitty-gritty structures, like I do think people try to think about a north star huge objective and that having that could be really valuable, and I think it can be distracting, it could be overwhelming. There’s also research showing that if you make too many, set too many goals, and then plan for each of them, that’s really demotivating because you can’t do it all and you sort of throw up your hands and give up.

So, I think sort of too big and distant and dreamy and not broken down is bad, and too many objectives that you do break down and plan for is bad. Like, focusing on one thing at a time, that’s a little bit of a stretch but it’s doable and you can plan for it, and then you can use these tactics to help you is the right way forward.

Pete Mockaitis
Oh, great. Thank you. Well, now could you share with us a favorite quote, something you find inspiring?

Katy Milkman
Is it “Well done is better than well said”? Is that Ben Franklin, I believe? I like that one.

Pete Mockaitis
Sure thing. And how about a favorite book?

Katy Milkman
My favorite book is Nudge by Thaler and Sunstein, and that actually has a new edition coming out later this year which I’m really excited for. Though, I’ll also say, my second favorite book, and it’s really close, is Influence by Bob Cialdini. I know you’re a big fan too.

Pete Mockaitis
Oh, yeah.

Katy Milkman
I assign both of those books, by the way, to all of my MBA students at Wharton. I love them and read them every year, and they’re just classics and truly wonderful and have changed the way I think about the world.

Pete Mockaitis
And how about a favorite habit for you?

Katy Milkman
That’s interesting. I wouldn’t call it a habit. Can I say a favorite behavior?

Pete Mockaitis
Oh, sure.

Katy Milkman
Because habits have this very narrow definition in academia where we’re like it’s on autopilot. Okay, so like a favorite behavior or this thing I do, which is I choose to work with people I really, really admire and enjoy spending time with so that work for me is a treat intellectually but also socially. And I feel really lucky to have the privilege of being able to choose who I collaborate with. And so, that has made my career tremendously fun, and I think it’s part of what’s helped me be productive and successful in my career as well.

Pete Mockaitis
And if folks want to learn more or get in touch, where would you point them?

Katy Milkman
My website which is KatyMilkman.com. It has all sorts of information about my book How to Change, about my podcast Choiceology, I have a newsletter called Milkman Delivers, which is a name that I was shying away from but my MBA insisted I had to go with, and about my research.

Pete Mockaitis
Okay. And do you have a final challenge or call to action for folks looking to be awesome at their jobs?

Katy Milkman
I would say one of the biggest takeaways from all of my research on behavior changes that, and we sort of started here, it’s super important to expect that there will be things that don’t work out, that if you are too rigid in your expectations of yourself, if you set up habits that are too rigid, if you set up goals that are too rigid, and let yourself be discouraged when things don’t work out according to plan, and don’t push through, you just won’t get very far.

And in change, anticipating setbacks and being prepared for them, having a backup plan, is just absolutely critical. Even in habits, we found that it was critical to be flexible and build flexible habits. So, it’s “I’ll always…” not “If only…” kind of habit. And I think that’s critical to everything. It comes up again and again in my research, how important it is to find ways to get back up after you’ve fallen down, and to be expecting that that could happen and planning for it.

So, my words of wisdom would be don’t let yourself be discouraged too easily, expect that there’s always setbacks. But on the path forward, it’s, hopefully, two steps forward and one step back, and just be prepared for that and set yourself up for success when you hit those roadblocks.

Pete Mockaitis
Well, Katy, this has been a pleasure. Thank you. I wish you lots of luck with the book and all the ways you’re changing.

Katy Milkman
Thank you. So lovely to chat. Thanks for having me on the show.

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