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Unless you don’t do it.
There are people who said they would and people who did. Nothing separates them but what it cost to quit. Put a price on yours and find out which one you are. Do it or lose it.
Example
3× a week · 4 weeks · $10 a check-in
How a commit works
No grace days on a commit. Nothing covers a check-in you didn’t make.
Name the habit and what counts as doing it. That’s what your evidence is judged against.
Every day, a few times a week, or once. You pick when the day closes.
You choose the amount. The whole total leaves your wallet before day one.
A moderator reviews every check-in, usually within 36 hours. Rejected costs the same as missed.
Most people say no to this.
13.7% accepted the money-at-risk programme. 90% took the cash reward instead. The ones who said yes did more than twice as well. Halpern, NEJM 2015 →
The receipts
Four findings from peer-reviewed trials.
81%
A savings account you couldn’t raid beat the control group by 81 points in a year.
QJE, 20062×
Among people who’d have accepted either, money at risk beat a cash reward twice over.
NEJM, 201547%
A self-funded commitment kept 47% of the gym effect a year later. An incentive alone kept 16%.
AEJ: Applied, 20154×
An upside made people four times likelier to take a deposit on, with no loss of effect. One trial, 137 students.
Psych. Sport Exerc., 2024Two ways in
Both put real money behind a habit. They settle very differently.
You against yourself
Private, and settled one check-in at a time.
You against a group
Everyone stakes the same. Finish and you split what the quitters forfeited.
Seven finish, three drop out. The three forfeit $150. Accustom takes 12% — $18 — and the other $132 splits seven ways. Each finisher gets their $50 back plus about $18.85, less any grace days they spent.
A challenge picks one. On a commit, you do.
Before you stake anything