One of the key takeaways from the book is the importance of focusing on systems rather than goals. Goals are the outcomes we’re striving for—passing an exam, earning a promotion, improving our health. Systems are the processes we put in place to support those outcomes. Clear makes the point that both winners and losers set goals; what separates them is the quality and consistency of the systems that surround them.

As actuaries, this idea resonates deeply. We understand compounding. Just as small amounts of interest build over time, success often comes from the compounding effect of daily habits—not from once-in-a-lifetime transformations. Clear talks about the power of getting just 1% better each day. Progress tends to happen gradually, almost imperceptibly, until one day it feels sudden—much like water heating slowly until it reaches a boil.

I’ve found these ideas especially helpful when I think about my own career as a consulting actuary. One practical application has been something quite simple: putting important things directly on my calendar. Whether it’s focused time for a work project or making sure I get in a morning workout, scheduling those priorities makes them far more likely to happen.

Another application has been reducing barriers and building accountability. Small changes can make a big difference—placing my gym bag by the door, keeping healthier snacks within reach, or using an app to track activity. These steps remove barriers and make good habits easier to maintain. I’ve also seen the value of standing appointments with colleagues and clients. Consistent connection builds awareness, accountability, and trust over time.

Perhaps the most meaningful takeaway for me, though, is the idea of focusing on who I’m becoming, not just what I’m trying to achieve. If my goal is to be a trusted adviser to my clients, the daily focus becomes listening well, being reliable, and offering thoughtful insight. When we concentrate on becoming that kind of person, the goal itself often takes care of itself.

As members of the CCA, we know that trust, consistency, and intentional growth are central to our profession and our community. My hope is that these reflections encourage you to think about the small habits and systems in your own life—and how, over time, they can lead to lasting impact.