As she was doing research for her last book, Gretchen Rubin started noticing that people respond to internal expectations (the ones you set for yourself) and external expectations (the ones others and society set for you) in four different ways. She also discovered that knowing which of the four you are — a Questioner, Obliger, Upholder or Rebel — is essential when it comes to breaking habits and making new ones. She’s here to tell us about it and her new book, The Four Tendencies: The Indispensable Personality Profiles That Reveal How to Make Your Life Better (and Other People’s Lives Better, Too). (Play along by taking this quiz before listening: http://bit.ly/2ikY96f.) Plus: Kelly and I dish about flat-fee real estate agents and credit cards for recent grads. Please rate us on Apple Podcasts, leave us a review and tell us what we can do to make the show better. Because when it comes to your expectations of HerMoney, we’re definitely Upholders with Obliger tendencies.