Of the actual number of people who make New Year’s Resolutions, over 80% of them fail by February. Who knows why – I know I’ve never stuck to one of my resolutions all year. According to PayPal’s Co-Founder and current CEO of Affirm, Max Levchin, consistency is his key to success.

“‘I basically find a routine that I like, and I just stick to it obsessively,’ Levchin told Alyson Shontell (US Editor-in-Chief of Business Insider). ‘If I skip a day, it’s extremely uncomfortable. The No. 1 power in any behavior is in turning it into a default. So long as you make those defaults healthy, it’s very easy. You can just exist in a fairly healthy universe.’

For Levchin, that means exercising every single morning, within reason. He said: “So long as your daily default is ‘Be on the bike,’ some days you’ll miss because you’re traveling or you’re sick. But most of the time, you’ll just get up, and get on a bike first thing in the morning, which is what I do.'”

Read more and listen to the Podcast interview here.