Compound interest doesn't only work on money. It works on everything that we choose to do, which includes all the good choices and the bad choices. Compounding works on this equation:

Taken from WikiHow link here.

Not all the decisions that we make have the same interest rate. Some decisions are trivial and these compound at a lower interest rate. Yet other decisions are heavier, incurring a much heftier interest rate. If you have to make a decision on whether to drink coke or pepsi, these are unlikely to incur a heavy interest rate. If your peers egg you on to smoke, and you are at the crossroad where you are choosing between smoking or not smoking, these are - surprise surprise - also unlikely to incur a high interest rate. Smoking one cigarette for one day probably wouldn't affect your health significantly. But if you are to decide whether ......