Rich Roll said you have to be more afraid of your current situation than you are afraid of change. I am sure we all can relate to events that crept up on us and forced us to make changes. The good news is that you don't have to wait until things creep up on you. You don't have to wait until the negative 1% adds up over time. You can change your state now.

Consistency is respecting the flames while aiming to extinguish problems at the base of the fire.

Different looks like beginning a plan to solve your problems and then switching to a new plan at the first sign of adversity.