Brain circuits are thought to form a "cognitive map" to process and store statistical relationships in the environment. A cognitive map is commonly defined as a mental representation that describes environmental states (i.e., variables or events) and the relationship between these states. This process is commonly conceptualized as a prospective process, as it is based on the relationships between states in chronological order (e.g., does reward follow a given state?). In this perspective, we expand this concept on the basis of recent findings to postulate that in addition to a prospective map, the brain forms and uses a retrospective cognitive map (e.g., does a given state precede reward?). In doing so, we demonstrate that many neural signals and behaviors (e.g., habits) that seem inflexible and non-cognitive can result from retrospective cognitive maps. Together, we present a significant conceptual reframing of the neurobiological study of associative learning, memory, and decision making.