Present bias is especially strong among twentysomething who put a lot of psychological distance between now and later.The future can seem socially distance when we hang out with people who are not talking about it either. Later can even feel spatially far away if we imagine ultimately settling down in some other place. The future isn't written in starts, there are no guarantees, do the math, make your own certainty. Be ruled by time, the wisest counselor of all.
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How to make rational decisions
The role of biases in decision-making
The impact of social norms on decision-making
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