Endless choice leads to inertia

Very few of us feel competent enough to choose between an overwhelming amount of options. When you are offered 156 different kinds of retirement plans, for instance, it can make you miserable to make a competent choice.  For that reason, it might be easier not to make a choice.

But even if we do make a choice, we can end up less satisfied. It is easy to imagine that you might have missed an attractive alternative.

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