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By changing the default option of certain choices is an easy way to immediately change behavior. Remove all distractions and non-essentials from your life, so doing the essentials becomes your “default position.”

• The default option isn’t always the wrong one, but it’s always riskier than it looks.
• The comfort zone of the default option is a dangerous situation and mindset to be in.

Biases are hardwired and difficult to change. To change behavior, attention is not paid to countering the problematic thoughts, judgments, or predictions. Instead, it has been directed to changing the behavior in the form of incentives or "nudges."

For example, employe...