The best decision is deciding to make less decisions.
This principle applies to both your health and wealth.
Take a look at our obesity crisis. Losing weight without the assistance of big pharma is a major challenge for the average American.
It turns out there’ a boring solution to the epidemic.
A 2026 study followed individuals trying to shed pounds. It measured the amount of variety in their diets. It turns out people who ate the same daily group of foods lost about 37% more weight than those who made choices all across the food spectrum.
According to Dan Go:
Also, when you observe the longest-living people on the planet, in places like Okinawa and Sardinia, you notice they mostly eat the same foods day after day. Same thing with the fittest people on the planet.
This doesn’t mean you must eat the same things daily. It’s more about assembling a lineup of meals that are accessible and healthy. The key point is limiting your decision making during stressful times. This is where Twinkies and Dorito’s burst upon the scene if you don’t have a pre-arranged meal plan.
The average Americans makes about 200 food decisions daily. That’s about 190 too many. Stressing over what you’re going to eat serves as a tax on your body and mind. Choosing between Energy Takers and Givers determines the quality of your life.
Relying on willpower is a proven failure. As the day goes on, willpower becomes a depleting resource. The more stress, the less willpower at the end of the day. It’s no wonder a Pizza and a Coke become the default nutrition plan.
I’m in 100% agreement with this study. Every day I have the same meals for breakfast and lunch. In the morning Oatmeal with protein powder, nuts, and berries. For Lunch eggs or chicken. Dinner is different but if your first two meals are healthy it’s much easier to be disciplined and not eat junk and ruin the days progress.
Obviously, one shouldn’t be a robot regarding meals. Having cheat days and enjoying your vacations are part of the plan but you get the point.
The same boring strategy can be applied to your personal finances.
The best financial habits are the ones you’ll repeat without having to think about them. Decision fatigue is a real problem with your money. Simplicity and routine are the best antidotes to this disease.
Here are a couple of ways to take the excitement out of your finances that lead to better outcomes.
- Automate recurring financial decisions: Setting up automatic transfers to savings, retirement accounts and bill payments removes choices and lowers your decision tax greatly. The money moves before you have time to think about it and possibly do something stupid. You don’t rely on will power for savings, automation takes precedence. Wealth building rather than mindless spending is the most probable result.
- Use a simple, repeatable budget framework: Tracking every dollar you spend is an exhausting and ineffective strategy. Adopting a fixed rule is the far better option. The 50/30/20 allocation fits the needs of most people. This entails spending 50% of your funds on needs, 30% goes to wants, and the final 20% ends up as savings. Not only does this save a lot of brainpower but you are far more likely to stick with the plan.
In many cases, the most exciting life is funded by the most boring systems. Funding and freeing up time for meaningful life goals is what financial planning is all about.
Let routine, not drama become the foundation for what actually matters.
