Most people's financial decisions are probably made for them. Instead of awareness of the options, and conscious decision making, they just take the next step on the ladder. Depending on the bubble they are born into, the people who surround them, and the menu they are offered. Busyness is part of the problem. Taking the time and making the mental space often requires a big catalyst. A death, a baby, a broken relationship, a move, a lost job, or some wake-up call that makes you look wider. Daniel Kahneman talks of Narrow vs Broad Framing. There is a level of calm to knowing each decision we make is just one of several. There is calm in context. There is calm in listening to other people's full stories. In not comparing yourself as "not good enough" in oversimplified I am here, and you are there, contrasts. The struggle isn't necessarily not knowing the answers. It is in being aware of the right questions. Orientating yourself so that you know where you are to start with.
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