
The Unvarnished Ledger - Part 5: The Myth of Optimization
The Unvarnished Ledger: Personal Finance Without the Platitudes ← Series Home Key Takeaways Optimization Anxiety: Turning life into a performance metric creates burnout, not excellence. Diminishing Returns: The final 20% of optimization costs more effort than the first 80%. The 80% Rule: Sustainable, stress-free foundations beat exhausting perfection. Build in Slack: Unallocated time is anti-fragility insurance, not waste. Stop the Scorecard: Remove performance pressure and actual benefits often increase. The Tyranny of the Marginal Gain In business and self-help literature, there is an obsession with optimization—finding the perfect routine, the ideal diet, or the most efficient use of every minute. This relentless pursuit of the marginal gain is often touted as the key to elite performance. ...
