674: The Hidden Habit That’s Robbing Your Future— and You Don’t Even See It

What if the biggest threat to your long-term success is the way you’re prioritizing today?

In this episode, I break down a powerful mental trap called hyperbolic discounting— a hidden habit where we consistently choose short-term rewards over long-term gains.

From skipping important business projects to clients picking bad mortgage terms for a lower rate today, this bias shows up everywhere. I’ll share what it is, how to spot it, and what I personally do to protect future Scott from present Scott’s worst instincts.

What We Cover:

• Why We Set Big Goals and Still Procrastinate – How your brain tricks you into short-term decisions that hurt your future.
• Mortgage Clients Do This Too – The psychology behind picking a bad mortgage to save a few bucks now.
• The Homer Simpson Problem – Why "future you" keeps getting stuck cleaning up "current you’s" mess.
• My 23-Year Vision Trick – How visualizing my 70-year-old self helps me stay focused today.
• How to Override the Bias – A simple morning routine that changed how I work, think, and plan.

You don’t have to be perfect— you just have to be intentional. Start showing up for your future self today, and you’ll thank yourself tomorrow.

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