I had a sobering meeting with a former colleague from work. We had not met for years. But I vividly remember him making a commitment at the end of our previous coffee chat in 2016 or was it 2017 that he would start a regular savings plan into a few ETFs right away.

Well, he did not do it right away.

He actually did not do it at all!

When I asked him why, he mumbled something like, “I used to be indecisive. Now I am not sure.”

Yeah, right. I get it. Choice is hard. When faced with more than 2 additional options to choose from, we often get discombobulated (English is such a great language) or confused, and then we don’t decide and we stay with what we do/have already.

When there is only 1 additional option, we often choose that one, but when there are several options,