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Default is like autopilot on a budget, it keeps you safe but it rarely puts money where value really grows. Choosing the harder path feels costly now, yet over time it can compound into better choices, kind of like paying yourself first even when your hungry :) If the price today is small ethics cuts to survive, the interest on that debt can come due later and it narrow our future self. How do you nudge your default toward less short term comfort and more of who you want to be?