As you age, revenues and costs of life both go up. Amounts that seem life-changing at 18-22 seem like they'd barely cause a ripple at 40
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The good news: as your life gets more complex, it also becomes weirdly sensitive to being massively steered by serendipitous minor events.
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So "inertia" is wrong word in a way. Along some vectors you have high or even infinite inertia (kids?). Along others, you can turn on a dime
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