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Uncertainty and unintended loops
Before acting, list the ways your fix could route around itself: the constraint moving somewhere new, a reserve you quietly drain, people substituting or gaming, adapting until the gain fades, or costs pushed onto other people, places, or later years.
Before acting, list the ways your fix could route around itself: the constraint moving somewhere new, a reserve you quietly drain, people substituting or gaming, adapting until the gain fades, or costs pushed onto other people, places, or later years.
Example
On the weekend money overhaul you write: cutting eight subscriptions may push spending to one-off Amazon buys; the strict envelope drains the emergency fund by month three; your spouse, never consulted, starts a private card; and by June you both rebound to old habits with less trust.
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