Choosing to try the hard thing at sixteen is cheaper than trying it at thirty with a mortgage.

RESILIENCE

WHAT THIS MEANS

Risk gets more expensive as more people and bills depend on you. At sixteen a failed attempt costs a season and some embarrassment. At thirty the same attempt is weighed against rent, a job somebody is counting on, maybe a family. The thing you want does not get easier, but the cost of trying it goes up.

Make a list of what you would attempt if you knew nobody would laugh, and start the cheapest one this month. Pick the version that fits around school and a shift rather than waiting for a clear year. Failing now is close to free, and that discount does not last.

A QUESTION TO SIT WITH

Which hard thing gets more expensive the longer you postpone it?

MORE IN CHOICE & CONSEQUENCE

Free, with nothing to buy inside it.