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Core Thinking

Status Quo Bias

Social-cognitive bias

Definition

The preference for the current state of affairs, where changes are perceived as a loss even when they could lead to improvement.

Why it happens

Change involves uncertainty and effort. Our brains prefer predictability, and losses from change feel larger than equivalent gains.

Real-life examples

  • Sticking with a default phone plan even when better options exist.
  • Staying at a job you dislike because switching feels risky.
  • Keeping the same investment portfolio for years without reviewing it.

How to counter it

  1. Schedule regular reviews of your major choices (annually or quarterly).
  2. Ask: "Would I actively choose this if I were starting over?"
  3. List the costs of staying the same alongside the costs of change.
  4. Try small, reversible changes to reduce the fear of switching.

Quick tips

  • Periodically review your defaults โ€” subscriptions, routines, beliefs.
  • Ask: 'Would I choose this if I were starting from scratch?'
  • Treat inaction as a decision, not a non-decision.
  • Set calendar reminders to review major life choices annually.

Sources and further reading