Why are financial decisions so difficult? Not just the ones related to investing and trading but the ones that spill over into every day life. Obviously, the stakes are high because money is involved. We’ve heard ad nauseum about how behaviorally we’re not wired to make great financial choices. Paradox of choice, and all that. So what do we do about it? Some people concoct complex analytical ways of determining how to optimize outcomes in every situation. That’s fine for some things. You can also get similar results by adopting a simple rule. Don’t fight simplicity.