"It’s not in our nature to make big changes in our lives when things are going well. Our brains are wired to naturally conserve energy, and without the shadow of stress or danger, we’re likely to stick with whatever’s working. In many ways, there’s nothing wrong with that. Why make the effort to fix what's not broken?

Sticking with what’s working happens to square with some of the most important wisdom on how to grow and remain wealthy: Take a long-run view."