Humans’ greatest survival adaptation may well be our capacity for long-term planning, unlike most forms of life on Earth that live moment-by-moment or in the short term (with some notable exceptions like rodents burying nuts).
This species adaptation has yielded multi-year, multi-decade, and even multi-generational dividends for humans. This species adaptation led to language creation; agriculture; livestock farming; home and community building; historical records; education; monetary value creation; business; banking services; medicine advancement; technology advancement – almost everything we enjoy today as civilization! Additionally, this adaptation led to health improvements, population booms, technological breakthroughs; medicine advancement; medicine progress as well as population booms for humanity that had been previously limited, insignificant diseased existences with limited life spans due to limited population numbers before these species adaptations took hold – providing us all these fruits of civilization!
While living too far into the future (or past) may present its own set of downsides, I don’t think many would want to give up this way of living.
Unfortunately, when it comes to our finances, many of us make mistakes regardless of our awareness.
While our wealth levels have seen historically high levels, personal savings rates have dropped and remain between 3-10% since 1977. At the same time, home, auto, education, and consumer debt (long-term financial adaptation in reverse) has reached record levels while median net worths and retirement savings remain far short of being viable assets.
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