Humans’ greatest survival adaptation could easily be considered their ability to plan for the distant future, while most other species on this Earth tend to live moment-to-moment or in the short term (with some notable exceptions such as rodents burying nuts).
This species adaptation has yielded multi-year, multi-decade and even multi-generational dividends for humanity, such as creating language and agriculture; livestock farming; home and community building; historical records; education; monetary value; business banking medicine technology – just to name a few! ; as well as leading to health and population boom for human species which had previously existed only as limited populations suffering diseases-ridden lives with short lifespans.
While living too far into the future or past may present its own set of difficulties, I don’t think many would willingly opt out.
Unfortunately, when it comes to money, many of us make errors that cost us.
Though our wealth levels have historically been high, personal savings rates have stagnated at 3-10% for 35 years despite historically high wealth levels. Meanwhile, home, auto, education and consumer debt (long-term financial adaptation in reverse) has reached record highs; median net worth and retirement savings stand far short of being viable investments.
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