I am a big fan of "systems"—that is, behaviors that help me be who I want to be. For example, writing all tasks in my Palm for later retrieval is a simple way to improve my memory—instead of having to remember all the actions I must complete, I must remember only to write down everything I need to do when I learn about it. Simple!
Automatic savings plans are similar. The idea is that if you automatically have part of your paycheck moved to savings before you even see it, you won't have to make that decision again and again.
Anyway, the point of all this is that I have heard complaints about such systems, stating that a system is fundamentally flawed because it treats a person like two different people: the planner (who is really smart) and the doer (who is really dumb). That is, the planner lays down the law, which the doer is expected to follow. The argument states, But it's the same person!
I think an example from computer interface design is illustrative here. One of the handy rules of thumb for designing software is to make it easy enough that an idiot could use it. Do software designers think that all their users are idiots? Of course not. But good designers know one fact: when you're using software, you're using it for something else. That is, when you're using Photoshop, you're not just using Photoshop—you're designing website graphics, or you're repairing old photographs. Good design ("so easy an idiot could use it") lets the product get out of the way, so everyone (even smart people) can get along with whatever task they really want to get done.
This is the way systems are to me. Yes, I am smart enough to save a little money each month. Yes, I can troll through my memory and recall every task I have pending. But I'm trying to live my life. I'm trying to solve problems. And frankly, I don't want to spare the energy necessary for the menial tasks I can take care of with a simple system.
So when I need to remember to take some forms to work in the morning, you bet I am going to put it right in front of the door. Tomorrow, I will be just as smart, but I know right now that I will be in a hurry and not thinking about it.
Admitting that makes both me and my future self smarter.
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