Austria: 99.98%. Germany: 12%. Same people. One checkbox.

Two neighboring countries. Same culture, same language, same hospitals. In one, almost everyone is an organ donor. In the other, almost nobody. Nobody decided anything.

Austria: you're a donor unless you say no. 99.98%.

Germany: you're not a donor unless you say yes. 12%.

Johnson and Goldstein, Science, 2003.

People didn't choose. The form chose.

Same with pensions. Companies switched to automatic enrollment. Participation jumped from under half to over 80%. Same workers. Same salaries. New default.

Defaults run your life and you never see them.

You don't have a willpower problem.

You have a default problem.

The skill: list what happens if you do nothing.

Your savings. Your phone. Your mornings. Your subscriptions.

Whatever happens when you do nothing is your real decision. Somebody else made it.