The Mindset Trap. It is not impossible to escape
If risk is the precursor to learning and courage is the precursor of risk. My belief is (after a few financial classes) intellect is the precursor to courage. I have learned to manage risk in some simple mathematical ways. Perhaps the bottom line in today's thinking is that if you do not embrace your intellect and weigh it against your emotion (AKA: your current thinking) you have decided to stay where you are.