Life Kit - How to make decisions you won't regret

Episode Date: June 2, 2025

Should you move across the country? Take that job? Have a baby? Life is full of big decisions and it can be easy to get stuck in the "what-ifs" of them. As a decision coach, Nell Wulfhart helps people address indecision head-on. In this episode, Wulfhart shares exercises to make speedier decisions, when to bring others in to your decision-making process for guidance and how to deal with post-decision regret.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

These days, there is a lot of news. It could be hard to keep up with what it means for you, your family, and your community. Consider This from NPR is a podcast that helps you make sense of the news. Six days a week, we bring you a deep dive on a story and provide the context, the backstory, and analysis you need to understand our rapidly changing world. Listen to the Consider This podcast from NPR. You're listening to Life Kit from NPR. Hey, it's Marielle. Normally my intros for episodes come together pretty quickly, but for some reason I got my head about this one. I was trying to drum up an

anecdote for you, a time I was struggling with a big decision. I was like, do I talk about health stuff? Nah, too personal for this one. What about a breakup? Yeah, let's not dredge all that up. What about my friend's breakup? I had someone in mind,

but they definitely listened to this podcast and they would know I was talking about them. So I went over to Tony Cavan's desk. He's the managing editor of standards and practices at NPR. Asked him to brainstorm with me. And he pointed out the obvious irony here. I can't make a decision about this episode, which is about decision making. See, sometimes you get stuck in your head, trapped between all the options, and you just need an outside perspective.

That's the job of people like Tony, editors, and people like Nell McShane Wolfheart. If you've ever agonized over a decision, maybe for days on end, you've gone back and forth a million times, looked at every possible angle, until you finally threw up your arms and yelled into the ether, somebody just decide for me. Nell is that person.

She's a professional decision coach and has been for more than a decade. Well, I invented the job actually. I've just always been the person that friends and family came to for very straightforward advice. And if someone, even a perfect stranger starts telling me about their problems, my brain just goes right to work figuring out what it is that they should do. And eventually my best friend said very kindly, stop telling me what to do.

Maybe other people want to hear this. And it turns out that she was right. Nell specializes in helping people make big, potentially future-shifting, fork-in-the-road decisions. I'd say there's about four main categories. A lot of career stuff, like should I take this job offer? A lot of location things, romantic relationships, should I break up with

this person? Very, very big topic of discussion around here. And should I have a kid? Nell is very clear about what she is not. As in, she is not a therapist or a behavioral scientist. So I only do one thing. I offer a single session in which I help somebody make a big or a small decision. She says an hour is usually all it takes to find an answer, no matter how big or complicated the decision may seem. I have found in general most people know, but they don't know that they know. You know, sometimes it just takes talking to a complete stranger or a third party or a coach to help pull them

out of it and get them on their way. On this episode of Life Kit, less debating, more decision making. Reporter Andy Tagel is going to talk with Nell about how to understand your personal relationship with risk taking, how to make speedier decisions, and how to deal with any post decision regret. I'm Tonya Mosley, co-host of Fresh Air. At a time of sound bites and short attention spans, our show is all about the deep dive. We do long-form interviews with people behind the best in film, books, TV, music, and journalism.

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Give politics a chance with the NPR Politics Podcast, available wherever you get your podcasts. You know, for me personally, I find I'm often plagued by indecision, even when the stakes politics podcast available wherever you get your podcasts. You know, for me personally, I find I'm often plagued by indecision, even when the stakes are virtually non-existent. You know, omelet or pancakes? Which podcast do I start on my run? A collared shirt or a plain tee? You know, what's going on there exactly now? Can you speak to the role of regret in our lives, whether it's real or imagined? Regret is so powerful. I mean, the decision-making business is really just the regret minimization business. You know, everyone is trying so hard to avoid that really, really uncomfortable feeling. And because my big thing is about getting people to make decisions faster, especially

omelet versus pancakes or whatever, something like that, you know, we just have to accept that yes, occasionally, we will regret our choice. And it's inevitable, but you are going to regret it so much more if you spend half an hour deciding on that particular breakfast, or if you spend a year trying to figure out if you should go to grad school, or three years deciding if you should get engaged. I've just found that people regret the time they have lost deciding so much more than the occasional decision that they made too hastily. So in general, I would say that we can eliminate a lot of regret by just moving faster. The pain of lost time hurts more than the pain of regret usually.

Yes, many, many more people regret taking too long to make a decision than making a decision too quickly. What if you feel the opposite? If you're going to a decision coach, then you're probably dealing with intense indecision. But if you feel like you jump too quickly to make a decision, how can you slow down? I often don't want to deal with the discomfort of not knowing. So making a decision in the short term feels good, but then I'll regret not thinking through it more. I would say that in general, I would not encourage people to decide more slowly. And I've found in general that the amount of time you spend making a decision

does not really correlate with the quality of the decision itself. You know, like after a certain amount of time, more thinking, more googling around for articles, more soliciting opinions from friends and family is not adding anything to the decision. Actually, it's just making the decision harder and it's making your life worse. And I often recommend that people who struggle with indecisiveness, you should take the amount of time that you think you need to make a decision and cut it in half. What Nell is describing here is the difference between two different poles of decision makers. Maximizers and satisfizers. These are the terms often used in psychology circles. If you're a

maximizer, you might be more likely to suffer indecision because you're the type that seeks the best possible outcome. Chase perfection. That's not a bad thing, but it often means spending a lot of time spinning your wheels, deliberating and considering every option. Research has shown that maximizers can and do make good choices. One study found they tend to land jobs

with higher starting salaries, for example. But maximizers were also found to be less satisfied in those roles. Higher rates of maximization were also found to be less satisfied in those roles. Higher rates of maximization have also been correlated to higher rates of regret and social comparison. Satisfizers, on the other hand, find contentment with the good enough option. Hence the contraction of the words satisfy and suffice.

They make decisions that meet their basic requirements, but without always considering all the information available. Which means they might sometimes be hasty and miss out on basic requirements, but without always considering all the information available, which means they might sometimes be hasty and miss out on better opportunities, but are also more likely to be happy with whatever choice they make. Nell's take, and takeaway one, is to aim for the best of both worlds.

Make smart decisions promptly, based only on the relevant data available to you, not what-ifs or a bunch of outside opinions. Then, to minimize regret, separate that choice from the outcome that follows. We are just taking our best possible guess at the time with the information that we have. Sometimes that thing is not going to work out. It turns out your new boss is a micromanager, or it turns out that your new apartment has rats. I mean, take your choice. And those things are things what it was impossible to know when you are making the decision

So I think people who feel less regret are people who are able to say okay I made the best decision I could with the information I had at the time and this outcome I couldn't know in advance Let's talk about then how to make good decisions quickly. Let's talk about what that process might look like with your clients Can you spell that out? I know the first step is understanding your values, right? Absolutely. These are two exercises I give every client. Anybody can do these at home

and just use them as like a shorthand for making your decisions. First is to make a list of your values, not moral values or corporate values, whatever they are, but just like the things that make your life good on a daily basis. So mine includes never setting an alarm clock, being able to wear sweatpants all the

time, being in warm weather, like these kinds of things. So you make the list of your values, try to put them in order of importance if possible. And then when you're making a decision, you can literally go down the list and see which one of your options checks more boxes on that list of values. That's often an easy way to figure out like, Oh, this decision is right for me. It's more in line with who I am. The second exercise is to imagine yourself in the future. Now I will say that everybody hates doing this exercise. Like they really struggle with it.

I also struggle with it. It, you know, humans are very bad at picturing what they want in their future. But I would say sketch out one year, ideal life, five years, ideal life, 10 years, ideal life. And then you can just take the options that you're deciding between and see like, okay, option A, can I draw a straight line from this option to the life that I want?

Or is it more of like a wavy line? Like, oh, well I could take this job and do that for a while and maybe that would get me into this company to the life that I want? to make this choice, I can get much closer to the future that I want. Just do that one. Could you give us an example of what that might look like? Sure. Yeah. I had a client maybe a year ago who, when I asked her to sketch out her future, in five years she wanted to have her own successful business. She wanted to be a business owner. Now, at the time she was employed, she was an employee, and the decision she was calling me about was that she'd had a job offer that was, you know, in employee, and the decision she was calling me about was that she'd had a job offer that was, you know, in her field and better paid and more prestigious,

should she take that job offer? Well, on paper, that seems like an easy decision, of course, like just take the job offer. But when we talked about in five years, she wanted to have a successful, thriving business of her own, a business that was so successful she could take time off to spend time with her kids when she wanted or to take long vacations. She didn't actually have time to leave her first job, go to the second job, get settled in, do well, save some money, and then start building up her own business. Five years is not that long. You know, we have less time than we think. So the second option was to not take the job offer and either quit her job and start her freelance business immediately or to stay in this job, which wasn't very demanding, and to start her business on the side and then get to that five year

point. But either way, the idea was to be able to draw a straight line from the choice she was making to the thing that she actually wanted. Takeaway two. When faced with a big decision, start by listing out the things in your life that you value most. In order of importance, if you can. Then think about future you. Where do you want to be one year, five years, ten years from now?

Nell says the most direct route to that ideal future you is likely the best choice. So really try to game that out. Like for that one client of hers. We decided that she should stay in her current job, which was like really undemanding, the sort of job where she could take like a long leisurely nap after lunch

to save money and start working very hard at building her own business in her free time. That to take that time that she would normally spend like having a post lunch nap or walking the dog or knocking off early. And while she was still making that salary to go all in on building her own business so that in five years,

she could actually have the thing that she wanted. Another thing that I really like is the idea that you can test things out. You don't just have to sit in the what if test things out You don't just have to sit in the in the what-if right? You don't just have to sit in the what might it be like? Can you can you speak a little to that? Yes, huge huge fan of testing things out and I feel like people can test out a lot more things than they think You know the way we make good decisions is just not by sitting at home and wondering if we're going to like something, right?

It is by trying the thing out, and then we have actual, like, tangible data that tells us whether or not we like something. So somebody wants to start a business. Great, you can spend six months thinking about the business you'll start and wondering if you're going to like it and hoping people are gonna pay you for it.

Or you can spend those six months testing the waters, starting it in a small way, and by the end of the six months, you will actually know if people will pay you for this thing that you want to sell, or if you like doing it, or if you like being an entrepreneur. So the same amount of time will have gone by,

but you have so much more information. You can make a real decision out of knowledge, just not out of guesswork. Takeaway three. If you're stuck between a rock and a hard knowledge, just not out of guesswork. Takeaway three. If you're stuck between a rock and a hard place, get creative with your problem solving. Don't just wonder, try the thing. Gather some data to help make your decision off of.

Give yourself a deadline so you don't endlessly feel around in the dark. And in that time, maybe try to look for new approaches. Nell says she's a big fan of third, fourth, and fifth options. It doesn't always have to come down to a simple this or that, yes or no. If somebody is wondering, like, okay, should I stay at my job or should I quit to stay home with my kids?

Okay. Have you asked if you can go part-time? Have you thought about maybe, you know, just doing some consulting gigs, like, independently and being able to still bring in some money and still have a flexible schedule? That's the most simple example, but I think there's a lot of other ways in which you can sort of dip a toe in or find a middle ground that really might suit you better. Can you talk about assessing risk, people's internal risk thermostat?

How does that come into play? So I coached a woman who was in her early 20s and she was thinking about dropping out of college. And on the surface, this seems like a really risky move. You know, she was almost finished. She was going to get this degree. Her mom really wanted her to stay in college. In fact, she was afraid to tell her mom that she was thinking about dropping out. And I could have spent the whole session telling her, well, you know, you're almost there. Keep going. Stay in college, et cetera, et cetera.

But after I talked to her for a while and I probed a little bit and I asked a bunch of questions, it was clear that she wasn't going to stay in college, that she had already somewhere inside made up her mind about this decision. And I found that in general, even when it comes to things that feel risky, people are going to do what they want to do. And my only job is to pull out of them the thing that they want and then to essentially write them a permission slip and tell them it's okay to do that thing.

Because most of the time, the thing that you want to do and the thing that you ought to do are the same thing. The thing that you want to do and the thing you ought to do are the same thing. Why is that? The thing that you ought to do is often the thing that is more exciting, that is more adventurous, that really serves your true self. And people want to do those things. It's inside them that they want to do it, but it can be layered over with, you know, other people's opinions and societal expectations and things like that. But I would say that in general, if you can figure out what it is that you want to do, 99% of the time, you're good to go.

Just go ahead and do that thing and it's going to work out better than if you force yourself to do something because other people tell you it's a good idea or they think it's too risky to do the thing you actually want or society kind of frowns on it. You know, you're not gonna be happy doing that. It's not gonna serve you or anybody else. So if you can figure out the thing that you want, I would say 99% of the time, go do that thing. It's the best decision.

Takeaway four, the definition of risk in any decision is often relative. Like, should you bet all your chips on that brilliant business idea? A married parent with two school-aged kids will surely have very different considerations than that of a retired widower living on a pension or a 20-something student intern subletting an apartment. Nell says, regardless of your personal logistics, it's important to be honest with yourself about the stakes of your decision.

You know, when I ask them to imagine the worst-case scenario if they take this new job, it's important to be honest with yourself about the stakes of your decision. You know, when I ask them to imagine the worst case scenario if they take this new job, it's really not, you know, they're going to be living in their car. They're going to end up in prison. The most likely worst case scenario is that they're going to end up in a job that they just don't like very much. And they're probably already in that scenario. You know, if they're interviewing for other jobs and they're taking offers, they're probably already in that scenario. You know, if they're interviewing for other jobs and they're taking offers,

they're probably already in a job that they are not that fond of. So what's the actual risk? And similarly, beware of the sunk cost fallacy. Nell says to remember that new or unfamiliar doesn't always equate to higher risk. People think all the time about sunk costs, right? The time they've already put into something, the money about sunk costs, right? The time they've already put into something, the money they've invested, the years of building the relationship or whatever.

And they spend almost no time thinking about the opportunity costs that they're missing out on by staying in a situation that's not really what they want. You're missing out on other wonderful opportunities, maybe job opportunities, maybe relationship opportunities. And you're missing out on that time that you could spend really living your life, enjoying yourself, doing the thing that you actually want. But people are very attached to their sunk costs. That's true. It can be hard to convince them to leave those behind.

Let's talk a little bit about other people making decisions on your own versus enlisting the advice of others is something I'm very, very guilty of, you know, is leaning on other people. When is that a good idea? Honestly, I think that everyone should talk to like three to five people when they're making a big decision and that's it. By the time someone comes to me, sometimes they've talked to like 10 different people or 20 different people. Their best friends are sick of hearing them talk's it. By the time someone comes to me, sometimes they've talked to like 10 different people or 20 different people.

Their best friends are sick of hearing them talk about it. They're sick of talking about the decision themselves. And it's just really muddying the waters. They're not taking in any new information. It's just other people's opinion. It's not really effective. It's not helping you make the decision. And it bores people to listen to at a certain point. Three to five max. You're just spinning your wheels after that. 100%. Yeah.

Are there best and worst people to talk to? You really have to know your audience. So, you know, I've talked to a lot of people who are making decisions that they're maybe more traditional or conservative parents would disagree with. Okay. So if you know that you are talking to somebody whose values are different from yours, or they don't really respect the way you live your life, or they always have negative things to say about your choices,

do not talk to those people while you are deciding. In that case, make the decision and then tell them that's what you've decided to do. Don't say like, I'm thinking about, you know, moving to Canada, just, you know, decide to move to Canada, buy a plane ticket, and then inform them you'll be moving to Canada. So you really have to think about your past history with everyone that you've talked to and think like, okay, does this person support me and give good advice? And do I usually agree with how the choices they've made to live their life?

Or is this person negative about all my choices? Just pay a little attention to your past history with these people before you decide to talk to them about a decision. Finally, take away five. You don't need the opinion or approval of everyone in your contact list to make a big decision. If you need to talk it out, seek the advice of a few of your most trusted objective advice givers. Or maybe even seek out a third party, like a coach, counselor, or therapist. And if you've done all of these things and you

still feel unsure, or maybe if you made a choice but now you feel some regret, Nell's got one last bit of advice for you. I was coaching somebody who was thinking about having a kid, right? She didn't have any kids, it was a big decision she was making. And she said to me, well, I know that I'll regret it either way. And I thought this was like really great. This is almost a revelation.

When it comes to making a big decision, you are going to regret it either way. There's going to be a small amount of regret no matter what it is that you decide to do. But if you can accept the idea that there'll be regret either way, and accept that this is kind of a liberating idea, you know, it sounds bad, it sounds depressing.

Like, again, we're trying to avoid regret at all costs. But if we know that there's going to be some regret either way, I think it frees us up to make bigger and more adventurous decisions. If you're going to feel bad whether you do the exciting thing or the careful thing, you might as well do the exciting thing and see what happens. Now, McShane Wolfheart, thanks so much. Thanks so much for having me.

Okay, let's recap. Takeaway one, don't spend longer than you need to thinking about big decisions. Aim to make smart decisions promptly by using only the relevant data available to you. Not what ifs or a bunch of outside opinions. Once you've made your choice, separate it from the outcome that follows. The decision is within your control.

The outcome, not always. Takeaway two, when faced with a big decision, start by assessing your values and your future plans. What's most important to you right now and in the future? The choice that helps you draw the straightest line from who you are now to who you wanna be is likely the right decision. Takeaway three, get creative with your problem solving.

Don't just wonder, try the thing. Gather some data to help make your decision off of. Takeaway four, the definition of risk in any decision is often relative. Regardless of your personal logistics, it's important to be honest with yourself about the stakes of your decision. And finally, takeaway five. You don't need the opinion or approval of everyone in your contact list to make a big decision. And remember, if you're stuck between two hard choices, that's probably because there's both good and bad on both sides. That was LifeKit reporter, Andi Tegel.

For more LifeKit, check out our other episodes. We have one on packing for a trip and another on how to move more. You can find those at npr.org slash lifekit. And if you love LifeKit and want even more, subscribe to our newsletter, why don't you, at npr.org slash LifeKit newsletter. Also, we love hearing from you, so if you have episode ideas or feedback you want to share, email us at lifekit at npr.org. This episode of LifeKit was produced by Claire Marie Schneider.

Our visuals editor is Beck Harlan, and our digital editor is Malika Garib. Megan Cain is our senior supervising editor. Beth Donovan is our executive producer. Our production team also includes Margaret Serino and Sylvie Douglas. Engineering support comes from Quacey Lee and David Greenberg. I'm Mariel Segarra. Thanks for listening. President Donald Trump is testing the power of the presidency in ways that are stressing global financial markets, federal courts, and changing the United States relationship

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