37% Rule

37% Rule sounds like something a clerk would stamp on a file. In truth it is a small instrument for thinking clearly.

The number is a fence. On one side lies intention, on the other side lies habit. Most of us live on the wrong side and write poetry about it. This rule simply asks you to climb the fence.

The idea is simple, and like most simple ideas it is easy to nod at and hard to use. The nod is free. The use costs attention, every day, in small change.

Consider the farmer. He does not argue with the season; he arranges his work inside it. The city man does the opposite — he argues with every Monday and is surprised every Friday.

Time is the one currency the Reserve Bank does not print more of. Keep the name. Use the pause it gives you. That is the entire homework.