Life is filled with trade off's. Navigating these in a clear and wise manner is more difficult than you realize. I think it comes down to having clarity about the long term and the short term transactions, and that requires a perspective of the bigger picture of our lives than we acquire easily.
The worst trade off I ever made was in Russia 20 years ago, and it taught me a very important lesson about this subject that has helped me many many times over the years.
We had been in-country only about three or four months, when we took a required trip down South. Upon our returm at nearly midnight, with three very small children, none of the transportation that we had acclimated to, trams, buses and the like, were availible. We were under the impression (perspective) that we were too poor to afford a taxi. I am not joking. I am completely serious. Our leaders, who had drilled this perspective into us, disappeared without a word when we returned, you guessed it right, in a taxi. We waited in the cold and dark in a dangerous part of the city for over an hour before we caught the last tram of the day. With three babies. In Russia! Not one of my brighter moments in life, that is for sure. And not a memory I like to revisit, but it has served a great purpose in my life.
Yet I see churches and businesses and people do this all the time, with equal or great potential consequences, because they don't have clarity, they don't have perspective, to choose the right trade off. Clarity or perspective is worth 80 IQ points in my opinion, at least, and Alan Kay said it and I am agreeing with him. It is the most valuable gift I can give my clients, it is the most valuable commodity you can seek. It is a gift that only gives the best returns. Make certain you are choosing the right trade off. And if in doubt, get some outside perspective.