I Love Mortgage Brokering

What if the biggest threat to your long-term success is the way you’re prioritizing today? In this episode, I break down a powerful mental trap called hyperbolic discounting— a hidden habit where we consistently choose short-term rewards over long-term gains. From skipping important business projects to clients picking bad mortgage terms for a lower rate today, this bias shows up everywhere. I’ll share what it is, how to spot it, and what I personally do to protect future Scott from present Scott’s worst instincts. What We Cover: Why We Set Big Goals and Still Procrastinate – How your brain tricks you into short-term decisions that hurt your future. Mortgage Clients Do This Too – The psychology behind picking a bad mortgage to save a few bucks now. The Homer Simpson Problem – Why "future you" keeps getting stuck cleaning up "current you’s" mess. My 23-Year Vision Trick – How visualizing my 70-year-old self helps me stay focused today. How to Override the Bias – A simple morning routine that changed how I wor