Why one must not be dangerously efficient with their personal finances: Little bit of slacking can go a long way

The other day, one of my favourite bloggers, Shane Parrish, who writes the Farnam Street blog, wrote a post titled, Efficiency is the Enemy. The title sounds like heresy but the argument makes sense. Being efficient sounds great but means that you have no room for error and are always just this short of being stretched beyond limits. Early during the pandemic, when the resumption of significant businesses activity was still under a cloud, I