'The End of History Illusion' is a psychological term that perfectly encapsulates our tendency to underestimate how much we will change in the future, despite recognizing how much we've changed in the past. We look back at the last decade and marvel at our evolution, yet somehow, we imagine our future selves as nearly static.

This illusion is a trap, one that can lead to rigid financial planning that fails to accommodate our inevitable growth and change.

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