There’s a difference between the best plan in theory and the best plan you can actually follow. A “rational” plan that makes you panic at the wrong moment is inferior to a “reasonable” plan you can stick with.
This matters because finance is not a one-time exam. It’s a lifelong behavior pattern. The real threat is not missing an optimal return; it’s making a catastrophic decision when emotions spike.
Reasonable means you build around human limits: fear, impatience, envy, the urge to act. You accept that you are not a robot, and you stop designing your life as if you were.
A reasonable strategy often looks boring. It’s also resilient. It still works when you’re tired, when the news is loud, when your confidence is low, and when other people are getting rich faster than you.
Rational is a spreadsheet. Reasonable is survival.