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The book Thinking, Fast and Slow by Daniel Kahneman echos your net negative sentiment. We have problems with loss aversion and trouble acting on probability because of it. +1 and -1 = zero, but emotionally, we need more like +1.5 and -1 to feel like zero. One solution he puts forward is...

Val, I appreciate the guidance and insights you are providing. Have been following your journal for a while. Just signed up for an account so I could say thanks! I have Bensdorp's book and will be looking into the others!