The Urinalysis of Borrowing Money: Empty Bladder, Lighter Wallet?

Many 18th c. treatments for psychological dist...

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Should you pee or not pee before deciding to borrow money?  The Telegraph posted an article about the brain function that controls impulse decisions. Turns out this is the same center that allows us to hold out for a bathroom break later instead of the immediate reward of peeing in our pants.  In fact all of your impulse decisions are put on hold when you have a full bladder.

Psychologists from the University of Twente in the Netherlands published their findings in the journal Psychological Science.  Just thinking about urination had the same effect on controlling impulse decisions.

O.K. borrowers, be strategic:

  • Don’t go to the bathroom until you finish your strategic business borrowing plan.  This may help control the impulse to follow financial rabbit trails during the planning process.
  • Drink a bottle of water about 40 minutes before meeting with your loan officer since this is the average time it takes to reach your bladder.  Then negotiate the best possible loan for a financial payoff later and avoid the classic borrowing mistakes.
  • If your lender has added luxury upgrades to their bathrooms with a live attendant and hides the complimentary water, find a different lender.  You may make a better, impulse controlled borrowing decision somewhere else.

What do you think business borrowers?  Does my argument hold water?


About Michael Shelton

Your Business Coach Facilitating Delegation and Work Group Engagement Michael Shelton has over twenty-five years of business and military accomplishments, including extensive experience with one of the largest, publicly traded real estate investment trusts (REIT). He is a qualified business coach with assignments in cross-functional work group management, strategic planning, unit leadership, joint venture acquisitions, executive education, mentoring, training and merger integration. Michael has accumulated best practices for building committed work groups from more than $4 billion of capital markets transactions and commercial property development. He served as a commissioned officer and helicopter pilot in the U.S. Army, and earned his MBA from The University of Arizona. Michael has served as a major conference panelist and is the author of Cash Flow Rich, Winning Ways to Evaluate and Finance Real Estate. Today, he helps business owners get more work group engagement as President and CEO of Shelton Business Services, LLC in Scottsdale, Arizona. Disclaimer: I don't offer investment, legal or tax advice. Talk to your broker, accountant or lawyer for investment, tax and legal help. I might own stock in the companies I mention on-line. My posts, tweets and other on-line activity are my personal thoughts and don't represent my employer or company.
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