The Lure and Danger of Unlimited Cash—Why Access to Big Resources Demands Bigger Discipline

When resources are scarce, people and organizations tend to be prudent and creative. But a sudden influx—whether a big investment, donation, or windfall—can flip discipline into excess. Teams that once watched every dollar start spending on splashy events, fancy perks, or pet projects only loosely tied to their main goals. At first, it feels exciting: possibilities expand, and ambitions run high. But soon, unintended consequences appear—a lack of focus, mounting obligations, even public skepticism or staff fatigue. In business and psychology, this is known as 'surplus bias'—the tendency to overspend or overcommit when constraints disappear.

History and behavioral economics show that constraints often encourage smart prioritization, while sudden abundance demands new structures to prevent drift. Organizational health is best maintained by rigorous, mission-centered discipline—even in times of plenty. Reviewing every commitment in light of core purpose, and installing delays before new spending, preserves energy for what matters most.

Write down all the different things you're spending money or resources on—don't leave out recurring costs or small perks. Go through each, asking what truly matches your mission or key needs. Before adding anything new—be it a project, purchase, or even celebration—take a pause, gather input, and honestly assess whether it serves your ultimate goals. This approach keeps your priorities clear and your future secure, no matter how big the budget. Set up your own review session this week.