Sesimpel Ini Paham Sunk Cost Fallacy

Sunk cost fallacy berakar pada teori ekonomi, tetapi dapat diterapkan pada banyak aspek perilaku manusia.

Apa Itu Sunk Cost Fallacy?

Secara sederhana, suatu kondisi yang menunjukkan bahwa kita terlalu menekankan semua hal yang telah kita investasikan dalam sesuatu, (waktu, uang, keterlibatan emosional, dan lainnya).

 Sayangnya, kita malah membiarkan persepsi tentang ‘Investasi  yang Hangus’ itu sebagai panduan untuk pengambilan keputusan di masa depan.

Contoh :

  • Kita tetap duduk menonton film dan memakan popcorn meski kita tidak menyukai film dan popcornnya karena sudah terlanjur mengeluarkan uang untuk membayar tiketnya + mengantri lama untuk mendapatkannya.
  • Kita rasanya lebih sulit untuk meninggalkan hubungan yang tidak sehat setelah lima tahun di bandingkan dengan hubungan yang baru terjalin selama lima bulan. Apalagi kalau sudah sampai habiskan banyak waktu, uang, emosi, dan lain sebagainya.

Sama halnya seperti uang, waktu, energi, dan ruang merupakan sumber daya yang berharga dan terbatas  yang tentu kita akan berusaha untuk di jaga dan di pertahankan. 

Namun terkadang, kita justru akhirnya kehilangan lebih banyak lagi karena berusaha mempertahankannya karena khawatir ‘menyia-nyiakan’ semua hal yang berharga yang sudah di lalui.

Layaknya toxic relationship, sunk cost fallacy terjadi pada keuangan seseorang ketika ia memutuskan untuk melanjutkan suatu kegiatan meskipun tau akan merugi karena merasa telah terlanjur menginvestasikan banyak hal di masa lalu, mulai tenaga, waktu, sampai uang.

2 Hal untuk Menghindari Sunk Cost Fallacy

Ada beberapa cara yang bisa kita lakukan nih untuk bisa terhindari dari Sunk Cost Fallacy. Apa sajakah yang harus di perhatikan?

1. Terapkan Mindset “Yang Terjadi di Masa Lalu Nggak Akan Bisa Kembali”

Untuk menghindari pengulangan sunk cost fallacy, cobalah untuk nggak terlalu menganggap biaya yang di keluarkan di masa lalu. Anggap aja pengeluaran tersebut udah nggak bisa kembali, layaknya kamu lagi belanja dengan sistem no refund policy.

2. Hitung Total Kerugian Tambahan

Kalau kamu masih merasa boncos, coba hitung kembali deh total kerugian tambahan yang bakal kamu terima kalau kekeuh melakukan aktivitas tersebut

 Dengan begini, kamu akan tahu berapa banyak cost yang akan kamu keluarkan ketika kamu memilih melakukannya.

Lalu, tanyakan ke diri kamu, apakah keuntungan yang kamu dapat dengan melanjutkan aktivitas itu sepadan?

Cara Mengurangi Dampak Sunk Cost 

Meski demikian, ada beberapa upaya dapat kita usahakan untuk mengurangi dampak sunk cost, di antaranya:

  • Miliki Sebanyak Mungkin Pilihan Rencana
  • Analisa Potensi dan Risiko dari Tiap Rencana
  • Pastikan Seluruh Tim atau Anggota Keluarga Terlibat Tahu Risiko dan Peluang Rencana
  • Latih Kemampuan Tim dan individu dalam Meminimalisasi Risiko

Jika Anda tidak berani berinvestasi ilmu dan keahlian pada individu karyawan, maka Anda akan terjebak dalam sunk cost fallacy.

Sebab, biaya pelatihan sekali seumur hidup tidak sebanding dengan biaya jangka panjang yang mungkin di keluarkan.

Sunk cost fallacy membuktikan bahwa untuk mengatur keuangan nggak hanya di perlukan pemikiran yang matang, namun juga kekuatan mental dan kemampuan mengendalikan kontrol diri.

Nah, salah satu cara untuk mengontrol diri agar keuangan nggak boncos adalah dengan melakukan budgeting pada setiap pengeluaran yang kamu habiskan.

Semoga bermanfaat ya.

Jangan lupa Give Applause, Komentar kalau masih ada yang bingung, dan Share ke teman terdekatmu. Follow juga IG @davidwijaya23 untuk informasi seputar keuangan, kesehatan, dan buku yaaa!

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