The Daily Unlearner by Cammi Pham

The Daily Unlearner by Cammi Pham

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The Comfort Tax

We think safety is free. But what if it's actually the most expensive investment we're making?

Cammi Pham πŸ‹'s avatar
Cammi Pham πŸ‹
Jun 09, 2025
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Dear Unlearners,

Safety isn't free.

Each protective pattern you maintain comes with a price tag. And like all long-term debts, it compounds.

The emotional debt of staying quiet to avoid conflict?

It accrues interest in missed connections, lost opportunities, unspoken truths.

The social debt of keeping everyone at arm's length?

It compounds in lonely nights, shallow relationships, bridges never built.

The personal debt of playing small to stay safe?

The interest shows up as dreams deferred, talents hidden, stories untold.

We think we're being smart by sticking with what's comfortable. What's known. What's safe.

But comfort has a cost. And safety has a price. And both keep charging interest.

Every time you choose the familiar over the possible, you pay the tax. Every time you pick protection over potential, the debt grows. Every time you choose the old pattern over the new possibility, the interest compounds.

The bitter truth about comfort: The longer you stay, the more expensive it becomes. The…

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