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How to Make Better Decisions: 10 Cognitive Biases and How to Outsmart Them
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00:00
What Are Cognitive Biases?
什麼是認知偏誤?
00:02
A cognitive bias is a systematic error in thinking.
認知偏誤是一種思考上的系統性錯誤。
00:05
It also works as a mental shortcut to making decisions or judgements.
它也是一種用於做決策或判斷的心理捷徑。
00:10
Everyone is susceptible to cognitive bias, no matter their age, gender, or cultural background.
每個人都容易受到認知偏誤的影響,無論年齡、性別或文化背景為何。
00:15
Why do cognitive biases exist?
為什麼會存在認知偏誤?
00:18
Our brains need to take in an incredible amount of information but it also wants to save as much thinking energy as possible.
我們的大腦需要接收大量的資訊,但也希望能盡可能節省思考能量。
00:26
So, it relies on generalities or rules of thumb (also called heuristics) to help it make hard decisions fast.
因此,它依賴概括性的概念或經驗法則(也稱為啟發法)來幫助自己快速做出困難的決定。
00:34
You can think of a cognitive bias as an information filter, through which objective information flows and is transformed as it passes through.
你可以把認知偏誤想像成一個資訊過濾器,客觀的資訊流經其中,在通過時被轉化。
00:42
Like coffee grounds and water changing into coffee — it’s the same ingredients but a slightly different experience once it’s transformed.
就像咖啡渣和水變成咖啡一樣——成分相同,但轉化後的體驗略有不同。
00:50
We usually rely on cognitive biases when we’re emotional, rushed to decide, or feel social pressure to make a choice.
當我們情緒化、匆忙做決定,或感受到做出選擇的社會壓力時,通常會依賴認知偏誤。
00:57
However, everyday thinking and decision-making are subject to cognitive biases as well.
然而,日常的思考和決策同樣會受到認知偏誤的影響。
01:02
In this video, I’ve outlined ten common cognitive biases and ways to avoid them in your everyday thinking.
在這支影片中,我概述了十種常見的認知偏誤,以及在日常思考中避免它們的方法。
01:09
1.
1.
01:10
Self-Serving Bias This is the tendency for people to protect their ego and self-esteem.
自利性偏誤 這是人們為了保護自我與自尊而產生的傾向。
01:16
It often takes the form of “cherry-picking” feedback to support your high opinion of yourself or overlooking your own faults and failures.
它通常表現為「選擇性」接收回饋,以支持你對自己的高度評價,或是忽略自己的缺點和失敗。
01:24
You might be dismissing good feedback because you don’t want to bruise your ego.
你可能會拒絕接受好的回饋,因為你不想打擊自己的自尊心。
01:29
TO AVOID THIS BIAS, ASK YOURSELF: “Have I been given a piece of feedback repeatedly, that I’m ignoring because I believe it doesn’t apply to me?” 2.
為了避免這種偏誤,問問自己:「是否有某個回饋我反覆聽到,但我卻因為認為它不適用於我而忽略?」2.
01:38
FOMO (Fear of Missing Out) This is a form of social anxiety that makes people scared they’re being left out of exciting or interesting events.
FOMO(錯失恐懼症) 這是一種社交焦慮,會讓人們害怕自己被排除在刺激或有趣的活動之外。
01:49
It can be triggered by posts on social media, where it looks like everyone is having fun without you.
社交媒體上的貼文可能會引發這種感覺,看起來就像大家都在沒有你的情況下玩得很開心。
01:54
TO AVOID THIS BIAS, ASK YOURSELF: “Do I feel left out of an invisible ‘in-crowd’?
為了避免這種偏誤,問問自己:「我是否感覺自己被排除在某個隱形的『圈子』之外?」
02:00
Am I doing something because I want to, or because I’ll feel left out if I don’t?
我做這件事是因為我想做,還是因為如果我不做會覺得被排擠?
02:05
3.
3.
02:06
Gambler’s Fallacy This principle describes peoples’ tendency to think a random event is less likely to happen in the future if it’s happened in the past.
賭徒謬誤 這個原則描述了人們的一種傾向,認為如果某個隨機事件在過去已經發生,那麼它在未來發生的可能性就會降低。
02:14
For example, if I flip a coin that lands on heads 100 times in a row, most people assume it will land on tails next.
舉例來說,如果我拋一枚硬幣,連續 100 次都是正面,大多數人會假設下一次會是反面。
02:22
But actually, each new flip is independent of what’s happened in the past.
但實際上,每一次新的拋擲都與過去的結果相互獨立。
02:27
TO AVOID THIS BIAS, ASK YOURSELF: “Is this event dependent or independent from past outcomes?
為避免這種偏誤,請問自己:「這個事件是否依賴於過去的結果?」
02:34
In other words, am I judging a random event by unrelated historical events?
換句話說,我是否正用無關的歷史事件來評斷一個隨機事件?
02:39
If I didn’t know anything about past performance, would I still make the same choice?” 4.
如果我對過去的表現一無所知,我還會做出同樣的選擇嗎?」 4.
02:45
Actor-Observer Bias This is the tendency for people to attribute their own failures to external reasons, and others failures to internal causes.
行動者—觀察者偏誤
02:54
For example, when you’re late, it’s because there was too much traffic.
舉例來說,當你遲到時,是因為交通太壅塞。
02:58
But you assume that Jane was late because she is disorganized.
但你卻假設珍遲到是因為她沒有條理。
03:00
TO AVOID THIS BIAS, ASK YOURSELF: “Am I making assumptions about other peoples’ failings?
為避免這種偏誤,請問自己:「我是否對他人的失敗妄下斷語?
03:07
Have I let myself off the hook for bad behavior one too many times, while being tough on your colleagues, friends, or family members’ failings?” 5.
我是否常常原諒自己的不良行為,卻對同事、朋友或家人的失敗嚴格以待?」 5.
03:17
Narrative Bias This describes peoples’ tendency to make sense of the world through stories.
敘事偏誤 這描述了人們傾向於透過故事來理解世界的特性。
03:23
Our brains have to process a lot of information, so it creates a story to link different items.
我們的大腦必須處理大量資訊,因此會創造一個故事來連結不同的項目。
03:29
It also ignores facts that don’t fit the narrative.
它也會忽略不符合這個故事的事實。
03:32
TO AVOID THIS BIAS, ASK YOURSELF: “What story am I telling myself about this choice, event, or product?
為避免這種偏誤,請問自己:「我正在告訴自己一個什麼樣的故事,關於這個選擇、事件或產品?
03:40
Have I ignored anything that might disprove this mental story?
我是否忽略了任何可能推翻這個心理故事的事實?
03:44
What happens if I turn this story on its head?” 6.
如果我把這個故事完全反轉,會發生什麼事?」 6.
03:48
Survivorship Bias This describes the mental error of only concentrating on the projects or people that have been successful, and overlooking those that failed when analyzing what made something a success.
倖存者偏差 這是一種認知上的謬誤,指在分析成功原因時,只關注那些成功的計畫或人物,卻忽略了那些失敗的案例。
03:59
A famous example of Survivorship Bias in action comes from military history.
一個倖存者偏差在現實中運作的著名例子
04:05
During World War II, statistician Abraham Wald was working for the U.S.
二次世界大戰期間,統計學家亞伯拉罕·華德
04:09
military to try and figure out where planes should have their armor reinforced, in order to avoid getting shot down.
軍方試圖找出戰機的哪些部位應該
04:15
The military’s initial efforts weren’t as successful as they’d like, and Wald knew why.
軍方最初的努力並未
04:21
The military had decided to only reinforce those areas where planes had been shot.
軍方當時決定只強化
04:26
But the problem was, they were only seeing planes that had returned.
但問題在於,他們只看得到
04:29
In other words, where these planes had been hit was survivorable damage, because they’d flown home.
換句話說,這些戰機被擊中的部位
04:35
The planes who’d crashed hadn’t returned and therefore hadn’t brought back data about the places where the damage proved fatal.
墜毀的戰機並未返航,
04:42
Wald proposed that the military reinforce the areas where the surviving planes had not been shot, as those were the places where downed planes had been damaged.
華德建議軍方應加強那些倖存戰機未被擊中的部位,因為這些地方正是墜毀戰機曾受損的區域。
04:52
Wald’s brilliant observation was correct, and saved many planes from a crash landing.
華德的精闢觀察是正確的,
04:57
TO AVOID THIS BIAS, ASK YOURSELF: “When I look back to see what’s gone right, have I also looked at what’s gone wrong?
為了避免這種偏差,請問自己:「當我回顧
05:05
Am I accounting for the features, tendencies or characteristics of failure as well as success?
我是否同時納入了失敗與成功
05:10
What features or choices do success and failure have in common?” 7.
成功與失敗有哪些特徵或選擇是共通的?
05:15
Anchoring This is the tendency for people to use the first piece of information they see to judge the following information.
錨定效應 這是指人們傾向於利用他們最先看到的資訊,來判斷後續接收的資訊。
05:22
For instance, if you see two bottles of wine — the first one you see costs $2000 and the second costs $200 — you’re less likely to think of the second bottle as expensive
例如,如果你看到兩瓶葡萄酒——第一瓶要價兩千元,第二瓶只要兩百元——你就不太可能認為第二瓶酒很貴。
05:33
because you anchored to $2000 as the cost of a bottle of wine.
因為你以2000美元作為
05:38
TO AVOID THIS BIAS, ASK YOURSELF: “In what context did I see this product and its price?
為了避免這種偏差,請問自己:「我是在什麼
05:44
Is the company making an effort to anchor me against something more expensive, to cloud my judgment?” 8.
這家公司是不是在刻意用更貴的東西來對我進行錨定,藉此混淆我的判斷?
05:50
Halo Effect This is the tendency for people to let one positive trait guide their total opinion of a person, product, or experience.
光環效應 這是指人們容易因為某個單一正面特質,而影響對某個人、產品或體驗的整體評價。
05:59
For example, people consider good-looking individuals more intelligent, more successful, and more popular.
例如,人們認為長得好看的人
06:06
TO AVOID THIS BIAS, ASK YOURSELF: “What do I really like about this?” then imagine it without that trait.
為避免這種偏誤,請問自己:「我真正喜歡這個的什麼?」然後想像它沒有那個特質。
06:13
Do you feel the same way?
你的感覺還是一樣嗎?
06:14
Interrogate your feelings about this product, person, or experience.
檢視你對這個產品、人或體驗的感受。
06:19
9.
9.
06:20
Hyperbolic Discounting This is the tendency for people to value immediate rewards like sleeping in, over long-term rewards like being fit.
雙曲貼現 這是指人們傾向於重視像睡過頭這樣的立即獎勵,而非像保持健康這樣的長期獎勵。
06:29
This means people have to outwit their own psychology in order to get in a workout or achieve other goals.
這意味著人們必須智勝自己的心理,才能去運動或達成其他目標。
06:35
TO AVOID THIS BIAS, ASK YOURSELF: “What tends to win in my mind — the here and now or the long term benefits?
為避免這種偏誤,請問自己:「在我心中通常是什麼贏了——是此時此刻,還是長期的好處?」
06:43
Which is more important to me in the long run — comfort or this goal?” Here’s a hint: Picture yourself in 10 years — are you better off for having prioritized the bigger picture?
從長遠來看,對我而言什麼更重要——舒適感還是這個目標?」這裡有個提示:想像十年後的自己——如果你優先考慮大局,是否會過得更好?
06:53
10.
10.
06:54
Planning Fallacy This is the tendency for people to underestimate how much time it will take to complete a future task.
規劃謬誤 這是指人們傾向於低估未來任務所需完成時間的現象。
07:02
In other words, people aren’t realistic about their timelines.
換句話說,人們對自己的時間規劃不切實際。
07:06
TO AVOID THIS BIAS, ASK YOURSELF: “How much time did this project take last time?
為避免這種偏誤,請問自己:「上次這個計畫花了多少時間?」
07:11
Have I accounted for delays and setbacks that I can’t yet anticipate?” An interesting feature of cognitive biases is that even if you’re aware of them, you
「我是否已將無法預見的延遲和挫折納入考量?」認知偏誤的一個有趣特點是,即使你意識到它們,
07:24
still have to stay attentive to what biases might be driving your thinking.
你仍必須留意哪些偏誤可能正在影響你的思維。
07:28
You can also follow a process like this one to help keep yourself vigilant: First, be aware of the common cognitive biases that exist (you’ve started that process with this video).
你也可以遵循這樣的流程來保持警覺:首先,意識到存在的常見認知偏誤(你已經透過這個影片開始這個過程了)。
07:40
Second, be attentive.
第二,保持專注。
07:42
Pay attention and actively work to combat cognitive biases in your decision-making process.
注意並積極在決策過程中對抗認知偏誤。
07:47
Last, question yourself.
最後,質疑自己。
07:50
The “ask yourself” considerations in this video are a good place to start, but make sure you have a process in place to de-bias your thinking when making decisions.
本影片中的「問自己」考量是很好的起點,但請確保你在做決策時,有一套流程來消除思維中的偏誤。

How to Make Better Decisions: 10 Cognitive Biases and How to Outsmart Them

📝 影片摘要

本單元深入解析「認知偏誤」如何影響我們的決策。認知偏誤是大腦為了節省能量而產生的系統性思考捷徑,雖然能快速判斷,卻常導致錯誤。影片介紹了十種常見的偏誤,包括自利性偏誤、FOMO(錯失恐懼症)、賭徒謬誤、行動者—觀察者偏誤、敘事偏誤、倖存者偏差、錨定效應、光環效應、雙曲貼現及規劃謬誤。透過自我提問與保持警覺,我們可以學習辨識並克服這些思維陷阱,從而做出更客觀、明智的財經與生活決策。

📌 重點整理

  • 定義:認知偏誤是大腦節省能量的思考捷徑,但也容易造成系統性錯誤。
  • 自利性偏誤:保護自我形象,傾向忽略缺點或只接受符合自我認知的回饋。
  • FOMO:社交焦慮驅使,因害怕被排擠而做出非理性的跟風行為。
  • 賭徒謬誤:誤以為隨機事件的過去結果會影響未來機率(如拋硬幣)。
  • 行動者—觀察者偏誤:將自己的失敗歸因於外在環境,卻將他人的失敗歸因於個人特質。
  • 倖存者偏差:只分析成功的案例而忽略失敗的案例,導致對成功原因的誤判(如二戰戰機修復案例)。
  • 錨定效應:過度依賴第一眼看到的資訊(如定價)作為後續判斷的基準。
  • 雙曲貼現:偏好立即的滿足(如睡懶覺),而忽略長期的益處(如健康),需靠自律克服。
📖 專有名詞百科 |點擊詞彙查看維基百科解釋
認知的
cognitive
易受影響的
susceptible
啟發法
heuristics
過濾器
filter
自我
ego
焦慮
anxiety
獨立的
independent
外在的
external
敘述
narrative
加強
reinforce

🔍 自訂查詢

📚 共 10 個重點單字
cognitive /ˈkɒɡnətɪv/ adjective
of or relating to the mental processes of perception, memory, judgment, and reasoning.
認知的;認識的
📝 例句
"A cognitive bias is a systematic error in thinking."
認知偏誤是一種思考上的系統性錯誤。
✨ 延伸例句
"Mental exercises can help improve cognitive function."
心智練習有助於改善認知功能。
susceptible /səˈseptəbl/ adjective
likely or liable to be influenced or harmed by a particular thing.
易受影響的;易受傷害的
📝 例句
"Everyone is susceptible to cognitive bias, no matter their age or gender."
每個人都容易受到認知偏誤的影響,無論年齡或性別為何。
✨ 延伸例句
"He is susceptible to flattery."
他容易受奉承影響。
heuristics /hjʊˈrɪstɪks/ noun
experience-based techniques for problem solving, learning, and discovery.
啟發法;經驗法則
📝 例句
"It relies on generalities or rules of thumb (also called heuristics) to make hard decisions fast."
它依賴概括性的概念或經驗法則(也稱為啟發法)來快速做出困難的決定。
✨ 延伸例句
"Using heuristics can speed up the decision-making process."
使用啟發法可以加快決策過程。
filter /ˈfɪltər/ noun/verb
a device or process that removes unwanted elements from a substance or passage.
過濾器;過濾
📝 例句
"You can think of a cognitive bias as an information filter."
你可以把認知偏誤想像成一個資訊過濾器。
✨ 延伸例句
"Water filters remove impurities from drinking water."
濾水器能去除飲用水中的雜質。
ego /ˈiːɡəʊ/ noun
a person's sense of self-esteem or self-importance.
自我;自尊心
📝 例句
"This is the tendency for people to protect their ego and self-esteem."
這是人們為了保護自我與自尊而產生的傾向。
✨ 延伸例句
"His criticism bruised her ego."
他的批評傷害了她的自尊心。
anxiety /æŋˈzaɪəti/ noun
a feeling of worry, nervousness, or unease about something with an uncertain outcome.
焦慮;擔心
📝 例句
"This is a form of social anxiety that makes people scared they're being left out."
這是一種社交焦慮,會讓人們害怕自己被排除在外。
✨ 延伸例句
"Financial anxiety is common during economic downturns."
經濟焦慮在經濟衰退期間很常見。
independent /ˌɪndɪˈpendənt/ adjective
not depending on another for livelihood or support; not connected with another.
獨立的;不相關的
📝 例句
"Each new flip is independent of what's happened in the past."
每一次新的拋擲都與過去的結果相互獨立。
✨ 延伸例句
"The two events are statistically independent."
這兩個事件在統計上是獨立的。
external /ɪkˈstɜːrnl/ adjective
coming from or relating to outside a person or thing.
外在的;外來的
📝 例句
"People attribute their own failures to external reasons."
人們將自己的失敗歸因於外在原因。
✨ 延伸例句
"External factors can affect market volatility."
外在因素會影響市場波動。
narrative /ˈnærətɪv/ noun
a spoken or written account of connected events; a story.
敘述;故事
📝 例句
"It also ignores facts that don't fit the narrative."
它也會忽略不符合這個故事的事實。
✨ 延伸例句
"The media created a narrative of economic recovery."
媒體營造了一種經濟復甦的敘事。
reinforce /ˌriːɪnˈfɔːrs/ verb
to make something stronger or more substantial.
加強;鞏固
📝 例句
"Figure out where planes should have their armor reinforced."
弄清楚飛機的哪些部位應該強化裝甲。
✨ 延伸例句
"The company decided to reinforce its market position."
公司決定鞏固其市場地位。
🎯 共 10 題測驗

1 According to the video, what is a cognitive bias? 根據影片,什麼是認知偏誤? According to the video, what is a cognitive bias?

根據影片,什麼是認知偏誤?

✅ 正確! ❌ 錯誤,正確答案是 B

The video defines cognitive bias as a systematic error in thinking (Line 2).

影片將認知偏誤定義為一種思考上的系統性錯誤。

2 Why does the brain rely on cognitive biases? 大腦為什麼依賴認知偏誤? Why does the brain rely on cognitive biases?

大腦為什麼依賴認知偏誤?

✅ 正確! ❌ 錯誤,正確答案是 C

The brain relies on generalities or rules of thumb to save as much thinking energy as possible (Line 26).

大腦依賴概括性的概念或經驗法則,是為了盡可能節省思考能量。

3 Which bias involves 'cherry-picking' feedback to protect your ego? 哪一種偏誤涉及「挑選」回饋來保護自我? Which bias involves 'cherry-picking' feedback to protect your ego?

哪一種偏誤涉及「挑選」回饋來保護自我?

✅ 正確! ❌ 錯誤,正確答案是 B

Self-Serving Bias takes the form of 'cherry-picking' feedback to support your high opinion of yourself (Line 76).

自利性偏誤常表現為「選擇性」接收回饋,以支持你對自己的高度評價。

4 What is FOMO triggered by, according to the video? 根據影片,什麼會引發 FOMO? What is FOMO triggered by, according to the video?

根據影片,什麼會引發 FOMO?

✅ 正確! ❌ 錯誤,正確答案是 B

FOMO can be triggered by posts on social media where it looks like everyone is having fun without you (Line 109).

FOMO 可能由社交媒體上的貼文引發,看起來就像大家都在沒有你的情況下玩得很開心。

5 In the Gambler's Fallacy example, if a coin lands on heads 100 times, what do people assume about the next flip? 在賭徒謬誤的例子中,如果硬幣連續 100 次正面,人們會假設下一次是? In the Gambler's Fallacy example, if a coin lands on heads 100 times, what do people assume about the next flip?

在賭徒謬誤的例子中,如果硬幣連續 100 次正面,人們會假設下一次是?

✅ 正確! ❌ 錯誤,正確答案是 B

Most people assume it will land on tails next, even though each flip is independent (Line 134).

大多數人會假設下一次會是反面,儘管每一次拋擲都是獨立的。

6 What is the Actor-Observer Bias? 什麼是行動者—觀察者偏誤? What is the Actor-Observer Bias?

什麼是行動者—觀察者偏誤?

✅ 正確! ❌ 錯誤,正確答案是 B

It is the tendency to attribute your own failures to external reasons, but others' failures to internal causes (Line 165).

這是一種將自己的失敗歸因於外在原因,卻將他人的失敗歸因於內在特質的傾向。

7 Who is the statistician mentioned in the Survivorship Bias example? 倖存者偏差的例子中提到的統計學家是誰? Who is the statistician mentioned in the Survivorship Bias example?

倖存者偏差的例子中提到的統計學家是誰?

✅ 正確! ❌ 錯誤,正確答案是 B

The example features statistician Abraham Wald working for the U.S. military during WWII (Line 245).

該例子提到了二次世界大戰期間為美國軍方工作的統計學家亞伯拉罕·華德。

8 How does Anchoring affect judgment? 錨定效應如何影響判斷? How does Anchoring affect judgment?

錨定效應如何影響判斷?

✅ 正確! ❌ 錯誤,正確答案是 B

People use the first piece of information they see to judge the following information (Line 315).

人們傾向利用最先看到的資訊,來判斷後續接收的資訊。

9 What is the Halo Effect? 什麼是光環效應? What is the Halo Effect?

什麼是光環效應?

✅ 正確! ❌ 錯誤,正確答案是 B

It is letting one positive trait guide their total opinion of a person, product, or experience (Line 350).

這是人們因為某個單一正面特質,而影響對某個人、產品或體驗的整體評價。

10 Which bias describes valuing immediate rewards over long-term rewards? 哪一種偏誤描述了重視立即獎勵勝過長期獎勵? Which bias describes valuing immediate rewards over long-term rewards?

哪一種偏誤描述了重視立即獎勵勝過長期獎勵?

✅ 正確! ❌ 錯誤,正確答案是 C

Hyperbolic Discounting is valuing immediate rewards like sleeping in over long-term rewards like being fit (Line 380).

雙曲貼現是指人們傾向於重視像睡過頭這樣的立即獎勵,而非像保持健康這樣的長期獎勵。

測驗完成!得分: / 10