Table of Contents
Some people seem to just do things. They say they’re moving abroad and then they go. They decide to start a company and actually start it. You might think “they’re so brave,” or maybe “they just don’t think things through.” But EP666 of 大人的Small Talk offers a different explanation: those people aren’t fundamentally braver. They’ve just seen enough people.
TL;DR
- “Daring” isn’t a fixed personality trait — it’s a function of your reference points
- When you’ve seen enough people “do this thing and be okay afterward,” the unknown becomes an estimable risk
- The core of fear is usually “I don’t know what will happen,” not “I know the outcome will be terrible”
- Expanding your reference points: deliberately seek out people who have done the thing, and hear their real stories
- Envying someone’s courage is pointless; finding people who “already did it” and talking to them is actionable
What Is It
Bryan and Joe’s core argument: fear in decision-making comes largely from uncertainty, not from accurate risk assessment.
“Moving abroad” is a terrifying idea for many people — but the terror usually isn’t “I know life abroad will be miserable.” It’s “I have no idea what life abroad will be like.”
The people who seem fearless have a different internal picture. Their lives contain enough reference points — friends who tried it, relatives who went abroad, people they know who started businesses and either succeeded or failed — that “moving abroad” or “starting a company” has shifted from “completely unknown” to “a risk with a shape.”
Seeing enough people doesn’t mean knowing lots of successful people. It means seeing enough people “who did the thing, and then kept going with their lives” — including people who failed, came back, adjusted, and ended up more or less okay.
Why It Matters
This framework matters because it moves the question from “am I brave enough” to “are my reference points rich enough.”
The first is hard to change: you’re either naturally bold or you’re not.
The second is deliberately buildable: you can actively seek out people who have done the thing.
It also explains a common sibling pattern: why older children tend to be more risk-averse and younger children more adventurous. The younger sibling watched the older one try things, fail sometimes, cry sometimes, and ultimately be fine. That experience built a reference: “trying and failing isn’t the end of the world.” The older sibling had no such model to watch.
How It Works
graph LR
A[Facing an unfamiliar decision] --> B{Have reference points?}
B -->|No| C[Completely unknown]
C --> D[Fear amplified]
D --> E[Paralysis]
B -->|Yes| F[Have seen people who did this]
F --> G[Unknown compressed to estimable risk]
G --> H[Can actually assess tradeoffs]
H --> I[Make a decision either way]
I --> J[An active choice, regardless of outcome]
Fear is largest not when you know the outcome will be bad, but when you have no idea what the outcome will be. Reference points compress “total unknown” into “bounded uncertainty.” That’s what lets assessment — and decision — happen.
The Difference from Courage
We typically attribute “daring” to personality: this person is naturally bold, that one is naturally cautious.
Bryan and Joe’s framework reframes it:
| Attribution | Explanation | What you can do |
|---|---|---|
| Courage theory | ”They’re naturally brave, I’m not” | Nothing — just envy them |
| Reference points theory | ”They’ve seen enough people, I haven’t yet” | Deliberately find people who have done the thing |
The reference points framework doesn’t say everyone should ultimately go abroad or start a business. It says: your “can’t do it” might only be “haven’t seen enough people yet” — and that’s something you can change.
What to Actually Do
Find people who have done the thing, and hear the real story
Not success stories — those tend to show only the polished parts. Find people who “did it, it didn’t work out, and they’re still fine” and ask them:
- What was the worst case? Did it actually happen?
- If you could go back, would you do it again?
- What surprised you most that you hadn’t expected?
These conversations build an honest reference point, not an idealized expectation.
Deliberately encounter diverse life paths
Many people’s social circles are highly homogeneous: same educational background, same career trajectory, same life choices. In that environment, anything outside the standard path seems weirdly risky — because you’ve literally never seen what happens to people who take it.
Deliberately expanding your circle — not to build a network for advantages, but to encounter people who made different choices and see how their lives turned out — is the most natural way to build richer reference points.
Summary
Envying someone’s courage doesn’t help, because courage might not even be the real variable. The real variable is how many “people who did the thing” you’ve seen.
Next time you find yourself thinking “they’re so brave, I could never do that,” try asking a different question: how many people do I actually know who have done this? What happened to them?
If your answer is “I don’t know any” or “I have no idea,” the bottleneck might not be your courage — it might just be that your reference points aren’t rich enough yet.
References
Answers come from this article only. Click any prompt below or open the chat at the bottom right.
🇺🇸 English
Ever notice how some people just... do things? They say they're moving abroad, and then they're gone. They decide to start a company, and they actually start it. And your first reaction is usually one of two things: "Wow, they're so brave," or maybe, a little more skeptically, "They just don't think things through."
But there's a third explanation, and it comes from episode 666 of the podcast 大人的Small Talk. And it flips the whole thing on its head. Those fearless people? They're not fundamentally braver than you. They've just seen enough people.
Let me unpack that, because it's the whole idea.
The hosts, Bryan and Joe, make this argument: the fear we feel when making a big decision doesn't usually come from an accurate read on the risk. It comes from uncertainty. From simply not knowing.
Think about "moving abroad." For a lot of people, that's a terrifying thought. But if you slow down and ask why it's terrifying — it's almost never because you're sitting there thinking, "I know for a fact that life abroad will be miserable." No. It's because you have no idea what life abroad would even be like. It's a blank. And your brain fills that blank with dread.
Now, the people who seem fearless — they've got a different picture in their heads. Their lives are full of reference points. They've got a friend who tried it. A relative who moved overseas. Someone they know who started a business and crushed it, and someone else who started one and it flopped. So for them, "moving abroad" or "starting a company" has quietly shifted category. It's gone from "total unknown" to "a risk with an actual shape." Something you can look at and size up.
And here's a nuance that really matters: seeing enough people does not mean knowing a bunch of successful people. It means seeing enough people who did the thing — and then just... kept living. Including the ones who failed. Who came back. Who adjusted the plan. And ended up basically okay.
That's the piece we skip. We think we need proof of success. What we actually need is proof of survival.
So why does this framework matter so much? Because it changes the question you're asking yourself. Instead of "Am I brave enough?" — which is a miserable, dead-end question, because you're either born bold or you're not — you get to ask, "Are my reference points rich enough yet?" And that second question has a door in it. You can go build reference points. On purpose.
Here's a great example the hosts bring up — the sibling pattern. You've probably noticed it. The older kid in a family tends to be more cautious, more risk-averse. The younger one's often the wild card, the adventurer. Why? Because the younger sibling spent years watching the older one try stuff, mess it up, cry about it, and then be totally fine a week later. That kid got a free education in "failing isn't the end of the world." The oldest child had no one to watch. They were the experiment.
So let's talk about the actual mechanism, because it's simple and kind of beautiful. Fear is at its absolute biggest not when you know the outcome will be bad — it's when you have no clue what the outcome will be. A total blank scares you more than a known disaster. What reference points do is compress that total unknown down into bounded uncertainty. It puts walls around the fear. And once there are walls, once the thing has edges, you can finally do the thing you couldn't do before: actually weigh the tradeoffs and make a real decision. Either way — go or don't go — it becomes an active choice instead of paralysis.
And this is exactly where the "courage" story falls apart. We love to explain daring as a personality trait. He's just a bold guy. She's just naturally cautious. But look at what that framing leaves you with. If it's personality, there's nothing you can do — you just stand there and envy them. Whereas if it's about reference points, the move is obvious: go find people who have actually done the thing.
Now — important caveat. This framework is not saying everyone should go abroad or everyone should start a business. It's saying something gentler and more useful: your "I could never do that" might really just be "I haven't seen enough people do it yet." And that — you can change.
So, practically, what do you actually do?
First: find people who've done the thing, and get the real story out of them. Not the highlight reel. Success stories are almost useless here, because they only show you the polished parts. What you want is the person who did it, it didn't work out, and they're still standing. And you ask them the honest questions. What was the worst case that you were scared of — and did it actually happen? If you could rewind, would you do it again? What surprised you most, the thing you never saw coming? Those conversations build an honest reference point instead of some airbrushed fantasy.
Second: deliberately put yourself around different kinds of lives. Here's the trap most of us are in — our social circles are weirdly homogeneous. Same schools, same career track, same life choices, all clustered together. And in that bubble, anything off the standard path looks insanely risky. Not because it is — but because you have literally never watched what happens to a person who takes it. So widening your circle isn't about networking or collecting contacts for some advantage. It's about actually seeing people who chose differently, and watching how their lives turned out. That's the most natural way there is to get richer reference points.
So let me leave you with the core of it.
One: envying someone's courage is a waste of time, because courage might not even be the real variable. The real variable is how many "people who did the thing" you've actually seen.
Two: fear lives in the unknown, not in the bad outcome. Reference points don't make the risk disappear — they give it a shape, and a shape is something you can decide about.
And three: next time you catch yourself thinking "they're so brave, I could never" — swap the question. Ask instead: how many people do I actually know who've done this, and what happened to them? If the honest answer is "none" or "no idea," then the bottleneck was never your courage. Your reference points just aren't rich enough yet. And that? That you can go fix.
🇹🇼 中文
我朋友有次早餐聚會,很認真地跟我說:「你膽子比我大很多。當年你敢出國讀書、去紐約工作,後來還自己出來創業,這三件事我都不敢。」
我聽完一直在想這件事。因為說真的,我從小到大都不覺得自己膽子大——我身邊一直有那種真正敢冒險的朋友,我很清楚我不是那種人。可是回家仔細回想出國讀書、出國工作、創業這三件事,我發現一件很有意思的事:它們對我來說確實是突破,但好像都沒有真的動用到「大膽」這個東西。
先說出國讀書。我高中大學就立志要出國,為什麼?因為我有幾位大我十幾歲的表哥表姐,早就出國讀書了。我念小學的時候,他們已經在念大學、準備出國。所以對我來說,出國很難、要努力、要突破,但它從來就不是一件「不可能」的事——因為我身邊就有活生生的例子,我甚至知道有問題可以去問他們,雖然後來我幾乎沒真的問過。我親眼看著他們念完、留在美國工作,看起來也挺順的。
出國工作,其實是同一個道理。這些表哥表姐都在美國上過班,我爸也有些朋友年輕時出國就留下來了。所以我很小就知道「有些台灣人是在美國工作的」——這件事厲害、要挑戰,但對我來說不是天方夜譚。
創業就不一樣了,這件事小時候對我才真的陌生,因為家族裡幾乎沒有長輩創業。我原本設想的人生,就是好好讀書、進好公司、頂多當個主管。轉折發生在我去芝加哥西北大學念專案管理的時候,那大概是 2003、2004 年,正好碰上一波創業潮。我發現研究室裡跟我一起瞎聊的外國同學,成績沒特別好、人也沒特別聰明,但超過一半的人都有創業夢,畢業要回國做這做那,甚至有人是一邊創業一邊來念書。聽著聽著我就想,創業好像也沒那麼了不起嘛,是可以聊、可以分析、可以規劃的一件事——而且這些人的作業還要抄我的,他們都敢當大老闆,那我為什麼不行?
有趣的是,那位說我膽子大的朋友,在我眼裡才是膽子超大的人。他一樣念工程,卻一天工程都沒做,研究所畢業就投身金融,很年輕就當分析師、交易員,待過財經媒體、親自去訪問上市櫃公司的老闆,後來自己當基金經理人、做私募,手上操盤的錢「沒有百億也有十億」。這對我來說,是二、三十歲絕對不敢碰的事——但對他這種從年輕就泡在金融圈、看著前輩隨便操盤好幾億的人來說,這也沒什麼。
你看,兩個人互相覺得對方膽子大。所以我的結論是:膽子大小,可能根本不是天性,而是跟你的「預設值」有關。
我後來查了一下,發現這件事真的有學者在研究。心理學家 Bandura 在 1977 年提出「社會學習理論」,講白話就是:人類的學習,很多時候不是靠自己做過什麼,而是看別人做了什麼、然後模仿。我看著表哥表姐出國又在國外工作,等於手上有一本「人體教科書」,照著做就好,這件事對我就不可怕了。
另一位我很欣賞的心理學家、《快思慢想》的作者 Kahneman,提出「可得性捷思」。意思是,當我們判斷一件事可不可能、會不會太難,靠的是「腦子有多快能想到相關的例子」。越容易想到例子,就越覺得可行;如果大腦對這件事毫無經驗,就會直覺認定它不可能。
所以關鍵不是膽子,是例子。同一件事,圈內人覺得「這沒什麼」,圈外沒見過的人覺得「太瘋狂了」。差別不在膽量、毅力、決心,而在於我們腦中資料庫裡的案例不一樣。這個機制其實很簡單:面對一個大決策,你腦中有沒有真實的例子?沒有,就自動設成一道結界,覺得這不可能,於是不敢行動;有,而且看過好幾次,你的預設值就被拉高,覺得這沒什麼,剩下的問題只是行動而已——然後你去做了,也就成功了。
我用一個經典故事,來說明「預設值」的威力。1954 年以前,運動和醫學界有個定論:一英里賽跑,大概一點六公里,人類再快也不可能在四分鐘內跑完。甚至有學者說,硬逼到四分鐘以內,會破壞身體結構、嚴重傷害健康。四分鐘就像一堵牆,被當成人類生理極限。
結果 1954 年 5 月 6 日,選手 Bannister 跑出三分五十九秒四,震驚全世界。更驚人的是,這個世界紀錄只維持了 46 天——6 月 21 日,澳洲選手 John Landy 又快了兩秒。接下來三年內,全世界陸續有十五個人跑進四分鐘。
你想想,幾百年沒人破的牆,一旦破了,後面全部跟上。人類的腿不可能在 1954 年突然基因突變,唯一的解釋就是——大家腦中的預設值同時被改寫了。在 Bannister 之前,所有選手心裡都覺得「逼近四分鐘就好」;當有一個傢伙證明這個玻璃天花板不存在,所有人的預設值瞬間提高,於是就開始瘋狂破紀錄。
這種現象,其實到處都是。你看 PayPal 幫,PayPal 被 eBay 併購後,當初的創辦團隊散開來各自再創業,結果一個比一個誇張:Musk 做了 Tesla、SpaceX、Neuralink;Reid Hoffman 創了 LinkedIn;Chad Hurley 跟 Steve Chen 一起做了 YouTube;Peter Thiel 做了 Palantir,現在連美國國防部都在用;連 Yelp 也是 PayPal 幫的人創的。怎麼會這麼巧?我認為關鍵是,他們曾經彼此看過對方怎麼工作,一起把一家公司從零做到被收購。有過一次,第二次的預設值就低很多。
再看矽谷那幾個印度籍 CEO,Google 的 Pichai、微軟的 Nadella、YouTube 的 Mohan 都是印度裔。我不談民族性,就從預設值來推論:一開始只有少數印度工程師爬到高階、當上 CEO,後來大家發現「跟我一樣從印度來、一樣靠軟體往上爬的老鄉,都能當到 CEO」,加上印度社群家族緊密、彼此都認識——張媽媽李阿姨家的小孩當了某科技公司 CEO——當這變成身邊老鄉正在做的事,預設值就放開了,剩下的結論只是「練啊」。
這也是為什麼我特別在意教育。大人學這幾年開了一門給國高中生的「少年大人學」,用專案管理的方式幫學生拆解未來的理想。開課前我電訪報名家長,有位爸爸的回答讓我印象很深:孩子能不能在這三個半小時的工作坊裡找到夢想,不是重點,他在意的是讓孩子「跟這樣的人交流、開開眼界」。
後來學員問卷也印證了這點。有個學生寫道:他來之前的夢想就是考試考前幾名,結果現場看到年紀相仿、甚至更小的同學,有人想去蘋果上班、有人想當建築師、有人已經在想創業——他整個被震懾到。他最大的收穫,不是自己的夢想多偉大,而是他看到了一個比自己預設值更高的世界。
這正是教育能改變未來的原因。一個窮困鄉下的孩子,身邊沒有例子,就會自動把人生設限在「能吃飽、做勞力工作就了不起了」;但只要透過教育或體驗,讓他看到「也有很窮、小時候成績很爛的人當上總統或 CEO」,預設門檻就被整個拉高。重點不是他長大後真的多了不起,而是人生的維度被打開了、可能性變多了——這就是文明一代代進步的根基。
講到這裡,我想重新定義一下「向上社交」。這幾年很多人談,說要跟比你強的人在一起。但傳統想法是去「要資源」——認識大老闆,希望他投資你、拉你一把。很多人去了發現沒被拉,又有骨氣不想求人,最後就結論說「向上社交沒意義」。
我的定義完全不同:向上社交不是去拿資源,甚至不是去學他怎麼做到的——你光是站在他旁邊看著,就有效了。當年在美國,我根本沒問同學創業要準備多少錢,只是聽他們聊創業大夢,就已經被影響,覺得創業沒那麼可怕。
所以我鼓勵大家,盡量近距離接觸真實的人——不是看網路影片,那沒用,而是真的跟對方對話、站在他旁邊看他的言行舉止。光是知道他做了某個突破、而且也活下來了、也沒什麼,你的預設值就會整個拉高一個維度。而且他的預設值會變成你的預設值,你完全不用跟他要求任何東西。
補充一個我自己的觀察:為什麼你對電視上富豪買一億跑車、周杰倫買三千萬超跑毫無感覺,但鄰居換了一台新的 Toyota,你卻很有 feel?因為後者跟你的生活有連結。例子要有效,就得是你日常氛圍的一部分。
我還想講一位聽眾的故事。這位工程師將來想當 PM,寫信問我們有沒有專案管理的線上課,得知只有實體課後,他覺得「這個時代還要特地坐高鐵來台北、找旅館住,是誰會做這種蠢事」。後來被說服來上課,他卻大受震撼——不是課講得多好,而是現場四十八個同學一大早就到,有人請假、有人從南部甚至馬來西亞、新加坡飛來,有些人已經上了二十幾門課。這徹底打破他的三觀:原來真的很多人這樣投資自己,而且都還蠻優秀的。從那天起,他覺得自費上實體課「沒什麼了」,因為他的預設值整個被改變了。
我把這整套心得,收束成一個比喻,就像玩即時戰略遊戲:一開始畫面邊緣全是「戰爭迷霧」,你只看得到中間一個亮點。你得自己往前、往左、往右走到底,地圖才會一塊塊亮起來——這邊一片海、那邊一堆金礦。我們用社交去認識這些人,不是要從他們身上拿什麼,而是去開地圖、增加自己的預設值。
具體怎麼做?去接觸那些「幹過你沒幹過的事」的人。不一定要外向地交朋友,光是處在同一個空間、講上兩句、成為彼此認識的人就行。如果一週認識一個,幾個月後你就有十個人——有人在出國這件事上預設值比你高、有人在賺錢上比你高、有人在待人接物上比你高、有人在學習能力上比你高。你把每個維度的最大值都抓回來,整個人的維度就提升了、預設值就變大、你就自由了。
所以聊到最後,我想留三個重點給你。
第一,別再怪自己膽子小。我們以為自己缺的是膽子,其實真正缺的,是腦子裡能快速調出來的真實例子。膽子大的人,往往只是例子多。
第二,向上社交的真正價值,不在拿資源,而在改寫你的預設值。你光是站在對的人旁邊、看著他做過某件事而且好好活下來,你的天花板就整個被抬高一個維度。
第三,如果你真心想突破,能立刻執行的,就是去近距離接觸那些「做過你還沒做過的事、而且也活得好好的」人。當你有了例子,腦中的選項瞬間變多,你也就更能相信思考、勇於改變。
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