Many established researchers describe working in a constant state of response: dealing with urgent requests, keeping projects moving, and absorbing the needs of others.

Over time, this can create a sense of firefighting, fatigue, and guilt about the work that never quite happens. This short exercise offers a way to step back and think more strategically about how you invest your time and attention.

The Two-Account Idea:

Most of us accept that in everyday life we need to manage both a current account to get by day to day and a pension account to look after our future self, and that neglecting either one eventually creates problems. Imagine your work time as being split between two accounts:

• Current account – Activities that keep things functioning day to day. These are often urgent and necessary: delivery, meetings, email, problem-solving, responding to others.
• Pension account – Activities that are less urgent but support your future self. These include planning, skill development, relationship-building, reflection, and work that reduces pressure later on.

If we only pay into the current account, we may cope in the short term but make life harder for our future self.

A Short Reflection

Without judging yourself, take a few minutes to consider:

• Which activities currently dominate your current account?
• What, if anything, are you paying into your pension account?
• Where do you suspect there is an imbalance?

Now imagine a brief end-of-week review with your future self:

• What would they thank you for investing in?
• What might they wish you had protected time for?

One Small Shift: Rather than aiming for major change, consider one deliberate adjustment:

• What would it look like to protect around 10% of your time for pension-account activities?
• What is one thing you could reduce, defer, or say no to in order to create that space?
• What is one future-focused activity you could schedule explicitly rather than leaving it to chance?

A Prompt to Keep in Mind: At the end of a busy day or week, ask yourself:
If my future self were reviewing this week, would they feel supported by the choices I made?