{"id":174972,"date":"2026-02-01T08:55:06","date_gmt":"2026-02-01T14:55:06","guid":{"rendered":"https:\/\/www.artofmanliness.com\/?p=174972"},"modified":"2026-02-01T13:10:34","modified_gmt":"2026-02-01T19:10:34","slug":"use-the-90-10-rule-to-decide-where-to-live","status":"publish","type":"post","link":"https:\/\/www.artofmanliness.com\/lifestyle\/homeownership\/use-the-90-10-rule-to-decide-where-to-live\/","title":{"rendered":"Use the 90\/10 Rule to Decide Where to Live"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-175034\" src=\"https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/90-10-4-1.jpg\" alt=\"\" width=\"650\" height=\"400\" srcset=\"https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/90-10-4-1.jpg 650w, https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/90-10-4-1-372x230.jpg 372w, https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/90-10-4-1-320x197.jpg 320w, https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/90-10-4-1-640x394.jpg 640w\" sizes=\"auto, (max-width: 650px) 100vw, 650px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Whether you&#8217;re moving across town or across the country, <\/span><a href=\"https:\/\/www.artofmanliness.com\/career-wealth\/career\/podcast-827-where-you-should-live-when-you-could-live-anywhere\/\"><span style=\"font-weight: 400;\">there are a lot of factors to consider in deciding where to live<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To figure out which factors to prioritize, it can be helpful to use what we call the &#8220;90\/10 Rule.&#8221;&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the 90\/10 Rule, you base where you should live on the factors that will affect 90% of your life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(The &#8220;90&#8221; and &#8220;10&#8221; numbers are not to be taken literally here; instead, they stand in for &#8220;the majority of your life&#8221; and &#8220;the minority of your life,&#8221; respectively).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This may seem like an obvious rubric for making a where-to-live decision, but in practice, people very often make their moving choices based on things that seem salient in their minds, but will, in fact, have a minimal impact on their overall satisfaction. In so doing, and ignoring the factors that will have the lion&#8217;s share of influence on their lives, they end up less happy with their decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s look at some examples of how this can play out.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Example #1: <\/b><span style=\"font-weight: 400;\">A family wants to move to the suburbs to get a bigger house with a guest room. In making this move, the father will double the length of his commute. While the guest room will only be used a handful of times each year, the long commute will impact him twice a day, every workday. The benefit of the guest room isn&#8217;t likely to increase his and his family&#8217;s happiness, but the stress and time-suck of the commute may diminish it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Example #2: <\/b><span style=\"font-weight: 400;\">A man takes a high-pressure job he doesn&#8217;t enjoy to live close to his extended family. While he sees his family once a month, the stress of his job beats him down every day.&nbsp;&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Example #3:<\/b><span style=\"font-weight: 400;\"> A couple wants to move from a city in the Midwest to a city in the Mountain West in order to live near the Rockies. Once they do, and the mountains are just a 30-minute drive away, they find they actually don&#8217;t make it out to them many more times than they did when they lived eight hours away. In the meantime, the fact that their cost of living has dramatically increased affects nearly every aspect of their lives, diminishing the size of their house, their savings account, and their vacation budget, while increasing their overall financial stress.&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When thinking about a move, the &#8220;sexiness&#8221; of certain factors \u2014 a hip downtown, access to the beach, a big yard \u2014 loom large in your mind as you imagine how these elements will change your life.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But in reality, at least if you have a young family, 90% of your life, regardless of where you live, will consist of your commute to work, work, and your commute home from work; kids&#8217; school stuff; hanging out at home; and errands\/chores. The quality and pay of your job, the quality of your kids&#8217; schools, the livability of your house, and the cheapness and ease of taking care of life&#8217;s endless to-dos will have the biggest impact on your life satisfaction. Prioritizing those factors is not only likely to increase your day-to-day happiness, but also gives you the time, mental bandwidth, and financial resources to make the remaining 10% of life \u2014 the dinners you eat out, the parties you throw, the trips you take \u2014 extra special.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, there&#8217;s a great deal of subjectivity in all this. Maybe you like long commutes. Maybe regularly seeing your family compensates for a lack of fulfillment at work. Maybe in being closer to the mountains you will in fact visit them far more often.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The factors that make up the 90% in the 90\/10 Rule are typically correlated with the number of hours and domains they affect. But a factor can look small if quantified that way and yet have an outsized impact on your happiness. For example, even if in moving closer to the mountains, you only visit them a few more times than you used to, perhaps you simply love the mountains so much that those few additional visits have a disproportionate effect on your happiness.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In choosing where to live, the key is to figure out what factors will most impact <\/span><i><span style=\"font-weight: 400;\">your <\/span><\/i><span style=\"font-weight: 400;\">satisfaction, and to recognize that they may not be the factors that first come to mind.<\/span><\/p>\n<hr \/>\n<p><em>With our archives 4,000 articles deep, we\u2019ve decided to republish a classic piece each Sunday to help our newer readers discover some of the best, evergreen gems from the past. This article was originally published in February 2023.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you&#8217;re moving across town or across the country, there are a lot of factors to consider in deciding where to live.&nbsp; To figure out which factors to prioritize, it can be helpful to use what we call the &#8220;90\/10 Rule.&#8221;&nbsp; Under the 90\/10 Rule, you base where you should live on the factors that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":175035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"activitypub_content_warning":"","activitypub_content_visibility":"local","activitypub_max_image_attachments":3,"activitypub_interaction_policy_quote":"","activitypub_status":"","footnotes":""},"categories":[42277,42276],"tags":[],"class_list":["post-174972","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeownership","category-lifestyle"],"featured_image_urls":{"large":"https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/map-feat-538x280.jpg","aom":"https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/map-feat-372x230.jpg","reactor-320":"https:\/\/content.artofmanliness.com\/uploads\/2023\/02\/map-feat-320x215.jpg"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - 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