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GeneralFebruary 22, 2026

Is Your Brain Running a Deficit?

By Grant Ballard-Tremeer, PhD • Author

It is Sunday evening here in London, and the rain is settling in. It has been a productive, if slightly exhausting, weekend - a mix of revising the manuscript for The Zero-Sum Illusion, squeezing in a Parkrun, and catching those all-important moments with the family.

As I sit here at my computer, I’ve been thinking about the "transactions" we all made over the last 48 hours. Whether you were pushing for a personal best on a 5km run or negotiating who stacks the dishwasher, your brain was busy running a biological cost-benefit analysis.

In "neuroeconomics", they call this the Internal Ledger.

Why Your Brain Keeps a Ledger

If we view dopamine as a currency, the "ledger" is the brain’s accounting system - specifically managed by the ventral striatum and the prefrontal cortex.

It is the board of directors in your head that constantly asks: "Is the juice worth the squeeze?"

It is important to note: this happens at a deep, chemical level in your brain - these are not conscious thoughts. You don't "choose" to run these numbers any more than you "choose" to have your heart beat. While you are busy thinking about what’s for dinner, your brain is silently "checking the books" to weigh the metabolic cost of an action against the expected dopaminergic "profit."

Neuroscientists often model this as a value function:

V = R - C

Where V is the net value, R is the expected reward, and C is the cost (effort). If your internal accountant decides the transaction is a guaranteed loss, you experience that familiar "paralysis" where you simply cannot find the motivation to start.

The "Bad Trader" vs. The "Smart Investor"

To understand how this drives tension and conflict, imagine two different ways of "trading" your energy.

Two weeks ago, I mentioned the "Rower in Seat 6" who tries to force the boat forward through pure, ego-driven will.

In terms of our ledger, that rower is a Bad Trader. They are making "high-frequency, low-margin" trades.

They seek out zero-sum wins - winning a minor argument, "correcting" someone on the internet, or asserting dominance in a meeting.

On the surface, they get a quick "phasic" burst of dopamine. It feels like a win. But look at their ledger 20 minutes later: The transaction cost in cortisol is huge, and they are left in **Dopamine Debt **- a state where their baseline drops below normal, leaving them irritable and "needy" for the next hit.

The Smart Investor, however, looks for non-zero-sum opportunities.

When you spend your energy on mastery or helping a colleague, the "payout" is different. You aren't taking a win away from someone else; you are investing in a "dividend-paying" asset that strengthens your Tonic Dopamine (your baseline wealth).

The Connection: Dopamine and Zero-Sum Thinking

Most conflict persists because we are stuck in a zero-sum mindset, believing that for our ledger to be positive, someone else’s must be in the negative. But neurobiology shows us that internal "wealth" is not a fixed pie.

Table 1: Dopamine vs. Zero-Sum

  Concept
  Zero-Sum Perspective
  Non-Zero-Sum Perspective

  Source of Value
  Status, "Winning" - Comparison
  Growth, Contribution - Mastery

  Dopamine Trigger
  Being better than others
  Being better than your past self

  Long-term Result
  Burnout, Isolation, "Debt"
  Sustainable Motivation, Connection

  The "Pie"
  Fixed - I must take yours
  Expanding - We create more

The Actionable Toolkit: Rewiring Your Ledger

To move from the "Bad Trader" mindset to the "Smart Investor," we have to consciously change our internal exchange rate. Here are five science-backed ways to rewire your circuit for the week ahead:

1. Shift from "Outcome" to "Process"

Zero-sum dopamine is usually tied to the finish line (winning the game, getting the praise).

Non-zero-sum dopamine is tied to the effort itself.

  • The Hack: Practice "effort-contingent reward." During a difficult task, tell yourself: "The fact that this is hard and I’m doing it anyway is the win." This rewards the friction, making your motivation anti-fragile.

2. Prioritise Mastery over Status

Status is inherently zero-sum; for you to be #1, someone else must be #2.

Mastery, however, is an infinite game.

  • The Habit: Set "Personal Best" (PB) goals. Whether it’s your professional output or your Parkrun time, focus on You (today) vs. You (yesterday). It expands your "pie" without requiring anyone else to lose.

3. Use Social Foraging (The "Cooperative Hit")

In a zero-sum mindset, others are obstacles.

In a non-zero-sum mindset, they are multipliers.

  • The Habit: Engage in "Teaching as Learning." Share a shortcut with a colleague or mentor a junior. The resulting blend of dopamine and oxytocin is "high-yield" - it strengthens your baseline and theirs simultaneously.

4. Implement "Comparison Fasting"

Social media feeds are literal "comparison engines" designed to trigger zero-sum dopamine. They hijack your ledger before your day has even begun.

  • The Habit: Implement a "First Hour" rule. No emails, social media, or news for the first 60 minutes. Use this time for high-effort "Deep Work." You protect your tonic dopamine from being overdrawn by the relative successes of others.

5. Reframe "Scarcity" as "Selectivity"

Zero-sum thinking stems from a fear that if you don't grab a resource now, it’s gone. This creates a "scarcity response" in the brain.

  • The Habit: Practice JOMO (Joy Of Missing Out). Intentionally say "no" to a low-value, zero-sum opportunity (like a gossip session or a trivial debate). It reinforces to your brain that you are the manager of your currency.Table 2: Rewiring the Circuit

    Zero-Sum Trigger (Avoid)
    Non-Zero-Sum Habit (Adopt)
    Why it Works
    
    Checking Leaderboards
    Tracking Personal Growth
    Removes the "threat" of others' success.
    
    Seeking "Likes" or Praise
    Seeking "Flow State"
    Focuses on internal satisfaction.
    
    Hoarding Information
    Mentoring and Sharing
    Creates a feedback loop of social reward.
    
    Competitive "Winning"
    Collaborative Problem Solving
    Mixes dopamine with oxytocin for stability.
    

What I’m Reading This Week

In between chapters of my own book, I’ve been revisiting "The Molecule of More" by Daniel Z. Lieberman and Michael E. Long. It is perhaps the definitive text on how dopamine can become a taskmaster if we don't understand how it works.

Lieberman makes a point that echoes my manuscript revisions: Dopamine is the molecule of reaching, but it is not the molecule of having.

This is the heart of the Zero-Sum Illusion: the belief that the next win will finally balance the ledger. But the leger only stays balanced when we learn to value the "here and now" alongside our drive for "more."

As you prepare for the week ahead, take a look at your internal ledger. Are you planning to spend your energy on "brick walls," that can't be moved, or are you going to invest it where it can actually grow?

Protect your baseline. Listen, Breathe, then pull.

Best wishes,

Grant

PS To chat about how these ideas apply to your own work or leadership, reply to this email. I’m booking 15-minute virtual coffees and would love to meet you. Book it directly in my calendar here.

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This essay is adapted from the core concepts of the upcoming book, The Zero-Sum Illusion.

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