The article explores how people make decisions when faced with multiple risky choices, like investing in different markets. It introduces two common decision-making shortcuts called narrow bracketing and correlation neglect. These shortcuts simplify the decision process by focusing on each choice individually and ignoring how they may be connected. The study shows that these shortcuts are not necessarily irrational and can be just as valid as other decision-making theories. The research provides a new framework that can explain why people make certain choices in experiments involving money and risk, as well as in decisions about time preferences.