Smart choices are usually boring choices, which is exactly why they get skipped. Nobody tells a good story about the second alarm — the one set for bedtime rather than morning.
Smart tends to mean small and repeated. From the outside it barely looks like a decision at all.
The dramatic overhauls collapse somewhere around week three, every time. The unremarkable thing you keep doing on Tuesdays for a year is what actually moves the needle, and it never once felt impressive while you were doing it.