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Why does a prepaid annual gym fee push visits hardest right after payment, not ten months later?

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Answer: The sunk cost fades

Habits strengthen slowlyNot quite. Habits can strengthen with repetition, but the payment effect points the other way. Payment-depreciation research predicts that as a past cost feels more distant, its power to push consumption falls, so the prepaid fee is loudest soon after it is paid.

The fee stays vividNot quite. If the fee stayed vivid, it would keep pushing visits later in the year. Payment-depreciation predicts the opposite: the old payment stops feeling like a live reason to show up, even though the unused membership still has value.

The sunk cost fadesRight. Sunk-cost pressure is strongest when the payment is mentally fresh, then it depreciates. That is why prepaying can motivate early attendance without guaranteeing month-ten attendance: the pain of wasting the fee gets quieter over time.

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