Unified personal policy: I don't lend from salary, I gift up to a known cap — avoid awkwardness.

At your funeral in 50 years, what do you wish people said? Start it today.

Specify the decision-types (not tasks) you will delegate via an explicit authority ring.

Each policy: title, scope, 5 rules, exceptions, review date — one page only.

Each policy override: log why, who approved, when reviewed.

Set clear policy: which decisions will never be delegated to AI in your team.