Quit Being a Cynic at Work. It’s Holding You Back.
There are ways to fight the tendency to see the worst in everyone
There are ways to fight the tendency to see the worst in everyone
We don’t want to be friends with our co-workers . We don’t want to help out with that project. We don’t trust the CEO…or our boss…or that guy in accounting.
Have we taken our cynicism at work too far?
In some ways, our bad attitude makes sense. Many of us made work our church, only to end up laid off , burned out or underpaid. Now we check out, do less, gossip and snark.
It isn’t getting us anywhere good, according to Jamil Zaki , a Stanford University psychology professor who runs the school’s social neuroscience lab.
“Cynicism, if it were a pill, would really be a poison,” he says.
Zaki has spent years researching sunny concepts such as empathy and compassion. One of his studies, for example, found that giving away money activates a similar part of the brain as eating chocolate. His forthcoming book, “Hope for Cynics,” explores the rise of our darker sides, our belief that other people are selfish, greedy and dishonest.
Betrayed once, we practice what Zaki calls “pre-disappointment,” always assuming others will let us down. The mindset feels productive and cunning, like we’ll be able to protect ourselves. But Zaki says it can actually stunt our careers in the long run, and hurt our mental and physical health.
“By never trusting, cynics never lose,” he writes. “They also never win.”
He assures that you don’t have to become the company cheerleader, or even an optimist, to grow your faith in other people. You do have to take a chance on them, examining your own assumptions and suspending your conviction that you already know how this is going to turn out (not well).
While the approach might initially seem blasphemous to the more negative, sarcastic and skeptical among us—like, say, me—anyone can become less cynical , he says.
You might even find you like it.
Once upon a time, Americans were less cynical, Zaki says. A longstanding survey from research organisation NORC at the University of Chicago, which has examined American attitudes since 1972, shows we used to trust each other more. Around the middle of the last century, many hummed along on the rosy glow of plum benefits, robust job security and the knowledge that the chief executive was making, say, 20 times a worker’s pay, instead of 200.
It isn’t that we never complained about work, but Zaki says we repaid our companies’ loyalty with commitment, as part of an unspoken covenant.
Today, that employee-employer pact can feel like a relic of a bygone era. Workers have swapped pensions and equity in their companies for more meagre benefits that put the risk and onus on individuals. Instead of reporting to paternalistic employers, many people now operate under tenuous contracts and gig work.
Some of us work from home in isolation or spend lonely days in the office trapped on back-to-back video calls. There’s less chitchat, less interaction.
“We don’t like people when they’re abstracted,” Zaki says, “but we love people who we actually know.”
Zaki understands why, given all this, we might scoff at the notion that our company is a family, or roll our eyes at the prospect of joining in forced fun at the office happy hour.
Sometimes, I suspect, we also adopt a toughness because we don’t want to look like we’re trying too hard, only to fail or be rejected. Maybe it stems from perfectionism , or anxiety , or insecurity after being exposed to everyone else’s highlight reel on social media for the past 15 years.
It might seem like all the office snakes are scaling the ladder, but Zaki says studies show cynics’ earnings and leadership potential level off with time. To do good work and attain success, you have to build alliances and share information. Translation: You have to trust someone.
Cynics are prone to poor health, from depression to heart disease, he says, adding that at an organizational level, cynicism can lead to pervasive backstabbing, higher turnover and even corporate corruption.
Cynicism is also a self-fulfilling prophecy, he says. People often mirror how we treat them. Micromanage your team—surveilling them and wresting away their ability to make decisions—and they’ll become the slackers you think they are, doing the bare minimum and buying mouse jigglers to mask time away from their home computers.
“Cynics tell a story full of villains and end up living in it,” he writes.
Resisting cynicism’s pull starts with being open-minded. Examine the data of your life like a scientist would, he says, instead of jumping to conclusions, positive or negative. Think everyone at your job is out for themselves? Ask 10 colleagues for a favour, and see if anyone agrees to help. Convinced every conversation with a co-worker will be painful? Spend a day rating your interactions with them on a scale from 1 to 10.
Challenging your assumptions will leave you pleasantly surprised, Zaki promises, because people often rise to the occasion when we let them. You can start by doling out what you hope to receive. Try engaging in “positive gossip,” speaking highly of others. Take a leap of faith in someone, and do it obviously.
“I trust you,” a manager might say to her direct report. “I really think you can do this.”
Could all this make us too soft? Rejecting cynicism doesn’t mean you can’t hold workers to high standards, Zaki says. Just don’t pit them against each other, with practices like stack rankings, where collaboration is discouraged as workers try to claw above each other on a scoreboard.
Your humor can still be irreverent, even biting, he adds, but jokes should ultimately bring people together or improve something.
“Snark, in the absence of any hope, kind of curdles,” he says.
And don’t be blindly optimistic, he adds. If leadership isn’t giving you any reason to have faith in them, don’t. Find another group to trust—maybe your small team or a union. Band together to provide a buffer to the daily stress of working in your organisation, or enact change by fighting for something better.
“We often underestimate how much influence we have,” he says. “Own that power.”
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Strong family financial planning can help reduce taxes and support younger generations. From intrafamily loans and asset gifts to inheritance disclaimers, strategic cooperation can create meaningful financial benefits—when families have the trust and structure to make it work.
Happy is the family whose members—parents, grandparents and grown children—trust each other enough to cooperate on shared goals, especially financial ones. When that is truly the case, Uncle Sam’s tax rules can help as well.
This matters especially now that mortgage rates are above 7%, and many families are looking for ways to help younger members. If the elders have resources and are confident younger ones can cooperate, a family loan could make homeownership possible while providing the elders with a useful income stream.
Other strategies can actually lower taxes, such as when funding 529 plans or Roth IRAs, or when someone inherits a traditional IRA with required withdrawals larger than they will need.
Here are three strategies useful for functional families.
It is perfectly legal for families to lend money to a relative for a down payment or even a private mortgage.
But it is important not to cut corners, says Ryan McKeown, a CPA with Modern Wealth Enhancement in Minnesota. If the loan is for a down payment, be honest with the mortgage provider and have a formal agreement. The lender owes tax on the interest payments received.
If the loan is for a private mortgage, both sides should have legal representation with a formal written agreement, including payment terms. The lender owes tax on the interest, and the borrower often can deduct it if he or she itemizes.
To avoid IRS trouble, the interest rate shouldn’t be lower than the agency’s Applicable Federal Rate at the time of the loan. Currently that is about 5% for loans longer than nine years; about 4.5% for loans three to nine years; and about 4% for loans three years or less. Currently, traditional mortgage rates are generally above 7%.
In addition, the lender could use the $19,000 annual gift-tax exemption (described below) to forgive some or all of the interest or principal annually. If both lenders and borrowers are married, that is up to $76,000 a year. There is no tax for the borrower on such forgiveness, because it is from a gift.
If you’re going this route, McKeown advises against having a fixed plan to forgive the debt. Instead, do it in one-off letters specifying the amount—and keep careful records. Otherwise the IRS might try to treat the loan as a taxable gift.
Powerful tax-saving moves for families often use gift-tax provisions. Under current law, anyone can give anyone else up to $19,000 of assets annually, free of gift tax. That means a married couple with three grandchildren could give them a total of $114,000 in 2026.
The gifts can be cash or other assets, like stock. For noncash gifts, the cost basis—which is the starting point for measuring taxable gain after a sale—“carries over” to the recipient. So if someone buys $1,000 of stock and gives it away when it is worth $5,000, the recipient’s cost basis is $1,000. If the recipient later sells the shares for $8,000, the taxable gain is $7,000.
Here’s an example showing how gifts could save a family taxes. Grandma is a widow of modest means, while her child and spouse have prospered. The couple has two children, and they want to contribute $5,000 to a 529 college-savings plan for each—but they need to sell stock to do it. Their tax rate on the sale would be 18.8%, and they would need to sell about $11,000 of stock.
However, Grandma’s federal tax rate on the stock sale is 0%. If the couple gives $10,000 of shares to Grandma, she could sell them, pay no tax, and fund the grandchildren’s 529 plans. This saves about $1,000 of tax.
These moves are legal, and they could be used in other ways, such as to help a young person fund a Roth IRA.
But trust among family members is essential: Under the law, givers can’t put conditions on a gift. Grandma could use her stock proceeds to take a cruise, but she makes 529 contributions instead.
Mark Sellner, a retired tax attorney and CPA living in Sarasota, Fla., uses this strategy. His children sell stock he gives them and fund 529 plans for his grandchildren.
The family’s tax savings aren’t huge, but he likes other benefits. The sales by his children don’t boost his adjusted gross income, which in turn could raise his Medicare Irmaa premiums or his 3.8% surtax on net investment income.
Sellner doesn’t worry about his children using the funds for another purpose.
“There can’t be any strings attached to gifts. Of course, it is up to us to decide whether to make them in the future,” he says.
Two caveats: The “kiddie tax” applies to most children under age 24, and it is levied at the parents’ rate on investment income above $2,700 in 2026. Consider this before making gifts to a young person.
Investors who give away stock also forgo the step-up, an important provision that exempts assets held at death from capital-gains tax.
Sellner knows he’s losing a step-up, but says, “The children could use a little more now. Why should they wait 20 years to get it?”
A disclaimer is a highly useful strategy in which one heir renounces an inheritance in favor of another heir. Assuming family members cooperate, this can save taxes.
Here’s one example. Dad died and had a large traditional IRA that he left to Mom. She has enough assets and income to cover her expenses, and she lives in a state with a stiff estate tax. The inherited IRA would put her estate over the threshold.
Also surviving are three young-adult children. If Mom disclaims all or part of Dad’s IRA within nine months of his death, that amount could go directly to the children. They will have 10 years to empty the account, and the family as a whole will likely save estate and income taxes.
Disclaimers have many key details, especially regarding beneficiary documents. Although heirs have great freedom in choosing what assets to disclaim, the rules about who gets disclaimed property are rigid. It is best if the original owner names tiers of heirs so that if one disclaims, the next recipient is clear.