SummaryReal-world decisions have benefits occurring only later and dependent on additional decisions taken in the interim. We investigated this in a novel decision-making task in humans (n = 76) while measuring brain activity with fMRI (n = 24). Modeling revealed that participants computed the prospective value of decisions: they planned their future behavior taking into account how their decisions might affect which states they would encounter and how they themselves might respond in these states. They considered their own likely future behavioral biases (e.g., failure to adapt to changes in prospective value) and avoided situations in which they might be prone to such biases. Three neural networks in adjacent medial frontal regions were linked to distinct components of prospective decision making: activity in dorsal anterior cingulate cortex, area 8 m/9, and perigenual anterior cingulate cortex reflected prospective value, anticipated changes in prospective value, and the degree to which prospective value influenced decisions.

Highlights d During self-other mergence (SOM), people confuse one's own with another's performance d Brain stimulation over dorsomedial prefrontal cortex (dmPFC) alters neural SOM d Brain stimulation over dmPFC simultaneously alters behavioral SOM d This suggests a causal role of dmPFC in separating self and other representations

Real-life decision-making often comprises sequences of successive decisions about whether to take opportunities as they are encountered or keep searching for better ones instead. We investigated individual differences related to such sequential decision-making and link them especially to apathy and compulsivity in a large online sample (discovery sample: n = 449 and confirmation sample: n = 756). Our cognitive model revealed distinct changes in the way participants evaluated their environments and planned their own future behaviour. Apathy was linked to decision inertia, i.e., automatically persisting with a sequence of searches for longer than appropriate given the value of searching. Thus, despite being less motivated, they did not avoid the effort associated with longer searches. In contrast, compulsivity was linked to self-reported insensitivity to the cost of continuing with a sequence of searches. The objective measures of behavioural cost insensitivity were clearly linked to compulsivity only in the discovery sample. While the confirmation sample showed a similar effect, it did not reach significance. Nevertheless, in both samples, participants reported awareness of such bias (experienced as “overchasing”). In addition, this awareness made them report preemptively avoiding situations related to the bias. However, we found no evidence of them actually preempting more in the task, which might mean a misalignment of their metacognitive beliefs or that our behavioural measures were incomplete. In summary, individual variation in distinct, fundamental aspects of sequential decision-making can be linked to variation in 2 measures of behavioural traits associated with psychological illness in the normal population.