Insight · Leadership · Trust · Delivery · Relationships

The Trust Curve

Trust is built in deposits and broken in withdrawals. The curve is steep, both ways. Here is how to think about the deposits.

Leadership Trust Delivery Relationships
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Abstract illustration representing the trust curve as a gradual climb and steep fall.

Key takeaway

The reason trust looks like luck from the outside is that the deposits are tiny and the withdrawals are loud. Pay attention to the deposits. Make them on purpose. The trust you build over time is what carries you through the bad weeks, and the bad weeks come for everybody.

The Shape of the Curve

A trust curve looks like this in your head. The X axis is time. The Y axis is how much somebody is willing to assume the best about you when something goes wrong. At the start of a relationship the curve sits at zero. Over time, with deposits, it rises. The curve does not rise in a straight line. It rises in small steps that add up.

Withdrawals do not work the same way. A single bad call can drop the curve a year's worth of deposits in a single afternoon. The curve recovers more slowly than it fell. Sometimes it does not recover at all.

That gap, between how fast the curve climbs and how fast it falls, is the part most leaders miss. They assume the relationship is either fine or broken, with no curve in between. The curve is always between. The question is which direction it is pointing on a given week.

Mary Barra and the Two-Word Dress Code

When Mary Barra became CEO of GM, she replaced a long dress code policy with two words. "Dress appropriately." That is the whole policy. She trusted her employees to figure out what was appropriate for the work they did, the customers they met, and the day they were having.

The thing that makes that move land is what came before it. Barra had spent years inside GM. She had built a track record. People who heard the new policy knew her well enough to read it as trust, not as abdication. If a brand new CEO had walked in on day one and replaced the dress code with two words, the same words would have been received as confusion. The deposits she had already made gave the policy its meaning.

That is what trust at scale looks like. The leader's track record is the asset. The policy is just words. Without the deposits, the words do not work.

The Six-Year Business Analyst

I worked with the same business analyst for six years on a PMO team. Six years is unusual in delivery work. Most pairings rotate every couple of years for organizational reasons.

The reason it worked was the deposits. We learned how each other thought. We knew what each other would catch and what each other would miss. We had built up a curve high enough that we could finish each other's sentences in stakeholder meetings, take handoffs without losing context, and disagree in front of the room without anybody getting defensive.

There was one meeting where the curve paid off in a way I will not forget. You know the scene in a movie where the main character is in an important meeting and people in the room are trying to poke holes in the idea, trying to get the character to slip up on something they had not thought through or did not have the data on? I was the main character. The room was that kind of room. The difference was that I had the answers. She was sitting next to me anticipating every question. While I was answering question A, she was already pulling up the information I would need for the follow-up. She stayed ahead of the room. The room could not catch us. At that moment I felt we could accomplish anything.

The pairing produced unusual quality not because either of us was unusual on our own, but because the curve had gotten high enough to support work that newer pairings could not.

When that pairing ended for organizational reasons, both of us started over with new partners. The curves reset. The work was fine. The work was not the same.

I have never rebuilt that curve. I have people I trust. I have people I work closely with. I have never found another partner like she was to me.

What a Withdrawal Actually Looks Like

A withdrawal is rarely the dramatic moment people imagine. Most of the withdrawals I have watched happen were small. A leader missed a meeting they had said they would attend. A leader took credit for somebody else's work in a senior meeting. A leader said yes to a stakeholder in private and then changed the answer in public. None of these are unusual. None of these are catastrophic on their own. Each one moves the curve down a notch, and the curve does not forget.

I have one of my own. Somebody asks me for something small and I say I will have it to them next Monday. Monday comes and I do not have it. The thing was small enough that I did not put it on the list. The promise was casual enough that I forgot the weight a casual promise carries. Each time I miss one of those, the curve falls a notch. I have watched the cost compound. People who used to wait on my word started checking in earlier. Then earlier. Then they stopped trusting the date and started asking me twice. That is a leader getting micromanaged by his own pattern, and the pattern is mine.

A friend always told me: what you say counts a lot, what you do counts a lot more. The big withdrawals come from the gap between those two. A new policy that contradicts the value statement. A promotion that contradicts the stated criteria. A reorg that contradicts the sponsor's commitment from the quarter before. The team can usually handle a hard call. They cannot handle a hard call that contradicts a previous easy promise.

The way to manage withdrawals is to notice them and to repair them. Notice means saying the words out loud. "I missed that meeting. I am sorry. Here is what I will do differently." Repair means doing it. Most withdrawals can be repaired if they are seen. Withdrawals that go unseen accumulate.

Key insight

Deposits compound slowly. Withdrawals show up fast.

The Deposits Nobody Notices

The deposits that matter most are the ones that almost nobody notices.

Showing up to the meeting on time, every time. Returning the email by the end of the day. Following up on the question somebody asked you in the hallway last week. Saying the thing you said you would say in the room with the executive. Defending the team to the executive when the team is not there. Crediting the person who did the work, by name, in front of their leader.

None of these are heroic. Each of these is a small deposit. Over months and years, they compound. The compound interest is what your team draws on when something goes wrong and they have to decide whether to assume the best about you.

I have watched leaders try to skip the deposits and go directly to the asset. They cannot. There is no way to manufacture trust on a deadline. There is only the long, slow process of acting like somebody worth trusting, week after week, until the curve gets high enough to carry the next hard week.

Trust Outlasts the Company

The strangest property of the trust curve is that it travels with you. People you built trust with at one company will pick up the phone two companies later. People you withdrew from will not, even if the company on the door has changed twice.

I have seen this both ways. I have called somebody from an old career and gotten an answer in twenty minutes because the curve was still high. I have watched colleagues call former peers and get nothing back because the curve had fallen years ago and never recovered.

The lesson is simple, and a little uncomfortable. The trust you build is yours. So is the trust you break. The company on your business card cannot fix either one for you.

If you want to be trusted, make deposits on purpose. Show up. Follow through. Credit the people who did the work. Defend the team in rooms they are not in. Notice when you have made a withdrawal and repair it before it accumulates. The curve takes a long time to climb and almost no time to fall. Pay attention to the deposits, and the curve takes care of itself.

How this insight supports different learners

R Readers

See trust as a curve, not a switch.

L Listeners

Notice the deposits and withdrawals around them this week.

D Doers

Pick three deposits to make on purpose this week and watch what they cost you. Almost nothing.

O Observers

Watch a leader who lets the curve fall and another who repairs it.

Questions this insight answers

  • Why does it take so long to be trusted by a new team?
  • What is the difference between a deposit and a withdrawal?
  • How do I repair trust after I broke it?
  • Why does the curve fall faster than it climbs?
  • What kinds of deposits actually count?

How I lead

This insight demonstrates Method Follows People

A delivery method is built on the trust the people running it have for each other. Without the curve, the method cannot do its job. With the curve, almost any method works.

Build trust in the small moments and the hard ones carry themselves.