Starting with your future self and looking back to your current self increases likelihood of saving
Their level of technology and services makes up for it; it’s vice versa with little banks
Encouraging pre-commitment to a future behavior helps people do hard things — but it can backfire
A behavioral nudge passes a real-world test with 6,000 workers
A 12-month high in local unemployment triggers savings behavior
A review of academic research finds the path to saving more and spending less often involves emotional prompts
Tweaking 401(k) website design and language can significantly boost worker contributions, yet HR doesn’t always see these opportunities
Aiming high, with some flexibility to trip up along the way, spurs greater success
Immigrants show saving tendencies that carry through several generations
Researchers find little commonality among haters of the difficult-to-sell retirement products, except when discussing fairness
Daily, weekly and monthly contribution schemes gauge behavior
A monthly check, not just a pile of cash: Studies demystify the instruments too few are using
Innumerable nudges help savings accumulation; now researchers turn to decumulation