Choosing outcomes versus choosing products: Consumer-focused retirement
investment advice

Increasing saving behavior through age-progressed renderings of the future self

Daniel Goldstein: 「現在の自分」と「未来の自分」との戦い

「現在の自分」と「未来の自分」との戦い

日々私たちは物事を選択、決定していますが、それが未来の自分に良い影響を及ぼすこともあれば悪影響をもたらすこともあります。ダニエル=ゴールドステインは、長期的に未来を想像しやすくする選択ツールを作り出しました。これで私たちは未来の自身にとってより賢明な選択をしていくことができるのです。

People constantly struggle between short-term temptations and long-term goals, often letting immediate impulses undermine their future well-being. The classic tale of Odysseus and the Sirens illustrates the oldest 'commitment device'—a strategy to protect the future self from present urges. Modern tools now help people visualize future outcomes, like using software to age a photo or simulate retirement scenarios. By making the future self more vivid and real, individuals are more likely to make choices that benefit them in the long run.