Name: 施洛莫·贝纳兹:为未来而存款
Uploaded: 2012-02-23T16:40:23Z
Duration: 17 min 28 s
Description: 想要下周开始存钱是很容易的，那么现在就开始怎么样？一般而言，我们总是想花钱。经济学家施洛莫·贝纳兹说，这是存钱养老的过程中最大的困难之一，同时，他还提出了问题：如何将这种行为挑战变为解决方案呢？

想要下周开始存钱是很容易的，那么现在就开始怎么样？一般而言，我们总是想花钱。经济学家施洛莫·贝纳兹说，这是存钱养老的过程中最大的困难之一，同时，他还提出了问题：如何将这种行为挑战变为解决方案呢？

施洛莫·贝纳兹:为未来而存款

Most people struggle to save for retirement, often because they favor spending now over planning for the future. In the United States, two-thirds of workers are not saving for retirement, and only a tiny fraction believe they save too much. Present bias, inertia, and loss aversion keep people stuck, even when they know better. A simple solution that lets people commit now to saving more later helps overcome these mental hurdles and dramatically boosts real-world savings.