Name: 施羅莫·本納茨：為明天而節約
Uploaded: 2012-02-23T16:40:23Z
Duration: 17 min 28 s
Description: 想像從下星期開始存錢很容易，但是為甚麼不是現在呢？一般來說，我們想要花錢。經濟學家本納茨說這是我們存退休金的最大障礙。他提出一個問題：我們怎樣把行為性挑戰變成行為性的解決方案呢？

想像從下星期開始存錢很容易，但是為甚麼不是現在呢？一般來說，我們想要花錢。經濟學家本納茨說這是我們存退休金的最大障礙。他提出一個問題：我們怎樣把行為性挑戰變成行為性的解決方案呢？

施羅莫·本納茨：為明天而節約

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.