Saving for retirement is smart.But why is it so hard?
The answer may be in your head. Researchers have identified five common human behaviors that can get in the way of planning for your future. The key to overcoming them is recognizing them.
I might live how long?
When it comes to preparing for the future, thinking about your future self can be the hardest part.
Finding out about the way we look at longevity can change everything.
Interactive Tool Your Retirement Days
What do the retirement dollars you've saved look like when you turn them into retirement days? Finding out now can help you better prepare for a retirement that could last longer than you expect.Use the Tool—Your Retirement
Interactive ToolMapping your Retirement
Where do you want to retire? And what will your life be like? Find out how much your retirement will cost in over 300 cities, suburbs and small towns all across America.Use the Tool—Map My Retirement
I'll do it later.
It's easier to daydream about retirement than spend the time you need to plan for it.
Find out how to stop putting off planning your financial future.
VideoCan procrastination make us more productive?
Studies show our brains get fatigued from all the little decisions we make every day. So what happens if we take a break?Watch—Episode Two: I'll do it later
Interactive ToolThe Procrastination Quiz
We worked with a procrastination expert to identify six distinct procrastination types. Discover which type you are, and understand why you may be putting things off.Use the Tool—The Procrastination Quiz
It won't happen to me.
Spending more time thinking about the good things in our future and less time imagining the bad ones
can leave us overly optimistic—and unprepared for the worst.
VideoThe Optimism Bias
We hosted a seminar to tell people about the tendency to be overly optimistic about the future. They thought they were just there to listen—they didn't realize they'd be part of it.Watch—Episode Four: The Optimism Bias
Interactive ToolThe Game of Odds
As humans, our perception of risk and reward is often drastically different from reality. Let's see if we can align our perceptions more closely to the realities.Use the Tool—The Game of Odds
I just can't resist.
When everyone's doing something, we assume there's a good reason, and we follow along.
But sometimes, that gets us into trouble.
Video Fight the Urge to Follow Others
When everyone's doing something, we assume there's a good reason, and we follow along. But sometimes that gets us into trouble. Behavioral expert Dan Gilbert explains why.Watch—Following the Pack
Interactive ToolWhat's Your Investing Age?
How does your investing style compare to others your age?Use the Tool—What's Your Investing Age?
I want it now.
How resisting short-term impulses can lead to long-term gratification.
Temptation is everywhere. But if we can just show a little restraint, we can enjoy much greater rewards in the future. Can we do it? We did a little experiment to find out.Watch — The Marshmallow Experiment
Interactive ToolThe Auto Pay Analyzer
Automatic payment services make it easy to spend a lot of money without even realizing it. Use this calculator to see how your payments add up over time.Use the Tool–Autopay Analyzer