What you should do is wait until the end of each month, and then say, "OK, how much money do I have? How much do I need? Let me send the rest to retirement."

Marketing is all about providing information that will heighten someone's anticipated and real pleasure.

None of us always make the best financial decisions.

If we all make systematic mistakes in our decisions, then why not develop new strategies, tools, and methods to help us make better decisions and improve our overall well-being? That's exactly the meaning of free lunches- the idea that there are tools, methods, and policies that can help all of us make better decisions and as a consequence achieve what we desire-pg. 241

When it comes to the mental world, when we design things like health care and retirement and stock markets, we somehow forget the idea that we are limited. I think that if we understood our cognitive limitations in the same way that we understand our physical limitations … we could design a better world.

When people are in severe pain, there's an expression, you're a "pain person," and what that means is that nothing else matters.

The experiments show quite clearly that, as you resist more and more temptation, you're actually more and more likely to fail.