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."

Brands communicate in two directions: they help us tell other people something about ourselves, but they also help us form ideas about who we are.

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

Big Data is like teenage sex: everyone talks about it, nobody really knows how to do it, everyone thinks everyone else is doing it, so everyone claims they are doing it.

Money is very difficult to think about. So, we think about money as the opportunity cost of money. So, we at some point went to a Toyota dealership and we asked people, what will you not be able to do in the future if you bought this Toyota? Now, you would expect people to have an answer. But people were kind of shocked by the question. They never thought about it before. So, the most we got was people said, "Well, if I can't buy this Toyota, if I buy this Toyota, I can't buy a Honda." What is this thing? What is this value of price? Very hard to think about it.

When you get a checking account, you should have a savings account, and the number for the savings account should be one off of your checking account.

But because human being tend to focus on short-term benefits and our own immediate needs, such tragedies of the commons occur frequently .