We have very strong intuitions about all kinds of things — our own ability, how the economy works, how we should pay school teachers. But unless we start testing those intuitions, we’re not going to do better.

There's something about [cyclically] doing something over and over and over that seems to be particularly demotivating.

I don't think we should go around life and being miserable all the time and feel the pain of paying. It's a question of what categories we want to spend more on and what categories we want feel that we are spending too much on and we want to cut down.

Motivation, basically getting people to be happy at work, everybody - everybody benefits.

What reminds you in your environment about saving? Nothing.

It was shocking to realize how many low-income Americans don't have savings accounts.

Once you break the social norm and create a new social norm, all of a sudden it can stay with us for a long time.