If people just put away what's left at the end of the month, that's a recipe for failure.

Most people start claiming benefits within a year of when they become eligible, although benefits increase substantially if they wait.

It turns out, that men, when they're taking care of their business, they're not fully attending to the task at hand, but, I'm sure there's an evolutionary explanation for this, if you give them a target, they will aim.

Why tie to gold? Why not 1982 Bordeaux?

It would be much more consumer friendly for them to beep you when you swipe your card that says, uh-oh you're over your limit, are you sure you want to use that?

So the world is much more correlated than we give credit to. And so we see more of what Nassim Taleb calls "black swan events" - rare events happen more often than they should because the world is more correlated.

If people just put away what's left at the end of the month, that's a recipe for failure.