I'm all for empowerment and education, but the empirical evidence is that it doesn't work. That's why I say make it easy.
Richard ThalerMost people start claiming benefits within a year of when they become eligible, although benefits increase substantially if they wait.
Richard ThalerRetirement savings is probably behavioral economists' greatest success story. It is a prototypical behavioral-economics problem because saving for retirement is cognitively hard - figuring out how much to save - and requires self-control.
Richard Thaler