Every American worker should be able to save for retirement via payroll deductions.

I think we also have learned the lesson that we have to have better incentive structures.

The lesson from behavioral economics is that people only save if it's automatic.

When should we nudge and when should we shove, I think, it's a political judgment. Obviously in some situations we need shoves, we need laws. Fraud is against the law, murder is against the law, drunk-driving is against the law. We don't need just nudges.

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.

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

So, what's a nudge? A nudge is some small feature of the environment that attracts our attention and alters our behavior.