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

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.

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.

A company invites their employees to sign up for a plan where every time they get a raise, some part of that raise goes to increasing their contribution rate to the 401k plan. In the first company we convinced to adopt this plan, saving rates tripled.

There are cases when I can make myself better off by restricting my future choices and commit myself to a specific course of action.

Why tie to gold? Why not 1982 Bordeaux?

If rather than setting the minimum balance as the lowest possible amount, so we keep people in debt for as long as possible, we raise the minimum payment and encourage people to pay off their credit cards, we're going to make less money, but we're going to have costumers that are more solvent.