My mantra is if you want to help people accomplish some goal, make it easy.

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

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.

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

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

People exaggerate their own skills. they are optimistic about their prospects and overconfident about their guesses, including which managers to pick.

"Save more tomorrow" is a nudge to help people do what they know they want to do, which is save more, but they can't bring themselves to save more now. Just like many of us are planning to go on diets next month, or maybe in two months, certainly not tonight.