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The author is with the Office of Retirement Policy, Office of Retirement and Disability Policy, Social Security Administrationpp.10941100Personal contact, individuation, and the better-than-average effectThe Behavioral Economics Guide Overview of Behavioral Finance The Institute of Behavioral Finance Stirling Behavioural Science Blog, of the Stirling Behavioural Science Centre at University of Stirling Society for the Advancement of Behavioural Economics Behavioral Economics: Past, Present, Future Colin FSunsteinRules of thumb and System1 processingCognitive Psychology 38(1): 79–109Behavioral economics^ Paul HThe inclusion of patient testimonials in decision aids: Effects on treatment choices^ "Uri Gneezy"Research in JDM and behavioral economics1 offers insights into how individuals may behave when deciding if, how, and when to save for retirementWhy are benefits left on the table? Assessing the role of information, complexity, and stigma on take-up with an IRS field experimentAmIncentives work less well when the structure of the incentive is complicated and when the link between effort and outcomes is less clear (the multitasking problem)
17 Automatic IRAs may also succeed in part because of procrastination, in that individuals who intend to opt out of the plan may procrastinate and remain enrolled, all the while accumulating retirement funds2001).Framing need not be relative to a reference point to have an impact, as in the previous exampleResearch has evaluated several different types of interventions designed to help individuals carry out the intentions they themselves have, many of which have been or could be fruitfully incorporated into public policy.The intervention that has received perhaps the most attention in academic, media, and policy circles is changing the default option—the outcome that happens if agents do nothingBehavioral Public Finance: Toward a New AgendaIn contrast, the lessons from psychology have often seemed less clear-cut, no matter how interesting or suggestive they may have beenSoc1986Thaler1992The authors demonstrated that framing even affected individuals' recollection of earlier behaviorHsee, and Ned WelchNBER WorkReducing the influence of anecdotal reasoning on people's health care decisions: Is a picture worth a thousand statistics? Medical Decision Making 25(4): 398–405The most effective intervention studied was replacing the standard IRS mailing with one that incorporated a simplified message about potential eligibility and a simplified worksheet for calculating the potential amount of the creditdoi:10.1016/j.geb.2003.06.003 07f867cfac