Saving for Tomorrow, Tomorrow

It's easy to imagine saving money next week, but how about right now?

Generally, we want to spend it. Economist Shlomo Benartzi says this is one of the biggest obstacles to saving enough for retirement.

Benartzi tells the story of a crowd planning to attend a TED Talk next week. If you ask them today whether they want a banana or a piece of chocolate next week, the banana will win hands down.

But what happens the following week?

The majority of people prefer chocolate. This is because self-control is a problem now, not in the future, according to Benartzi. And this is the issue with retirement savings.

We always say we'll save more later, but when that time comes, we end up spending.

For a more detailed discussion on this topic, please feel free to contact us. Our team are always available to answer your questions and to help you with any of your financial planning needs. Here’s what we offer: A cup of coffee… and a second opinion.

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