Free Music For Android Motley Crue - Dr. Feelgood ringtone

[Maejewell]

Another example is from the realm of personal finance. Most Americans are pretty bad at saving money for the future, especially for that ambiguously defined golden yonder called “retirement.” And the current defaults don’t make it any easier. Many companies’ retirement plans, like 401(k)’s, are opt-in: You have to hike over to HR and get enrolled, and sometimes you have to understand a bit about investing. But an alternative strategy has seen massive success: automatic enrollment. This means that employees are enrolled by default, unless they decide not to contribute. Research shows that under these circumstances, participation in 401(k)’s skyrockets and the retirement savings don’t appear to cut savings in other accounts.

[Xzavier]

It’s true that the same mechanism that gets so many people enrolled in the first place (it’s the default), keeps them stuck at the low default contribution rate (often 3 percent). That’s not much to be contributing year after year.

[Maejewell]

(05.12.2019 20:09)Xzavier napisał(a):  It’s true that the same mechanism that gets so many people enrolled in the first place (it’s the default), keeps them stuck at the low default contribution rate (often 3 percent). That’s not much to be contributing year after year.

To combat the problem, many employers now implement automatic escalation, which means you agree upfront to raise your contribution by 1 or 2 percent every year. One variation of automatic escalation called “Save More Tomorrow” ties the increased contribution to your next pay raise, so you don’t “miss” the money so much. In a 2013 paper in Science, economist Thaler estimates that automatic escalation programs have boosted annual savings by $7.4 billion. Little defaults can add up to a lot of cash.

[Xzavier]

Defaults could also help get out the vote. Automatic voter registration would automatically sign up eligible citizens to vote when they interact with government agencies (say, to get their driver’s licenses). Instead of our current cumbersome and error-prone system that says you can’t vote unless you register, this modern reform would default to registration unless you opt out. Five states have already approved automatic voter registration measures and 24 more are considering legislation.

[CHEN]

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