Human beings were not built to be good at personal finance. While evolution has been incredibly effective at helping us survive, it has done nothing to make us better savers. In fact, in a few key ways, it has made us worse.

We know that we should save more, that Americans are not saving nearly enough for retirement. And yet knowing that does not seem to impact our behavior. That’s because we are not logical in how we think about money. We are shortsighted and lack self control.

That is why Jeff Kreisler, in this article for Quartz, argues that the key to helping people save more is not scaring them, but designing tools that help them avoid their own shortfalls.

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