Research Summaries
What academic and behavioral research actually says about saving, money habits, and community finance.
All Research
Behavioral Economics
Save More Tomorrow (Thaler & Benartzi, 2004)
A landmark behavioral-economics program that increased employee savings rates from 3.5% to 13.6% over 40 months by asking workers to pre-com…
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Behavioral Economics
Mental Accounting Matters (Thaler, 1999)
Richard Thaler shows that people treat money differently depending on which mental "account" it sits in — a windfall, a paycheck, a savings …
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Behavioral Economics
Why Small Daily Habits Work
Across habit research, the strongest predictor of a behaviour surviving is not motivation or size — it is repetition at low cost. Small dail…
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