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The behavior behind instant gratification

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Our brains are hard-wired to live for today. Here, behavioral expert and professor Dan Gilbert explains why this makes it so hard for us to plan for the future.

The Pulse of the Challenge Lab
Would you rather have $100 today or $110 two days from now?
Today
15%
Two days
from now
85%
Click on the options to make your guess.

Saving for retirement can be a pain

Studies show that our brains register the loss of money as actual, physical pain. So when money disappears from our paycheck and goes into our retirement account, it hurts. So how can we offset that pain?

Overcoming Temptation

Temptation is everywhere. But if we can just show a little restraint, we can enjoy much greater rewards in the future. Can we do it? We did a little experiment to find out.

What Our Searches Say About Us

The things we’re searching for say a lot about our priorities. Based on these charts, we’re thinking a lot more about today than tomorrow.

Did you know?

Our craving for instant gratification doesn’t just affect our financial planning. We can also see it in our eating habits. We know we should be eating healthy. But right now, we really want that cookie.

We all know fresh fruits and vegetables are good for us. But somehow, we get distracted by unhealthy snacks. Funny how the same thing happens when it comes to our financial future lives. There’s always something that gets in the way.