Name: 【TED】施羅莫·本納茨：為明天而節約 (Shlomo Benartzi: Saving for tomorrow, tomorrow)
Uploaded: 2013-05-06T15:59:36.000Z
Duration: 17 min 46 s

現在進行式

I'm going to talk today about saving more,

to 不定詞

I'm going to talk about Save More Tomorrow.

是來自芝加哥大學理查德泰勒和我一起

how we could really use behavioral finance.

Now you might ask, what is behavioral finance?

於是你會問，甚麼是行為經濟學？

So let's think about how we manage our money.

讓我們來思考我們平時是怎樣理財的

在他們支付能力範圍之內最大的房子

事實上比可支付範圍還要稍大一些

for being the bad guys who gave them the mortgages.

for example, investing in the stock market.

Two years ago, three years ago, about four years ago,

我打賭這裡擁有iPhone的人中的大多數

you're implicitly buying insurance by having an extended warranty.

你通過加買的質保暗中給手機買了保險

為你的iPhone買了保險卻沒有為你的生命買保險

We're not doing that well when it comes to insurance.

在買保險的方面我們做得也不是很好

How many of you spend a thousand dollars a year on lotteries?

你們中有多少人一年會花1,000美金買樂透？

So that tells us that the people not in this room

那麽這告訴我們有些不在這個房間裡的人

所以最終平均才會等於一千美金

spend a lot more than a thousand on lotteries.

一年在樂透上花費了超過一千美金

We're not doing a great job managing money.

Behavioral finance is really a combination

為甚麼人們在金錢問題上會犯錯

for the 12 minutes and 53 seconds that I have left

and at the end you're going to ask, "How can we help people?"

到最後你會問，“我們怎樣幫助人們？”

And that's what I really want to focus on today.

and then turning the behavioral challenges

And we're going to look at their saving behavior.

They cannot have money go away from their paycheck

What about the remaining half of the people?