People Are Willing To Work

If You Have Loans, The First Thing You Want To Do Is Say, "okay, Look I Have A Credit Card, If I Really Need To Borrow, I Have This Emergency Money That I Can Get, But For Now There Is No Reason For Me To Keep Cash At Zero Percent Interest Rate And At The Same Time, Pay All Of This Money Out. So, I Think People Need To Figure Out Quickly How To Pay Loans And How Much Cash They Should Really Keep.

That When Given The Opportunity, Many Honest People Will Cheat.

I Don't Think We Should Go Around Life And Being Miserable All The Time And Feel The Pain Of Paying. It's A Question Of What Categories We Want To Spend More On And What Categories We Want Feel That We Are Spending Too Much On And We Want To Cut Down.

We Have Very Strong Intuitions About All Kinds Of Things — Our Own Ability, How The Economy Works, How We Should Pay School Teachers. But Unless We Start Testing Those Intuitions, We’re Not Going To Do Better.

What Reminds You In Your Environment About Saving? Nothing.