Financial habits: Don't discount the future

This article examines why people are not saving enough for retirement and behavioural economics can encourage people to save towards their retirement earlier in working life and become more engaged in the process.

Financial habits: Don't Discount the Future

Crawford HollingworthThe Behavioural Architects

This is Part Three of a three-part series. Read Part One and Part Two

In Spanish, the word for retirement is jubilacion. However, whilst we might dream of the day when we can pack in our job and spend our remaining years travelling, spoiling the grandchildren and generally relaxing, the realistic prospect of such a jubilant future is looking less certain.

Figure 1: BBVA's Retirement plans

In the UK, this is due in part to the switch in pension schemes and...

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