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Saving for retirement is smart. So why do we find it so hard to start?
The answer may be all in your head. New research identifies five common human behaviors that can get in the way of planning for your financial future. The key to overcoming them is understanding them.Learn more: Take the Attitudes Quiz
Procrastination I‘ll do it later
It's easier to daydream about retirement than spend the time you need to plan for it. Find out how to stop putting off planning for your financial future.
We all procrastinate more than we’d like. So what if we stopped? Could we really accomplish more?
ToolsProcrastination Personality Test
We worked with a procrastination expert to identify six distinct procrastination types. Discover which type you are, and find out why you may be putting things off.
Optimism Bias It won’t happen to me
Spending more time thinking about the good things in your future and less time imagining the bad ones can leave you overly optimistic—and unprepared for the worst.
VideoThe Optimism Bias
See what happens when we hosted a seminar to tell people about the human tendency to be overly optimistic about the future.
ToolsThe Game of Odds
How good are you at assessing risk in your life? Play this game to see how prepared you really are for the unexpected.
The Longevity Disconnect I might live how long?
When it comes to preparing for the future, thinking about your future self can be the hardest part. Find out how the way you look at longevity can change everything.
It can be hard to imagine ourselves far in the future. But the more we think about it, the better we'll be able to prepare.
ToolsMap My Retirement
Where do you want to retire? And what will your life be like? Find out how much your retirement could cost in over 300 cities, suburbs and small towns all across America.
Overreaction I just can’t resist
When everyone's doing something, we assume there's a good reason, and we follow along. But sometimes that gets us in trouble.
VideoEverybody’s Doing It
Our desire to fit in with the group is so strong that it can make us change our behaviors. Even when we know that the group is wrong.
ToolsTime to go with your gut?
Predicting the ups and downs of the market is trickier than you think. See why emotional reactions can hurt us in the long run.
Impulse Control I want it now
Would you rather have $100 today or $110 two days from now? The desire for immediate gratification could have a big impact on your future.
Temptation is everywhere. But if you can show a little restraint, you could enjoy much greater rewards in the future.
ToolsThe Auto-Pay Analyzer
Try this calculator to see how automatic payment services make it easy to spend a lot of money without even realizing it.
Your Retirement Plans Resources & Quick Actions
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Get contact info for your plan counselors and administrators.View contacts
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Register to review your account details and investments.Create an online account
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