A Very Simple Bad Decision Is To

What People Do Is They Pay The Small Loans First. Why? Because They Enjoy Making The Number Of Loans Smaller. But Of Course It Is A Very Ineffective Way To Pay Debt Down.

When Parents Have College Savings Accounts For Their Kids, Their Kids Show Higher Social And Cognitive Performance.

People Are Irrational - And Predictably So.

The Bad News Is That Ignoring The Performance Of People Is Almost As Bad As Shredding Their Effort In Front Of Their Eyes. Ignoring Gets You A Whole Way Out There. The Good News Is That By Simply Looking At Something That Somebody Has Done, Scanning It And Saying "uh Huh," That Seems To Be Quite Sufficient To Dramatically Improve People's Motivations.

The People That Lend You Money Basically Give You An Answer Based On The Risk That They Are Willing To Take. But Just Because A Bank Is Willing To Take A Particular Risk Doesn't Mean That That Is The Right Amount For Me To Spend.