Wendy De La Rosa: 3 psychological tricks to help you save money
Wendy De La Rosa is a co-founder of Common Cents Lab, where she focuses on using behavioral science to help people make better financial decisions. Full bio
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less and less of it.
isn't a question of how smart you are
on the environmental cues around us.
their income on a monthly basis.
their income on a weekly basis.
who saw their income on a weekly basis
throughout the month.
how much money people were receiving,
in which they understood their income.
like this have an impact.
that you already know.
how to open up a savings account
for your retirement.
is how to bridge this gap
in two different ways:
save for retirement,
that our future self
as our present self.
is when you get your tax return.
in early February,
they even filed for their taxes.
what percentage would you like to save?"
receive a tax refund or how much.
right after they received their refund,
just received their tax refund,
of their tax refund.
大約 17% 的退稅。
before they even filed their taxes,
from 17 percent to 27 percent
for your future self,
can save 27 percent.
the decision-making environment.
to harness that same power.
you can sign up your future self
will be a little bit hard.
make savings decisions in advance.
that binding contract.
to your advantage.
share their housing.
population of 64-year-olds.
"Hey, you're getting older.
we got a little bit more specific
a transition is happening.
and ultimately sign-up rates, increase
the "fresh start effect."
or even a new season,
request on your calendar
you most want to do.
people say they regret, after bank fees,
we make almost every day,
our ability to save.
on ride-sharing apps.
I spent 2,000 dollars again --
alone didn't change my behavior.
in the hole, I did two things.
my credit card
that only had 300 dollars a month.
of adding a new card,
every barrier, changes our behavior.
in comparison to what we wanted.
we've done something.
three times a week.
to the benefit of my husband,
changes that I did.
that purchase is for you,
to make it harder to do so.
when it comes to saving
under certain environments.
to help our future selves.
ABOUT THE SPEAKERWendy De La Rosa - Behavioral scientist
Wendy De La Rosa is a co-founder of Common Cents Lab, where she focuses on using behavioral science to help people make better financial decisions.
Why you should listen
Wendy De La Rosa's work has been published in Scientific American, PBS Newshour, Forbes and Tech Crunch. In addition, she was recently named a Forbes "30 Under 30" honoree and a Daisy and Paul Soros scholar. De La Rosa is also a PhD at Stanford's Graduate School of Business focusing on consumer behavior.
Prior to starting Common Cents Lab, De La Rosa helped start Google's first behavioral economics unit, optimizing product strategy and design, customer retention and engagement, and revenue across 30+ teams. She was also a researcher at The Wharton School at the University of Pennsylvania, where she collaborated with Dr. Adam Grant on research and application projects related to organizational behavior, employee motivation and burn-out. She was also a private equity investor at Goldman Sachs.
De La Rosa holds a bachelor's in economics with a concentration in management and finance from Wharton. She graduated summa cum laude and Phi Beta Kappa. In her spare time, De La Rosa leads a monthly behavioral economic reading and discussion series.
Wendy De La Rosa | Speaker | TED.com