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Because its not your fault, exactly.
Youre just not wired to save for the future.
We have an aversion to making changes, he said.
In general, it requires thinking, it requires energy and activity.
And we are cognitively lazy, essentially.
Enter impulse buys,credit card debt, no savings, and living paycheck to paycheck.
So, here are foursimple steps to overcoming 6 million years of human evolution.
Klontz said this is also true for a savings goal.
So, the first step is to create an exciting vision to fuel your savings.
Without this, success is much more difficult to achieve.
Youre delaying gratification, which youre not wired to do.
So you have to have a compelling vision that youre emotionally attached to, Klontz said.
Basically, youre going to make a budget.
But with step one completed, the motivation to allocate money toward your goals should be easier to access.
Naming them gives them a clear purpose.
So its much more difficult to rationalize pulling money out of it.
Psychologically, you are taking money from your exciting vision.
Automate Your Savings
Automation is basically a hack to protect yourself from yourself.
Its not your fault, its just your nature.
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