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Dreams require down payments. Dreams are free, but the journey isn't. There is a price to pay. When you find your why you'll find your way. When you develop your will you will embark on your way. Many people start; few people finish. Many people have a dream; few people achieve their dreams.

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Richard Thaler

A good rule of thumb is to assume that everything matters.

Everything, Matter, Matters, Risk, Thumb, Thumbs
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When an economist says the evidence is "mixed," he or she means that theory says one thing and data says the opposite.

Data, Evidence, Mean, Mixed, Opposites, Theory

My mantra is if you want to help people accomplish some goal, make it easy.

Goal, Make, People, Want

So, what's a nudge? A nudge is some small feature of the environment that attracts our attention and alters our behavior.

Alters, Attention, Behavior, Environment, Nudge, Small

The lesson from behavioral economics is that people only save if it's automatic.

Automatic, Behavioral, Economics, Lessons, People

There's no reason to think that markets always drive people to what's good for them.

Markets, People, Reason, Think, Thinking
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