Are You an Ant or a Grasshopper?

"Non-savers... prefer immediate gratification while savers, no surprise, prefer future satisfaction," according to Robert Powell who explains the practical implications of behavioral psychology research. He asks: "why do some people have trouble with self-control and others not so much? And, more important, what can you do if you’re having trouble with self-control — that is, saving for retirement?" Powell translates academic research into easy to understand concepts to help you change your behavior by using "commitment devices" such as “goal clarification, self-evaluation, and deadline setting." Check out these sensible strategies at: http://www.marketwatch.com/story/dont-put-off-saving-for-retirement-2014-01-18?pagenumber=1