Present bias is the tendency of preferring present rewards over later rewards. It is the main problem in retirement planning. People prefer to spend the money now rather than putting it in the retirement fund. The psychological pull for present consumption leads to the delay in saving, an insufficient contribution to the retirement fund, and overall lack of security in the long run.Present bias is the tendency of preferring present rewards over later rewards. It is the main problem in retirement planning. People prefer to spend the money now rather than putting it in the retirement fund. The psychological pull for present consumption leads to the delay in saving, an insufficient contribution to the retirement fund, and overall lack of security in the long run.

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Paper Clips Nickel Plated 35mm
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