[태그:] temporal discounting

Some people find it more difficult to delay rewards than others. In three experiments, we tested a “future self-continuity” hypothesis that individual differences in the perception of one’s present self as continuous with a future self would be associated with measures of saving in the laboratory and everyday life. Higher future self-continuity (assessed by a novel index) predicted reduced discounting of future rewards in a ...

Many people fail to save what they will need for retirement. Research on excessive discounting of the future suggests that removing the lure of immediate rewards by precommitting to decisions or elaborating the value of future rewards both can make decisions more future oriented. The authors explore a third and complementary route, one that deals not with present and future rewards but with present and ...

 Despite increases in the human life span, people have not increased their rate of saving. In a phenomenon known as ‘temporal discounting’, people value immediate gains over future gains. According to a future self-continuity hypothesis, individuals perceive and treat the future self differently from the present self, and so might fail to save for their future. Neuroimaging offers a novel means of testing this hypothesis, ...