El truco de Richard Thaler que cuadruplicó el ahorro y México no usa

Did you know that when you retire with the new Afores (retirement savings accounts), you'll only receive 27.7% of your final salary, the lowest rate in the entire OECD? In this episode, I explain Save More Tomorrow (SMART), the program Richard Thaler designed with Shlomo Benartzi that quadrupled the savings of millions of workers in the United States. It's not financial education; it's behavioral engineering: use three cognitive biases to your advantage instead of fighting against them. ────────────── 🕐 TIMESTAMPS (approximate — adjust with final cut) 00:00 — Intro: The Harsh Reality of Retirement in Mexico 02:30 — Who Was Richard Thaler and What Is Save More Tomorrow? 06:00 — The 3 Biases That Sabotage Your Savings 14:00 — The Results: From 3.5% to 13.6% in 40 Months 18:30 — Why Mexico Hasn't Pressed the Button 22:00 — Risks and Fine Print of the Program 26:00 — How to Implement It: You, Your Company, and the Government 32:00 — Recap and Closing ────────────── THE INFORMATION IN THIS PODCAST IS NOT INVESTMENT ADVICE. Nothing contained in this podcast constitutes tax, accounting, regulatory, legal, insurance, or investment advice, nor does it represent an offer, solicitation, or recommendation to buy, sell, or carry out any transaction involving securities, collective investment schemes, financial instruments, or services.