Creierul tău te tratează pe tine, cel de peste 10 ani, ca pe un străin-de-asta nu economisești

Romanian banks invested heavily in financial education, yet behavioral changes in saving are minimal. Research by Rodica Ianole-Călin reveals that people perceive their future selves as strangers, affecting their saving habits. The brain's response to future planning is similar to thinking about an unknown person, leading to a disconnect in motivation. Automatic pension systems yield better results than voluntary ones, as they require less active decision-making. Ianole-Călin suggests strategies like delaying decisions under pressure and assigning identities to money to improve financial discipline. Ultimately, the focus should be on designing systems that facilitate better saving behaviors rather than solely increasing financial knowledge.