Автоматические владельцы сбережений

Люди очарованы богатством. Они любят наблюдать за богатыми, смакуя мысли об их прекрасных домах, роскошных отпусках, модных автомобилях и обедах для гурманов. Но если вы сделаете из этого вывод, что люди тратят много времени, планируя накопление своего собственного богатства в течение всей жизни, то вы будете неправы.

Большинство людей, кажется, не задумывается о том, сколько сэкономить от своего дохода, или о том, насколько больше могло бы быть их богатство в будущем, если бы они просто привели в порядок свои нормы сбережений сейчас. Большинство людей просто выплачивают свои ипотечные кредиты, делают обязательные вклады в свою государственную или частную пенсию (если она у них есть) и хранят немного денег на непредвиденные обстоятельства в короткосрочной перспективе. Вот и все.

Экономист Фрэнк Рамсей в известной статье, опубликованной в 1928 году, сказал, что людям свойственна “слабость воображения” в отношении того, как их действия в настоящем повлияют на их собственное будущее. Он сказал, что если бы люди думали об этом правильно, они вполне бы могли прийти к заключению о том, что они должны откладывать половину своего дохода. Тем самым накопленное богатство могло бы сделать их очень счастливыми в более поздние годы. Но, по большей части, они даже не думают об этой возможности.

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