Behavioural finance forces you to clearly and realistically set goals since you will be considering future needs, inflation, healthcare costs, and lifestyle changes. Financial advisors often use behavioural finance techniques by asking you probing questions about future expectations to help client’s better estimate.
A good retirement plan will always account for both expected and unexpected expenses. Since your brain won't likely recall both, you'll be more prudent in your later accounting for those liabilities, and you will make sure your savings and investment strategy fit realistic expectations.

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