Recognition and Elimination of Biases
Human beings by nature have biases. And to begin the process of implementing the phases of retirement planning improvement, first you must be informed of the fact that he suffers from biases. For instance, knowing that he most probably experiences present bias creates a mental set that would lead to more saving for retirement and less indulgence in immediate pleasures. You then can take steps to prevent acting impulsively-for example by automatically investing in your retirement

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