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This is Optimal Finance daily episode 624.

Why is saving so hard by J money of budgets are sexy.com

and I'm Dan the guy who reads to you from some of the best blogs on personal finance,

now let's get right to our post as we optimize your life.

Why is saving so hard by J Money of Budgets Are Sexy.com.

According to this article I just read in Money Mag, it's due to scarcity of attention, which is a fancy way of saying,

we think of the now rather than the later.

Here's a clip.

Quote, there's a popular image of people who don't save for the future as lacking in self-control,

but the reason saving is so hard has less to do with self-control and more to do with the scarcity of attention.

If you have urgent current expenses to cover,

then future priorities like college and retirement fall off your radar

because they are simply less pressing.

Scarcity of attention prevents us from seeing what's really important."

It's an article by a behavioral economist, and while I agree for the most part,

I'd imagine these urgent current expenses seem pretty important too.

There may not be a tomorrow if you can't find enough money to eat, sleep, etc.

...