Saving money is great for the future, but spending it is more fun now.

Research shows the occasional positive nudge really can help you stick with your goal.

Participants were told that they would win either $50, $100, or $500 in a random lottery for participating in the study, but they had to decide how much they wanted to save.

They were also assigned one of three types of accounts:

The traditional account: A typical savings account that would earn 30% annual interest over the next six months, with no restrictions on withdrawals.

This account similarly earned 30% interest.

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