Shlomo Benartzi : Saving for tomorrow, tomorrow

Shlomo Benartzi at TEDSalon NY2011
Saving for tomorrow, tomorrow  (transcript)
Summary
When people take a little bit of the increase in the paycheck home, they spend more. Thus when people want to save money more, it has to be going to go away from your paycheck to the banks before you see it automatically. Pension systems are also the same.
There are temptations, gratification, and present bias that we want to use money today. However, people are lazy and it works with inertia. It is lacking action. If people do nothing or if they keep procrastinating or if they don't check the boxes, the default is automatically set and it wins powerfully.

Although this time the talk didn't mention, now companies use this way that is a credit card. We have to be careful.
And then people start looking for the ways that it's not necessary to retire or people can earn without doing something forever.

Words in this story
divert /verb/ reroute, redirect, change the course of
devise /verb/ invent, think out, plot, attempt
mortgage / convey (a property) to a creditor as security on a loan.
implicitly /adv/ without qualification: absolutely.