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Episode 17: Retirement Savings Behavior Part 2
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In this episode, we continue our discussion on the importance of retirement savings and why most individuals don't save enough. We talk about the mistakes people make with retirement, how to improve spending decisions, and finish with a discussion on why some people save too much.
00:00 Introduction and Short Life Update
03:45 Understanding Your Net Pay (and How much You Make per Hour)
06:40 Automatic Millionaire (Retirement Contributions Post-Graduation)
12:00 Making Financial Decisions Based on Net Paycheck (Not Gross)
15:00 Understanding Your Net Hourly Earnings (and Spending Decisions)
20:00 Why We Don't Save - Short-Sightedness and Emotional Decisions
22:20 Why Young (Old) Investors are Invested Too Conservatively (Aggressively)
27:35 Retirement Plan Design (SMartT Plan)
31:40 Helping Asset Allocation? Target Date Fund
38:40 Wandering Asset Allocation
40:00 Why People Save Too Much!
Reference: Net Paycheck Category https://www.paycheckcity.com/calculator/salary
I hope you enjoy the content and learn all about the topic of Behavioral Finance. I've set up the first few podcasts as mini-lectures of my Behavioral Finance course that I teach at Butler University each semester. The goal of this podcast is to provide a comprehensive look into the topic of Behavioral Finance - for free!
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