"Our logical brain can see the consequences of our actions, but our emotional brain has trouble imagining the future," explains Harvard professor David Laibson, an author of the study.

“大脑理智的一面可以看到我们行为的结果，但大脑情绪化的一面无法做到这点”，其中一位研究者，哈佛的大卫·莱布森解释道。

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David Laibson, an economist at Harvard University, believes that the problem is lack of self-control.

ECONOMIST: The sorry state of saving