Other successful government programs
: “Policymakers around the World Are Embracing
Behavioural Science,”
The Economist, May 18, 2017,
https://www.economist.com/news/international/21722163-experimental-iterative-data-driven-
approach-gaining-ground-policymakers-around
.
people who make a specific plan for when and where
: Edwin Locke and Gary Latham, “Building
a Practically Useful Theory of Goal Setting and Task Motivation: A 35-Year Odyssey,”
American Psychologist 57, no. 9 (2002): 705–717, doi:10.1037//0003–066x.57.9.705.
hope is usually higher
: Hengchen Dai, Katherine L. Milkman, and Jason Riis, “The Fresh Start
Effect: Temporal Landmarks Motivate Aspirational Behavior,”
PsycEXTRA Dataset, 2014,
doi:10.1037/e513702014–058.
writer Jason Zweig noted
: Jason Zweig, “Elevate Your Financial IQ: A Value Packed Discussion
with Jason Zweig,” interview by Shane Parrish,
The Knowledge Project, Farnam Street, audio,
https://www.fs.blog/2015/10/jason-zweig-knowledge-project
.