Wendy De La Rosa: 3 psychological tricks to help you save money
Wendy De La Rosa: Tres trucos psicológicos para facilitar el ahorro
Wendy De La Rosa is a co-founder of Common Cents Lab, where she focuses on using behavioral science to help people make better financial decisions. Full bio
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es importante y que deberíamos hacerlo.
cada vez ahorramos menos.
less and less of it.
de qué tan inteligentes sean,
isn't a question of how smart you are
on the environmental cues around us.
depende de indicios en nuestro entorno.
el que a un grupo de participantes
their income on a monthly basis.
their income on a weekly basis.
su salario semanal.
who saw their income on a weekly basis
veían su salario de forma semanal
throughout the month.
mejor durante el mes.
la cantidad de dinero que cobraban,
how much money people were receiving,
en el que entendían su ingreso.
in which they understood their income.
tienen un impacto importante.
like this have an impact.
that you already know.
cómo abrir una cuenta de ahorros
how to open up a savings account
para cuando se jubilen.
for your retirement.
es cómo acortar esta brecha
is how to bridge this gap
de ahorro y sus acciones.
in two different ways:
de dos formas fundamentales:
y nuestro yo del futuro.
save for retirement,
la jubilación, perder peso,
con más frecuencia.
que nuestro yo del futuro
that our future self
as our present self.
que el yo del presente.
is when you get your tax return.
es al recibir el reembolso de impuestos.
in early February,
mensajes a principios de febrero
they even filed for their taxes.
su declaración de impuestos
un reembolso de impuestos,
what percentage would you like to save?"
receive a tax refund or how much.
de impuestos, ni cuánto dinero sería.
right after they received their refund,
recibieron su reembolso:
recibieron su reembolso de impuestos,
just received their tax refund,
of their tax refund.
aproximadamente el 17 %.
a los del primer grupo,
before they even filed their taxes,
from 17 percent to 27 percent
de un 17 % a un 27 %
les preguntamos en febrero.
a su yo del futuro,
for your future self,
can save 27 percent.
puede ahorrar 27 %.
en el comportamiento del ahorro
the decision-making environment.
en que se toman las decisiones.
to harness that same power.
capaces de reforzar esto.
you can sign up your future self
comprometer a su yo del futuro
will be a little bit hard.
que hoy serían un poco difíciles.
make savings decisions in advance.
tomar decisiones de ahorro con antelación.
that binding contract.
esa responsabilidad contractual.
to your advantage.
de transición a su favor.
con una página web
share their housing.
compartir su casa.
dirigidos a ese público de 64 años.
population of 64-year-olds.
"Hey, you're getting older.
¿Estás listo para tu jubilación?
we got a little bit more specific
fuimos un poco más específicos:
¿Estás listo para tu jubilación?
señalamos que habrá una transición.
a transition is happening.
al anuncio y más gente que se registraba.
and ultimately sign-up rates, increase
"el efecto de comenzar de cero".
the "fresh start effect."
or even a new season,
o una nueva estación,
un recordatorio en el calendario
request on your calendar
you most want to do.
de lo que quieren hacer,
simples y frecuentes.
people say they regret, after bank fees,
del que la gente se arrepiente
que realizamos casi a diario,
we make almost every day,
our ability to save.
nuestra habilidad de ahorrar.
había gastado más de 2000 dólares
on ride-sharing apps.
I spent 2,000 dollars again --
gasté 2000 dólares una vez más.
alone didn't change my behavior.
no alteró mi comportamiento.
in the hole, I did two things.
4000 dólares, hice lo siguiente:
my credit card
de crédito de estas aplicaciones.
that only had 300 dollars a month.
tenía un saldo de 300 dólares mensuales.
para agregar otra tarjeta,
of adding a new card,
every barrier, changes our behavior.
cambia nuestro comportamiento.
in comparison to what we wanted.
con lo que habíamos planificado.
contando cuántas veces hicimos algo.
we've done something.
three times a week.
tres veces a la semana.
to the benefit of my husband,
mis gastos de transporte
changes that I did.
que hice en mi entorno.
that purchase is for you,
no les sea fácil realizar estos gastos.
to make it harder to do so.
irracionales al momento de ahorrar,
when it comes to saving
somos conscientes de esto
under certain environments.
en determinadas condiciones.
para ayudar nuestro yo del futuro.
to help our future selves.
ABOUT THE SPEAKER
Wendy De La Rosa - Behavioral scientistWendy De La Rosa is a co-founder of Common Cents Lab, where she focuses on using behavioral science to help people make better financial decisions.
Why you should listen
Wendy De La Rosa's work has been published in Scientific American, PBS Newshour, Forbes and Tech Crunch. In addition, she was recently named a Forbes "30 Under 30" honoree and a Daisy and Paul Soros scholar. De La Rosa is also a PhD at Stanford's Graduate School of Business focusing on consumer behavior.
Prior to starting Common Cents Lab, De La Rosa helped start Google's first behavioral economics unit, optimizing product strategy and design, customer retention and engagement, and revenue across 30+ teams. She was also a researcher at The Wharton School at the University of Pennsylvania, where she collaborated with Dr. Adam Grant on research and application projects related to organizational behavior, employee motivation and burn-out. She was also a private equity investor at Goldman Sachs.
De La Rosa holds a bachelor's in economics with a concentration in management and finance from Wharton. She graduated summa cum laude and Phi Beta Kappa. In her spare time, De La Rosa leads a monthly behavioral economic reading and discussion series.
Wendy De La Rosa | Speaker | TED.com