Hershfield et al., “Increasing Saving Behavior.”

Ibid., citing Hal Erner-Hershfield, M. Tess Garton, Kacey Ballard, Gregory R. Samanez-Larken, and Brian Knutson, “Don’t Stop Thinking About Tomorrow: Individual Differences in Future-Self Continuity Account for Saving,” Judgment and Decision Making 4 (2009): 280–86.