評(píng)論
打印
Now how can we think about health behaviors to think about savings?
我們能將健康相關(guān)的行為比作儲(chǔ)蓄行為么？
Well, think about smoking, for example. Smoking is in some deep sense negative savings.
例如，吸煙這個(gè)事情，吸煙可以看作反向的儲(chǔ)蓄。
If savings is current pain in exchange for future pleasure, smoking is just the opposite.
如果儲(chǔ)蓄是增加當(dāng)下的痛苦增加未來的快感，那么吸煙的效果正好相反。
It's current pleasure in exchange for future pain.
吸煙用未來的痛苦換取當(dāng)下的快感。
What we should expect then is the opposite effect.
我們假設(shè)吸煙跟語言時(shí)態(tài)的關(guān)系應(yīng)該跟儲(chǔ)蓄的關(guān)系相反。
And that's exactly what we find.
我們的統(tǒng)計(jì)支持了我們的推斷。
Futureless language speakers are 20 to 24 percent less likely
語言沒有區(qū)分將來時(shí)態(tài)的家庭成員相比而言
to be smoking at any given point in time compared to identical families,
在任何時(shí)間段中吸煙的可能性相比都要少20%到24%，
and they're going to be 13 to 17 percent less likely to be obese by the time they retire,
在他們退休的時(shí)候超重的可能性相比少13%到17%，
and they're going to report being 21 percent more likely to have used a condom in their last sexual encounter.
在最后一次性行為中使用安全套的概率要高21%。
I could go on and on with the list of differences that you can find.
我可以這么一直不停地列舉下去。
It's almost impossible not to find a savings behavior for which this strong effect isn't present.
很難找到語言時(shí)態(tài)特征對(duì)于儲(chǔ)蓄行為沒有影響的實(shí)例。
My linguistics and economics colleagues at Yale and I are just starting to do this work
我和在耶魯?shù)牡恼Z言學(xué)同事和經(jīng)濟(jì)學(xué)同事剛剛開始這項(xiàng)研究，
and really explore and understand the ways that these subtle nudges
探索和理解每次我們說話的時(shí)候
cause us to think more or less about the future every single time we speak.
（語言）對(duì)于我們的未來的輕微的影響。
Ultimately, the goal, once we understand how these subtle effects can change our decision making,
最終的目標(biāo)是，一旦我們理解了這些微妙的效果是如何影響到我們的決策的，
we want to be able to provide people tools so that they can consciously make themselves better savers
我們希望可以為人們提供更好的工具，讓他們?cè)谖磥?/div>
and more conscious investors in their own future. Thank you very much.
理性的存錢，理性的投資。非常感謝。
