What do you think it would take to make better—or even perfect—financial decisions?

More information or more time? Even with that, you can also use less to do more with your money. And that means less bias when it’s time to make key financial decisions.

Our feelings, muddled memories, and even faulty reasoning can all nurture our biases. So can our fears and “intuition.” Still, with a little understanding of those biases, we can start to break free of them.

When you think about retirement, what worries you more?

Spending too much too soon? Or holding back so much that you miss out on the years when you feel your best?

Many people feel that tension. Not because they haven’t planned carefully.

But because retirement can feel like a high stakes balancing act.

When researchers study how spending may change across retirement, they see patterns people may not expect.

Fast forward ten years… What decision would you look back on and wish you had made today? More often than not, regret in retirement isn’t about a single mistake. It’s about missed chances to plan ahead while you still had options.