Overview
Operators have a general intention to save but often fail to do so. One reason for this is that they don’t have heuristics, or simple rules of thumb, for when, how, and how much to save. Additionally, when money is labeled for “savings,” people are less likely to dip into it, even if there are no restrictions on access. While this is a useful feature of savings accounts, it can, paradoxically, make it harder to set aside the money initially.
