Remove sludge
Employees often face overly complex decisions with too many options, paperwork burdens, or hard-to-understand terms. These burdens, sometimes called sludge, almost always harm vulnerable and low-SES people most.
In many cases, firms can reduce or remove these burdens, or at least provide tools to help their employees make good decisions.
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The Idea of "Snudge"
Well-chosen Snudges/self-nudges can improve life. We can be our own choice architects by making certain options harder or less fun, or by eliminating them altogether.
Almost all the tools that work to nudge other people, you can use to change your own decis...
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