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  • The Opt-Out Solution

    Tina Rosenberg

    November 01, 2010 |

    The New York Times |

    Text |

    1500-3000 Words

    Response Location: United States, Minnesota

    Americans don’t save enough - in 2005, Americans’ personal savings rate was negative for the first time since the Great Depression ─ instead of piling up savings, we are piling up debt. Two behavioral economics columns on how switching signup for a 401K plan from opt-in (say yes to be enrolled) to opt-out (say no to be un-enrolled) dramatically raises enrollment rates.

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