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Behavioral Economics

Innovations to support families living in poverty


It is often very difficult to make up one's mind. The difficulty may be due to the complexities of the issues involved, or to the limited number of facts available for consideration, or certain fears that overshadow the horizon, or a general habit of indecision that has developed over the years...Of course, one must never forget that postponing a decision may be to decide by default. It is the nearest illusion to think that, if I do not make up my mind, events that are contingent upon me and my decision will await my pleasure.

Howard Thurman, 1900 - 1981