Behavioral economists have found that people are more willing to save if saving is the default option, as in the case in which they have to opt out of an automatic payroll deduction savings plan. Economists call this:

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The status quo bias refers to the preference for the current state of affairs, where people are more likely to stick with a default option rather than change it, such as opting out of a savings plan.

Behavioral Economists Have Found That People Are More Willing to Save