Anybody who lives more than a single season knows that it's far easier to tend to today's needs than to focus on the future. And, indeed, such are the findings in a brief from the Center for Retirement Research at Boston College, "Dog Bites Man: Americans Are Shortsighted About Their Finances." 

The paper looked not only at how people prioritize today's needs compared with long-term financial goals, but also at whether those who are financially better off did any better at sticking to those long-term goals and whether financial literacy made any difference. 

Surprise, surprise, they didn't — in both cases.

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