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If the typical employee fails to save enough despite non-stop education, imagine what happens when it comes to myopic decision making, cognitive bias, and the ravages of recency.

I experienced something very strange last week. A college classmate and I were finishing a thought outside the hotel where I was staying. Our conversation began at dinner and continued as we walked down Lexington Avenue. We stopped to wrap things up outside the Gramercy Park Hotel. It was early evening and the smart set was just getting started.

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