Beyond Beta-Delta: The Emerging Economics of Personal Plans
探讨个人计划对行为的影响、计划形成时机及与最优决策的偏差，综述现有研究并指出知识空白，尤其关注后两个问题。
People make personal plans regarding whether, when, where, and how to undertake certain actions. We discuss three questions related to personal plans. First, what are the effects of plans on behavior? Second, when are plans formed? Third, how do plans deviate from optimality? For each of these questions, we (a) offer a brief overview of research that sheds light on the issue and (b) identify gaps in current knowledge. We emphasize connections to the growing theoretical literature that gives personal plans a substantive role, but we conclude that more research is needed, especially on the latter two questions we cover.