Behavioral economics is all about humans not acting rationally as traditional economics would have you believe we do. Money isn’t the only incentive at play when it comes to doing things, although it does play a huge part.

For example, at least once I’ve (nearly) forgone being paid because of the loops you have to get through to get the money, well in Japan at least, like printing out a receipt only to put your stamp on it and then scan it and email them back (I’ve done this, and also physically sent it in the mail before).

From a New Zealand perspective, this is just insanity, and that’s almost enough to make me want to give up, even after having done the job.

And then there are things where, if you set it and forget it you don’t have to worry about it anymore. But sometimes these things are the most annoying to get set up in the first place.

I felt this when I got my original driver’s license, I should have got it much earlier than I did, and the same goes for when I started investing a few years back. But both of these things have really been paying dividends, and I’m glad I set them up when I did.

The best time to start investing is yesterday. The second best time is today. If you’ve been putting off doing something, why not do it today?