"Nudge"

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1 "Nudge",an engaging and insightful tour through the evidence that most human beings don't make decisions in the way often characterized(some would say caricatured)in elementary economics textbooks,along with a rich array of suggestions for enabling many of us to make better choices,both for ourselves and for society.In many important areas of choice that matter both to the individual and to the rest of us(for example,when overuse of medical care drives up our insurance premiums and our taxes),the operative questions is not whether to bias people's decisions,but in which direction.

2.Thaler applies this line of argument to a wide array of familiar areas;saving,borrowing, energy consumption,smoking,teenage pregnancy and many others.Along the way they present fascinating findings about how people actually make decisions,together with lots of personal advice:save more,diversify your investments,don't invest much in your employer's stock,don't pay points on mortgages,etc.But their main objective is to reshape public policy, and it's clear that the suggestions they care most about apply to ways in which governments can do a better job of guiding the choices made by their citizens.The goal,in part,is to nudge people toward healthier,safer,more prosperous lives while also addressing pressing issues like environmental damage and the rising cost of health care.
3The book reviewer feels not very interesting.Thaler and Sunstein also seem naive in hoping that their program of libertarian paternalism will be equally appealing to those on the left and right.Their entire line of argument--that people frequently make decisions that are not in their own best interest,that often"free markets and open competition will tend to exacerbate rather than mitigate the effects of human."
4.many of the familiar arguments for why people should simply be left to make choices on their own,and especially for why government should stay strictly our of the way,have little practical force .If all the suggestions sounds paternalistic,that’s because it is.But the government is nonetheless nudging people in the direction that somebody thinks will make them better off.The conceptual argument is powerful,and most of the authors' suggestions are common sense at its best."Nudge" is somewhat thin on practical ideas for policy that follows from author's core insight.

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