![]() ![]() The intended action of increasing savings resulted from employing a low cost, low tech, low participation technique that could reduce the number of individuals that will not be “retirement ready. Yee and Bailenson (2007) theorized the Proteus effect as a top-down effect in which the appearance and traits of an embodied avatar in VR influence ones self-perception and behavior. However, the differences in means indicate positive correlation between savings rates and receiving a negatively framed e-mail with a picture of and from their future self. The results were inconclusive due to insignificant t-tests for all hypotheses. Additionally the e-mail’s framing affect and whether adding a picture would enhance the effect were tested. More important, studies have shown that people infer their expected behaviors and attitudes from observing their avatars appearance, a phenomenon known as the Proteus effect. MTurk experiments were used to test whether e-mails from someone else or from their future self would increase retirement savings. Virtual environments allow individuals to dramatically alter their self-representation. ![]() The purpose of this study is to understand why Americans are not saving enough for retirement. The way a question is asked or information is presented can influence the retirement decisions people make in a positive way for their future self. The Proteus Effect in this experiment is assuming another’s identity and creating the desire for the present to become the future self. The Proteus Effect is the tendency of individuals to closely identify with their online avatar and how that affects their real world behaviors. This research seeks to make the two one by using the Proteus Effect and question framing that leads to the desired saving action. ![]() The perspective of the present self is that the future self is a distinct person. Some people are not very closely connected to their future self and therefore are less concerned with their wellbeing. There is a conflict between the wants of today and the concerns of tomorrow when it comes to retirement savings. Researchers are trying to discover what obstacles people encounter when saving for retirement. ![]()
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