5. Ibíd., citando a Hal Erner-Hershfield, M. Tess Garton, Kacey Ballard, Gregory R. Samanez-Larken y Brian Knutson, «Don’t Stop Thinking About Tomorrow: Individual Differences in Future-Self Continuity Account for Saving», Judgment and Decision Making 4 (2009), pp. 280-286.