Behavioral science is a popular topic. We want to know: can tuning our designs lead to better user outcomes? In this edition we bring you the experts from Common Cents Lab sharing what they are observing about personal finance. We think this is news you can use.

Many years ago, I took a class in the Bronx to get my motorcycle license. The lessons took place in a random, shabby parking lot with bottom of the line loaner bikes that didn’t even have sideview mirrors. Most of the other students, like me, had cheap, low tech gear, barely meeting the requirements. One guy, though, had the full kit. His jacket, pants, gloves, boots, and helmet must have cost thousands of dollars. He looked impressive. But he was also the worst student in class. He actually flunked out, because he couldn’t make simple turns without falling over. I’ve witnessed new government programs suffer the same fate.

Courtney Eccles is a self-described “policy person”. Now, in her role as Director of the Illinois Secure Choice program Courtney’s had a chance to observe some great policies in action, and with the backing of her Board and Treasurer to refine and improve. Courtney brings a breath of fresh air to every conversation, and we’re pleased to talk with her here about all things Retirement Security.