workbook
The Future-You Savings Letter
Saving can feel like handing money to a stranger. This is the paper version of the fix: make future-you vivid, write them a letter, then do one small pre-decided action.
The mechanism inside
Future self-continuity. In a brain-imaging study, thinking about your future self produced activity closer to thinking about a stranger than about yourself (Ersner-Hershfield, Wimmer and Knutson, 2009); the letter method itself comes from an exercise study (Rutchick et al., 2018).
What you get
- One 60-second vividness exercise you finish before writing anything
- A structured letter template in six pieces, with a worked example beside every blank
- One ruled page to assemble the letter, with the complete worked letter shown
- One pre-decided action page
- Seven US-Letter pages, prints fine in black and white
- An honest-limits page: the savings evidence is correlational or lab-based, and no study has tested this workbook as a package. Education, not financial advice
- Instant download, PDF with selectable text
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