From Marketwatch:

How you ask a question has a huge impact on the answer.

This truth is already widely known in fields other than retirement finance, of course. A famous example comes from Dan Ariely, a professor psychology and behavioral economics at Duke University: Participation in organ donation programs varies widely according to how the question is worded. If you ask people if they want to opt into such programs, few do so. But if you automatically sign them up and then allow them to opt out, most people end up participating.

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