But Hal Hershfield, a social psychologist at New York University, thought the barrier to moving people to save for retirement might be something else altogether. Working with six far-flung colleagues, he conducted a series of studies to test a different hypothesis. In one experiment, Hershfield and team had each of their participants strap on a virtual reality headset. Half the participants saw a digital representation of themselves—an avatar—for about a minute and then had a brief conversation with a digital representation of a researcher. The other half also saw an avatar of themselves
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