Very interesting study indeed. It does not however ask why? E.g. A rational answer would be to take a higher amount at a later date, however, if you can get an immediate better return by buying and selling something immediately, that would be a better option. My broker can still not understand why I would rather invest in my own business than in a risky annuity where I may get a negative return.
Maybe I need some financial advice as I battle to balance my own budget and cannot understand why I am always short.
I exchange R2000 worth of empties every month, but my booze bill keeps increasing!

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