Hi Odiri,

The point about defaults is powerful. My company automatically enrolled me in the pension plan at a decent rate, and I've just left it. I probably wouldn't have signed up so quickly on my own. It's like the system did the right thing for me without me having to make a conscious choice.

For a financial advisor or a company designing these systems, what's one simple example of "helpful friction" versus "harmful friction" mentioned in the article? I'm trying to picture how you'd actually build that into an app or a website to help people make better choices.