Educational Disclaimer

The 10% compounding assets, 7% investment returns, portfolio “recoveries”, and all figures in the Life Simulator and calculators are round numbers picked to make the idea easy to see. Real markets are uncertain and can lose value. Nothing here is a recommendation to buy, sell, or hold any asset.

The Macro Lab's organ-donation, carbon, healthcare, and savings figures are simulated for teaching. They match the direction and rough scale of well-documented nudge effects, but they are not exact statistics for any country or program.

Behavioral effects are shown as clean numbers so the lesson is easy to see. Real human behavior is messier and changes from person to person. Your results in NudgEm do not measure your intelligence, character, or skill with money.

The concepts shown here (loss aversion, anchoring, framing, hyperbolic discounting, default bias, the sunk-cost fallacy, the dollar auction, and others) come from the published work of behavioral economists and psychologists including Daniel Kahneman, Amos Tversky, Richard Thaler, Cass Sunstein, and Martin Shubik. We summarize their findings; we do not speak for them.

For decisions about your money, health, or legal situation, talk to a qualified professional who actually knows your situation.