The following article appeared in Business Week magazine recently. I tried to write to them, but their website did not work for me. Here's the link to the original article. Here's the text. THE PSYCHOLOGY OF SAVING MORE (It was called "Short-term Thinking May Be A Saver's Best Friend" in the print version) Financial planners often suggest clients figure out how much they'll need to retire and save toward that huge number. Utpal "Paul" Dholakia, associate professor of management at Houston's Rice University, thinks people would do better to think about how much they'll save next month. A paper he co-wrote with Leona Tam of Old Dominion University found that those who planned savings for the next month did far better than those who tried to plan further out. In one experiment, people said they'd save an average $287 next month but saved $440. When asked to plan ahead four months, they said they'd save an average $946, but put aside jus