What your future self can teach you?

The ‘future you’ can help you be wealthier, healthier, and more generous in the present

Visit Merrill Edge’s Face Retirement website, and you’ll be confronted by your future self. The site invites you to take a photo with your webcam and input your age. Then facts about retirement and savings flash on the screen—“46 percent of Americans have saved less than $10,000 for retirement” reads one—while the program digitally “ages” your photo, and you are soon staring at a slightly animated, nodding, blinking, more wrinkly version of yourself. Merrill Edge is betting that the statistics alone won’t scare you into saving, but being confronted by an older version of yourself will. “That’s not a stranger you’re saving for,” reads the site, “it’s the future you.”

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