> spending habit established over decades is not an easy thing to change I think that you are right. A lot of people is arguing about investments, health care,

> spending habit established over decades is not an easy thing to change I think that you are right. A lot of people is arguing about investments, health care, etc. like if human beings where "Homo economicus". We are not. We are not immune to rational arguments, but we take a lot of decisions based in what we learned in our youth. "Homo economicus" was an interesting way of thinking about humans, it is no more. * https://en.wikipedia.org/wiki/Homo_economicus https://en.wikipedia.org/wiki/Homo_economicus