Common Cents Lab

Share Our Findings

Our findings and research on financial well-being

These articles and white papers combine academic insights with applied suggestions. Our hope is to provide you and your organization ideas supported by research that will increase the financial health and wellness for low- to moderate- income customers.


These papers are authored by Duke Center for Advanced Hindsight, Common Cents Lab, and Irrational Labs. Support comes from MetLife Foundation.

Featured articles about our recent work 

Financial services and behavioral economics: The field guide

Developing or designing a financial product? Learn the psychological booby traps of financial decision-making with this field guide.

Download the Field Guide

Design for emergency savings

We present principles and examples of design that can increase our willingness and motivation to save for the short term.

Download the Workbook

Couples and their money

What are the top pitfalls that couples encounter in their financial decision-making process? This white paper reviews literature about how to improve joint decision-making by designing savings accounts for couples.

Download the Workbook

Financial reporting best practices

How should we report on financial results? This workbook reviews best practices for sharing information with people about their portfolio performance.

Download the Workbook

Contract with your future self

Prior to investing, we should all have a contract with our future self. Here is one for you to use with clients if you’re an advisor or to use on yourself.

Download the Workbook

Increasing trust with customers

Trust is the secret ingredient that makes your customers love you. How should financial institutions rebuild trust that has been lost?

Download the Workbook