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What are some of the behavioral obstacles that influence personal finance as described by Benartzi?

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Some obstacles that influences ones finances described were foreclosure, not having 401k access, or not choosing to save that appropriate amount of money.

User AlexA
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One obstacle someone could face would be foreclosure. Foreclosure could occur by an individual not paying their mortgage on their home, and a mortgage is a monthly house payment. Also, people might not have access to a 401k or choose not to save money like they should.
User Anirudha Gupta
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