A reader proposes a nudge to create a routine now. You’ll thank him later.

Reader Travis Walker says he is contributing more to his 401(k) thanks to Nudge – and he didn’t even need a default rule! Recognizing the power of routines in daily lives, Walker sends along a proposal for a structured plan to help “procrastinators” take care of routine check-ups or maintenance on their bodies, their cars, or their homes. He specifically sketches out the idea as it would pertain to health, calling it the Health Care Agreement Account (HCA).

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