A study across 61 countries showed that, on a global scale, individuals are often inconsistent when choosing between immediate and future financial options. Although economic inequality is associated with this decision-making process, nearly everyone demonstrates these anomalies, and instability can lead to worse choices, even in wealthy individuals.

中文翻译：

---

时间贴现与经济稳定和不平等有关

一项针对 61 个国家/地区的研究表明，在全球范围内，个人在选择当前和未来的财务选项时往往不一致。尽管经济不平等与这一决策过程相关，但几乎每个人都表现出这些异常现象，而不稳定会导致更糟糕的选择，即使是对富有的人也是如此。