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What's Your Challenge?

Here to help, when you need it.

Saving for retirement is smart.
But why is it so hard?

The answer may be in your head. Researchers have identified five common human behaviors that can get in the way of planning for your future. The key to overcoming them is recognizing them.


The Longevity Disconnect I might live how long?

When it comes to preparing for the future, thinking about your future self can be the hardest part.
Finding out about the way we look at longevity can change everything.

Interactive Tool Your Retirement Days

What do the retirement dollars you've saved look like when you turn them into retirement days? Finding out now can help you better prepare for a retirement that could last longer than you expect.

Use the Tool—Your Retirement

Interactive ToolMapping your Retirement

Where do you want to retire? And what will your life be like? Find out how much your retirement will cost in over 300 cities, suburbs and small towns all across America.

Use the Tool—Map My Retirement

Take on this Challenge

Stay on track with the Retirement Income Calculator. Use the RIC to calculate how much you'll need in retirement, or see what happens when you increase your contribution.

ProcrastinationI'll do it later.

It's easier to daydream about retirement than spend the time you need to plan for it.
Find out how to stop putting off planning your financial future.

VideoCan procrastination make us more productive?

Studies show our brains get fatigued from all the little decisions we make every day. So what happens if we take a break?

Watch—Episode Two: I'll do it later

Interactive ToolThe Procrastination Quiz

We worked with a procrastination expert to identify six distinct procrastination types. Discover which type you are, and understand why you may be putting things off.

Use the Tool—The Procrastination Quiz

Take on this Challenge

Enroll today and start contributing to your future. Your better tomorrow starts today when you enroll in the San Francisco Deferred Compensation Plan. So don't delay!

Optimism BiasIt won't happen to me.

Spending more time thinking about the good things in our future and less time imagining the bad ones
can leave us overly optimistic—and unprepared for the worst.

VideoThe Optimism Bias

We hosted a seminar to tell people about the tendency to be overly optimistic about the future. They thought they were just there to listenthey didn't realize they'd be part of it.

Watch—Episode Four: The Optimism Bias

Interactive ToolThe Game of Odds

As humans, our perception of risk and reward is often drastically different from reality. Let's see if we can align our perceptions more closely to the realities.

Use the Tool—The Game of Odds

Take on this Challenge

Update your beneficiary information today. If something happens to you, what happens to your retirement savings? Log in to designate or update your beneficiary now.

OverreactionI just can't resist.

When everyone's doing something, we assume there's a good reason, and we follow along.
But sometimes, that gets us into trouble.

Video Fight the Urge to Follow Others

When everyone's doing something, we assume there's a good reason, and we follow along. But sometimes that gets us into trouble. Behavioral expert Dan Gilbert explains why.

Watch—Following the Pack

Interactive ToolWhat's Your Investing Age?

How does your investing style compare to others your age?

Use the Tool—What's Your Investing Age?

Take on this Challenge

Make investing quick and easy with GoalMaker. When you select GoalMaker, after answering a few simple questions, you'll get an investment mix for your consideration. And GoalMaker helps to keep your investments on track.

Impulse ControlI want it now.

How resisting short-term impulses can lead to long-term gratification.

VideoOvercoming Temptation

Temptation is everywhere. But if we can just show a little restraint, we can enjoy much greater rewards in the future. Can we do it? We did a little experiment to find out.

Watch — The Marshmallow Experiment

Interactive ToolThe Auto Pay Analyzer

Automatic payment services make it easy to spend a lot of money without even realizing it. Use this calculator to see how your payments add up over time.

Use the Tool–Autopay Analyzer

Take on this Challenge

Help yourself prepare for whatever the future may hold. Increasing your contributions to the Plan can help you be ready for your tomorrow.