December 13th

Cody Ward |

First, a joke:

My snowman threw a temper tantrum the other day…


It was a total meltdown.

And now, a plea:

Please consider these words from Richard Thaler, professor of behavioral science and economics at the University of Chicago Booth School of Business:

“So, we don’t think people are dumb. We think the world is hard. I mean, figuring out how much to save for retirement is a really hard cognitive problem that very few economists have solved for themselves. And it’s not only cognitively hard, it involves delay of gratification, which people find hard. It’s just like navigating in a strange city is hard…”

Richard Thaler was awarded the Nobel Memorial Prize in Economic Sciences in 2017 for “proving” that humans are susceptible to making poor decisions because of the systematic decision-making processes that exist within the human mind.

In other words, humans aren’t dumb — humans are human.

Is it me or is it funny that we are awarding Nobel prizes because of this statement?

Anyway, please feel welcome to send a brief note to if you’d like!

Thanks for your time and may the rest of your day be swell.


Cody L. Ward