Insurance forms that make no sense. Subscriptions that can’t be cancelled. A never-ending blizzard of automated notifications. Where does all this sludge come from — and how much is it costing us? (Part one of a <a href="https://freakonomics.com/podcast-tag/sludge">two-part series</a>.) <ul><li>SOURCES:<ul><li><a href="https://www.benjaminhandel.com/">Benjamin Handel,</a> professor of economics at UC Berkeley.</li><li><a href="https://nmahoney.people.stanford.edu/">Neale Mahoney,</a> professor of economics at Stanford University.</li><li><a href="https://www.chicagobooth.edu/faculty/directory/t/richard-h-thaler">Richard Thaler,</a> professor of economics at The University of Chicago.</li></ul></li></ul> <ul><li>RESOURCES:<ul><li>"<a href="https://nmahoney.people.stanford.edu/sites/g/files/sbiybj23976/files/media/file/mahoney_subscriptions.pdf">Selling Subscriptions,</a>" by Liran Einav, Ben Klopack, and Neale Mahoney (Stanford University, 2023).</li><li>"<a href="https://www.wired.com/story/tiktok-platforms-cory-doctorow/">The ‘Enshittification’ of TikTok,</a>" by Cory Doctorow (WIRED, 2023).</li><li>"<a href="https://www.aeaweb.org/articles?id=10.1257/pol.20190312">Dominated Options in Health Insurance Plans,</a>" by Chenyuan Liu and Justin Sydnor (American Economic Journal: Economic Policy, 2022).</li><li><a href="https://amzn.to/4iIjWDN">Nudge (The Final Edition)</a>, by Richard Thaler and Cass Sunstein (2021).</li><li>"<a href="https://eml.berkeley.edu/~bhandel/wp/JEP_Frictions.pdf">Frictions or Mental Gaps: What’s Behind the Information We (Don’t) Use and When Do We Care?</a>" by Benjamin Handel and Joshua Schwartzstein (Journal of Economic Perspectives, 2018).</li><li>"<a href="https://www.nber.org/system/files/working_papers/w17459/w17459.pdf">Adverse Selection and Switching Costs in Health Insurance Markets: When Nudging Hurts,</a>" by Benjamin Handel (National Bureau of Economic Research, 2011).</li></ul></li></ul> <ul><li>EXTRAS:<ul><li>"<a href="https://freakonomics.com/podcast/people-arent-dumb-the-world-is-hard-update/">People Aren’t Dumb. The World Is Hard. (Update)</a>" by Freakonomics Radio (2024).</li><li>"<a href="https://freakonomics.com/podcast/all-you-need-is-nudge/">All You Need is Nudge,</a>" by Freakonomics Radio (2021).</li><li>"<a href="https://freakonomics.com/podcast/how-to-fix-the-hot-mess-of-u-s-healthcare-ep-456/">How to Fix the Hot Mess of U.S. Healthcare,</a>" by Freakonomics Radio (2021).</li><li>"<a href="https://freakonomics.com/podcast/should-we-really-behave-like-economists-say-we-do/">Should We Really Behave Like Economists Say We Do?</a>" by Freakonomics Radio (2015).</li></ul></li></ul>

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