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Question: Looking to your own future savings for retirement, do you agree that you are more likely to save $200 every month with an automatic payroll deduction from your paycheck (versus you manually transferring $200 every month from your checking account into an investment account)? Or do you think that you would save the same amount even without an automatic payroll deduction (you just have to check a few boxes in your online banking accounts)? Support your answer with a brief explanation of your reasoning (i.e., don't just answer yes or no).
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