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Why is Saving Money So Hard? Sendhil Mullainathan, December 17, 2013, Opinion. "Sendhil Mullainathan, a professor of economics at Harvard University and a recipient of a MacArthur Foundation "genius" grant, answers the big question of why setting aside money for the future is so difficult. Why is saving so hard? There’s a popular image of people who don’t save for the future as lacking in self-control. But the reason saving is so hard has less to do with self-control and more to do with a scarcity of attention..." Link Verified October 13, 2014