The psychology and policy of overcoming economic inequality.

Recent arguments claim that behavioral science has focused - to its detriment - on the individual over the system when construing behavioral interventions. In this commentary, we argue that tackling economic inequality using both framings in tandem is invaluable. By studying individuals who have overcome inequality, "positive deviants," and the system limitations they navigate, we offer potentially greater policy solutions.

"It's a Good Idea to Put It Into Words": Writing 'Rudders' in the Initial Stages of Visualization Design.

Written language is a useful tool for non-visual creative activities like composing essays and planning searches. This paper investigates the integration of written language into the visualization design process. We create the idea of a 'writing rudder,' which acts as a guiding force or strategy for the designer. Via an interview study of 24 working visualization designers, we first established that only a minority of participants systematically use writing to aid in design. A second study with 15 visualization designers examined four different variants of written rudders: asking questions, stating conclusions, composing a narrative, and writing titles. Overall, participants had a positive reaction; designers recognized the benefits of explicitly writing down components of the design and indicated that they would use this approach in future design work. More specifically, two approaches - writing questions and writing conclusions/takeaways - were seen as beneficial across the design process, while writing narratives showed promise mainly for the creation stage. Although concerns around potential bias during data exploration were raised, participants also discussed strategies to mitigate such concerns. This paper contributes to a deeper understanding of the interplay between language and visualization, and proposes a straightforward, lightweight addition to the visualization design process.

The persistence of cognitive biases in financial decisions across economic groups.

While economic inequality continues to rise within countries, efforts to address it have been largely ineffective, particularly those involving behavioral approaches. It is often implied but not tested that choice patterns among low-income individuals may be a factor impeding behavioral interventions aimed at improving upward economic mobility. To test this, we assessed rates of ten cognitive biases across nearly 5000 participants from 27 countries. Our analyses were primarily focused on 1458 individuals that were either low-income adults or individuals who grew up in disadvantaged households but had above-average financial well-being as adults, known as positive deviants. Using discrete and complex models, we find evidence of no differences within or between groups or countries. We therefore conclude that choices impeded by cognitive biases alone cannot explain why some individuals do not experience upward economic mobility. Policies must combine both behavioral and structural interventions to improve financial well-being across populations.