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Nobel Prize laureate and renowned behavioral economist Richard Thaler said in an interview with The Wall Street Journal that saving for retirement is “cognitively hard” and that it’s “obviously preposterous” to assume that everybody will figure out how much they have to save and actually carry out the plan.The first step to solving your debt problem may be to understand your personality — more specifically, how you think and feel about time.

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That’s because time orientation, or the way we think about time in relation to our goals, plays a major role in people’s ability to save.

In a 2014 paper published in “Psychological Science,” scholars Leona Tam and Utpal Dholakia concluded that individuals who think about savings cyclically — seeing life events as a series of repeating experiments — are estimated to save 74 percent more than those who think linearly.

“The belief is that if you perform an action in the current cycle now, you will be more likely to perform this particular action in the next cycle,” Tam and Dholakia wrote.