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 two-part series.)

• SOURCES:
  • Benjamin Handel, professor of economics at UC Berkeley.
  • Neale Mahoney, professor of economics at Stanford University.
  • Richard Thaler, professor of economics at The University of Chicago.

• RESOURCES:
  • "Selling Subscriptions," by Liran Einav, Ben Klopack, and Neale Mahoney (Stanford University, 2023).
  • "The ‘Enshittification’ of TikTok," by Cory Doctorow (WIRED, 2023).
  • "Dominated Options in Health Insurance Plans," by Chenyuan Liu and Justin Sydnor (American Economic Journal: Economic Policy, 2022).
  • Nudge (The Final Edition), by Richard Thaler and Cass Sunstein (2021).
  • "Frictions or Mental Gaps: What’s Behind the Information We (Don’t) Use and When Do We Care?" by Benjamin Handel and Joshua Schwartzstein (Journal of Economic Perspectives, 2018).
  • "Adverse Selection and Switching Costs in Health Insurance Markets: When Nudging Hurts," by Benjamin Handel (National Bureau of Economic Research, 2011).

• EXTRAS:
  • "People Aren’t Dumb. The World Is Hard. (Update)" by Freakonomics Radio (2024).
  • "All You Need is Nudge," by Freakonomics Radio (2021).
  • "How to Fix the Hot Mess of U.S. Healthcare," by Freakonomics Radio (2021).
  • "Should We Really Behave Like Economists Say We Do?" by Freakonomics Radio (2015).

The quirky little grocery chain with California roots and German ownership has a lot to teach all of us about choice architecture, efficiency, frugality, collaboration, and team spirit.

• SOURCES:
  • Kirk DesErmia, facilities manager in Seward, Alaska.
  • Mark Gardiner, journalist and author.
  • Sheena Iyengar, professor of business at Columbia Business School.
  • Michael Roberto, professor of management at Bryant University.

• RESOURCES:
  • “Trader Joe’s,” David Ager and Michael Roberto (Harvard Business School Case, 2014).
  • “What Brands Are Actually Behind Trader Joe’s Snacks?,” Vince Dixon (Eater, 2017).
  • Build a Brand Like Trader Joe’s by Mark Gardiner (2012).
  • “When Choice is Demotivating: Can One Desire Too Much of a Good Thing?,” Sheena Iyengar and Mark Lepper (Journal of Personality and Social Psychology, 2000).
  • Unlocking Creativity, by Michael Roberto (2019).

• EXTRAS:
  • “How Can This Possibly Be True?,” by Freakonomics Radio (2016).
  • “How to Save $1 Billion Without Even Trying,” by Freakonomics Radio (2016).

Nearly everything that politicians say about taxes is at least half a lie. They are also dishonest when it comes to the national debt. Stephen Dubner finds one of the few people in Washington who is willing to tell the truth — and it’s even worse than you think.

• SOURCES:
  • Jessica Riedl, senior fellow in budget, tax, and economic policy at the Manhattan Institute.

• RESOURCES:
  • "The House Wants to Pass Trump’s Agenda in One Big Bill. Here’s What’s in It." by Margot Sanger-Katz and Alicia Parlapiano (New York Times, 2025).
  • "Correcting the Top 10 Tax Myths," by Jessica Riedl (Manhattan Institute, 2024).
  • "Spending, Taxes, and Deficits: A Book of Charts," by Jessica Riedl (Manhattan Institute, 2024).
  • "Why Did Americans Stop Caring About the National Debt?" by Jessica Riedl (Reason, 2024).
  • "A Comprehensive Federal Budget Plan to Avert a Debt Crisis," by Jessica Riedl (Manhattan Institute, 2024).
  • "When Does Federal Debt Reach Unsustainable Levels?" by Jagadeesh Gokhale, Kent Smetters, and Mariko Paulson (The Wharton School of Business, 2023).
  • "The Limits of Taxing the Rich," by Jessica Riedl (Manhattan Institute, 2023).

• EXTRAS:
  • "Farewell to a Generational Talent," by Freakonomics Radio (2024).