How to Use Commitment Devices:- • Employer-Sponsored Plans: Use employer-sponsored retirement plans, such as 401(k)s, if your employer offers a matching contribution. Automatic payroll deductions ensure saving for retirement will be a priority. • Automatic escalation: Many retirement plans provide the option for participants to automatically increase their contribution rate every ye... https://topcollegesadmission.in/college-list/bpharma/pune