Predictably Irrational · Dan Ariely

Hyperbolic discounting examples

Curated by · reviewed 2026-06-01

Hyperbolic discounting is how we steeply — and irrationally — prefer a smaller reward now over a bigger one later, especially when 'now' is actually on offer. Examples:

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5 examples of hyperbolic discounting

  1. $50 today vs $100 in a year

    Many people grab the $50, even though waiting would pay double.

  2. The snooze button

    Nine more minutes now beats the larger reward of a calm, unrushed morning.

  3. Credit-card spending

    The thing now feels worth far more than the future bill it creates.

  4. Skipping the workout

    Comfort today is overweighted against fitness later — every single day.

  5. Procrastination

    Future-you 'should' start; present-you wants Netflix now, and present-you keeps winning.

How to spot it in yourself

You'll forget most of this by next week.

That's just how memory works. Lock hyperbolic discounting in with a 5-minute active-recall session — spaced repetition, no signup.

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