The Later Reset: An Economist's Guide to Why Future You Keeps Losing

Book 20 (milestone) in T. Rose's Qualogic Learning Reset series — a 12-page economist's guide to stopping present-you from constantly outvoting future-you.

This guide covers present bias and hyperbolic discounting, and the commitment devices that actually change behavior.

Inside, you'll learn:

• The classic $20-today-vs-$25-later time-inconsistency experiment
• Thaler and Shefrin's planner-vs-doer framing for understanding your own self-control
• Commitment devices that work — automatic enrollment, added friction on temptations, and if-then plans — grounded in LendingTree's 2026 BNPL Tracker, where 41% of buy-now-pay-later users paid late in the past year

Includes the 7-Day Later Reset action plan. Instant PDF download, 12 pages.