No savings? Blame the brain

Stacks of coins

Our inability to stash away a few bucks has more to do with biology than willpower. At least that's what researchers told Men's Health magazine.

The cerebral cortex, the most rational part of our brain, understands and appreciates delayed gratification.

"But beneath the cortex is an older neural system that values the present much more," says David Laibson, a professor of economics at Harvard.

It dates back to a time when staying alive -- today -- was the only order of business.

After the cortex came along there was no biological incentive for it to contravene those instincts.

"To this day, our rational brain still defers to our baser instincts," the magazine reports. "And your savings account remains empty."

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