MARIA HINOJOSA ANCHORS. Need to Know examines how behavioral economics is being utilized to encourage low-income workers to save. Correspondent William Brangham reports from Vermont how workers who have repaid emergency loans through automatic paycheck deductions continue to take the lower amount in their paychecks and save the difference after the loan is paid off. Correspondent Brian Epstein reports about a plan devised by Mayor Michael Bloomberg that offers incentives to low-wage earners who save their tax refunds. The "American Voices" essay is by Dan Ariely, professor of psychology and behavioral economics at Duke University.