The project investigates the decision to supplement retirement income within the Dutch retirement system. We focus on third pillar arrangements whereby AOW and employment pension are not examined. Many people commonly under-save or procrastinate in starting to save because they are unable to make a trade-off between the concrete costs of saving and the uncertain/abstract amount of financial gains they will receive in the future. This results in an insufficient/unsatisfactory amount of resources during retirement. The main goal of this project is to find ways to (partially) prevent this from happening.