You’ve probably dreamed of magically waking up one day to see that all of your personal or business accounts have ballooned to a bazillion-gajillion-ish dollars. But it usually doesn’t work that way. (Or at least, it hasn’t for me.) In-the-moment temptations, combined with increased costs, make it super hard to save and invest. It might get a whole lot easier to set money aside and protect it, though, thanks to investment companies that purposely are incorporating psychology to curb your impulses.