It’s easy for financial experts to say what people should do to achieve financial well-being. We can rattle off rules of thumb like: contribute enough to your 401k to achieve the full employer match; set aside enough savings to cover three months of expenses in an emergency; and leverage health savings accounts and other tools to offset the costs of care. These tips can work, but they ignore the reality that many people can’t or won’t follow them. In our panel on Designing for Financial Behavior at the 2018 Financial Experience Design (FxD) conference, we discussed how we can design tools to help improve people’s financial well-being while balancing what people should do with what they can and will do.