I saw this on FB and I like the overall idea, but someone else came up with the idea to reverse it that way it simulates the process of paying off a loan. Reversing it would also help train people to learn how loans work, and reasons to make a little larger payment every once in a while and how they'd reap the rewards from doing so. I.E., start by saving $52 the first week, then drop $1 every week. That way the stress would lessen week by week. I think it would also increase the likelihood of someone sticking to the habit once a plateau is reached, a.k.a. "comfort zone". The amount someone would feel comfortable sticking with week after week. For example, when they get to week 26 they're more likely to stay around a $26 contribution to the account because "it's a whole heck of easier than the first week at $52". Opposed to the way it's charted, which may also cause someone to halt at week $26 and while they may still stick to $26 a week, they won't have nearly the same amount accumulated.