Darya Komarova | Moment | Getty Images'The dots need to be connected for consumers'Exposure to our older selves is only part of the process of making decisions for retirement, experts say. While the TikTok filter has recently made it popular to look at our future selves, this type of application has been around since the early 2000s, said Joseph Coughlin, director of the Massachusetts Institute of Technology AgeLab. Once people see an image of their older selves, they tend to feel differently about their future decisions. Successful, lasting behavioral changes typically come with incentives to work toward, such as saving money or exercising, Coughlin said. Pairing the videos with prompts to save more money or invest more toward retirement may be effective, according to UCLA's Hershfield.

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Persons: Darya, Joseph Coughlin, Coughlin, UCLA's Hershfield, Hershfield, Victor Ricciardi, Ricciardi, Carolyn McClanahan, Drazen Zigic Organizations: Massachusetts Institute of Technology AgeLab, Ursinus College, Behavioral Finance, Planning Partners, CNBC FA, Istock, Getty Locations: Jacksonville , Florida