Another painful statistic I ran into during some terrorism research: in investigating US Army personnel choosing between large lump sums and pensions ($25,000-$50,000 range): pg 48 of http://www.rau.ro/intranet/Aer/2001/9101/91010033.pdf
Enlisted personnel who were planning on leaving had a nominal discount rate of 57.2%.
From Mike Darwn's Chronopause, an essay titled "Would You Like Another Plate of This?", discussing people's attitudes to life:
Conclusion, graphs, and references in article. As usual, I recommend reading Chronopause.com as Darwin has many good articles; to quickly link a few: