A study of 42,863 people - conducted via the BBC web site - by researchers at University College London and the University of Warwick - has found that people who are financially more imprudent are also more impulsive in other ways. The study asked people whether they would prefer £45 in three weeks time or £70 in three months. Participants were also asked a number of other questions about their lifestyle. Nearly half the sample opted for a quick pay day and these people were more likely to smoke, be overweight and have had an affair. Those people most likely to make impulsive financial choices were young, poorly-educated and on lower incomes.