SummaryEconomic saving is an elaborate behavior in which the goal of a reward in the future directs planning and decision-making in the present. Here, we measured neural activity while subjects formed simple economic saving strategies to accumulate rewards and then executed their strategies through choice sequences of self-defined lengths. Before the initiation of a choice sequence, prospective activations in the amygdala predicted subjects’ internal saving plans and their value up to two minutes before a saving goal was achieved. The valuation component of this planning activity persisted during execution of the saving strategy and predicted subjects’ economic behavior across different tasks and testing days. Functionally coupled amygdala and prefrontal cortex activities encoded distinct planning components that signaled the transition from saving strategy formation to execution and reflected individual differences in saving behavior. Our findings identify candidate neural mechanisms for economic saving in amygdala and prefrontal cortex and suggest a novel planning function for the human amygdala in directing strategic behavior toward self-determined future rewards.

Saving behavior usually requires individuals to perform several consecutive choices before collecting the final reward. The overt behavior is preceded by an intention to perform an appropriate choice sequence. We studied saving sequences for which each participant rated the intention numerically as willingness to save. Each sequence resulted in a specific reward amount and thus had a particular value for the participant, which we assessed with a Becker-DeGroot-Marschak auction-like mechanism. Using functional MRI, we found that blood-oxygen-level-dependent signals in human ventromedial prefrontal cortex (vmPFC) correlated with the participant’s stated intention before each choice sequence. An adjacent vmPFC region showed graded activation that reflected the value of the sequence. These results demonstrate an involvement of vmPFC in intentional processes preceding sequential economic choices.