
It’s often said that economics is counterintuitive. On the other hand, it’s also said that economics is about human behavior. This should imply that at least the basic ideas of economics should be pretty easy to understand and explain. (Assuming, of course, that you are in fact a human.)
One important point in economics is about the margin – thinking at the margin, decisions being made at the margin, and so on. On the one hand, it sometimes seems tricky to get people to understand what it means to make a decision at the margin, or to understand the difference between marginal cost and average cost. Some people attempt to illustrate the difference using math. You might, for example, give someone an equation for calculating total cost, and then tell them that marginal cost is the first derivative of total cost. Then, with a little basic calculus, they can work out the marginal cost of some process. This is neat, precise, and makes for tidy exam questions that are easy to grade. It’s also entirely possible to ace an exam full of these math problems and leave class at the end of the semester without ever really internalizing the idea of making a decision at the margin.
On the other hand, if people really do make decisions at the margin, shouldn’t it be easy to explain the concept to people by pointing out these decisions being made, in cases that are easy to understand and recognize? Yes, actually. Consider the following meme. If you recognize what the meme is saying and understand why it’s funny, then you intuitively understand the difference between average and marginal cost, and you understand what making a decision at the margin means:

Assuming you’re old enough to shave, you’ll immediately recognize this. Nonetheless, I’m going to break a cardinal rule of comedy and explain the joke.
Shaving cartridges are expensive. To make the math easy, let’s assume this pack costs $20. The average cost per cartridge is $5. As you use a razor, it gets duller, making it less comfortable and effective for shaving. So as the first cartridge wears down after five shaves, you switch to the second. Because you paid the full price for the pack up front, the marginal cost of tossing out the first cartridge for the second is essentially zero, while the marginal benefit is pretty high. The same holds true for tossing out the second for the third, and the third for the fourth. But once you start using the fourth, things change. Now the marginal cost of tossing out the fourth and switching to a new cartridge means paying the full price of a new pack. As a result, people stretch the fourth cartridge in the pack far longer than the first three. All four razors have the same average cost – but they don’t all have the same marginal cost when it comes to use and disposal. And because people make their decisions on the margin, you end up seeing the kind of behavior highlighted in the meme.
Unfortunately, there are people who can pass through economics programs with excellent grades on the basis of their high level of mathematical acumen, yet never absorb the economic way of thinking in a way that is presented by this simple meme. Math is a fine thing and certainly has legitimate uses in economics, but solving math problems isn’t the same thing as doing economic analysis.
There’s an old saying that if you can’t explain something in a way that an eight year old can understand it, then you don’t truly understand it yourself. Maybe there’s an analogy here. If you can put together a simple meme that highlights how indifference curves work, that demonstrates your understanding of the topic far more than calculating partial derivatives, using utility functions, or referencing budget lines. Anyone who’s decent at math can do the latter, particularly in the context of a classroom exam. But only someone who has really absorbed the idea can do the former.
READER COMMENTS
David Seltzer
Mar 14 2025 at 9:05am
Kevin: I’m the eight year old of whom you write. Some years ago, a trader who worked for our hedge fund lost $17,000 on trade. He was crest fallen but consoled himself with, ” on average I’m still up $121,000 for the year. I said you’re looking at it incorrectly. At the margin, today, your net liquidating balance has declined by $17,000. Your “net liq” before trading began was $138,000. the loss at the margin is the difference.
Jon Murphy
Mar 14 2025 at 12:22pm
Great example!
David Seltzer
Mar 14 2025 at 12:32pm
Thank you Jon.
steve
Mar 14 2025 at 1:35pm
The example I used, meaning it’s probably wrong, is hiring. Decisions about staffing numbers, hiring or firing, were always made over that last person(s) not about the other 200 people we employed.
Steve
john hare
Mar 14 2025 at 6:19pm
To me, it’s not how much money you make, it’s how much you keep. If you’re making $100k per year and your expenses are $90k, then a 10% raise doubles your net incme. I think of what you have left as the margin.
Robert
Mar 15 2025 at 9:42am
The marginal cost is not zero. If you throw out the blade after five shaves rather than 137, you will have to purchase the new blades sooner, and assuming that your can earn interest on your savings, there will be a cost.
Atanu Dey
Mar 20 2025 at 12:41am
Robert:
I agree. The relevant cost is the replacement cost of a blade. It may appear that the replacement cost is zero (you’re not paying for the replacement blade right then) but you have to pay to replace it eventually.
I am afraid that that example is not very good. Sorry about this negative assessment.
Richard W Fulmer
Mar 15 2025 at 2:55pm
Thinking “on the margin” is as important for producers as it is for consumers. For example, suppose I own a widget factory that is currently running under capacity and producing (say) 100 widgets a day. The incremental, or marginal, cost of producing one more widget may be well below the average cost of producing the first 100 widgets because it requires little more than running the factory’s machines for a few more minutes. On the other hand, the marginal cost could be higher than average if I need to pay my employees overtime to make it. Finally, if my factory is already running at capacity, the cost of making one more widget might be the cost of building a whole new factory!
GR Mike
Mar 23 2025 at 1:43pm
Another good example. Econ should be taught using theory and examples. Examples really drive the concept home.
Comments are closed.