This article must provide a full understanding of Richard H Thaler’s lecture “From cashews to Nudges the evolution of behavioral economics”. Make direct connections from his lecture and theories to what is going on in New York & New Yorkers during this covid 19 (coronavirus) pandemic lockdown; New Yorkers shopping, spending & behavioral habits. Provide facts from United States scholarly journals and highly trusted websites from New York that prove Richard H Thaler’s theories on Nudge Theory, Mental Accounting, and Choice Architecture by exploring the consequences and or benefits of limited rationality, social preferences, and lack of self-control from the lens of a New Yorker. A question that should be answered in this article is, where is behavioral economics headed post New York Covid – 19 Lockdown? This article should be detailed but clear and concise so that anyone who is not familiar with behavioral economics walks away learning something and someone reading this outside the state of New York understands why New York is so unique. This article should not be political but instead focused on economics and finance facts. All articles used must be recent and up to date. Where New York and New Yorkers stand today June 1st, 2020 and what New York will look like by the end of 2020 based on the facts you find and Richard H Thalers lecture and behavioral economics .