why is it dumb? There has been studies about how people make better decisions about the future if they can see their future self, otherwise people treat their future self as "some other dude/gal".
as if your future self is "another person" that can deal with whatever happens, and its really not much of your concern.
"That's a problem for Future Homer. Man, I don't envy that guy."
I respect your opinion and don't question the alleged research. But, I personally can't imagine being persuaded to invest in an IRA based on a gimmicky face aging tool. See aerovistae's above comment on the real world application.