How Daylight Saving Time clock changes upend the economy

On Sunday, Nov. 5, most of the U.S. will dial back their clocks an hour in order to "fall back" to standard time as part of the nation's semi-annual ritual of changing the time.

While much of the analysis surrounding America's twice-a-year clock changes covers the health effects of Daylight Saving Time (DST) – which includes a higher risk of cardiac issues amid disrupted sleep schedules – the economic toll has not received as much focus. 

However, research indicates that changing the clock twice a year has adverse impacts on the money side of things that are very real, and the…