"Assessing the impact of financial education programs: A quantitative model," with PierreCarl Michaud and Olivia S. Mitchell, Economics of Education Review. October 2020.

DOI: 10.1016/j.econedurev.2019.05.006

"Financial Literacy and Financial Resilience: Evidence from Around the World," with Leora Klapper, Financial Management. September 2020.

DOI: 10.1111/fima.12283

"Debt and Financial Vulnerability on the Verge of Retirement," with Olivia S. Mitchell and Noemi Oggero, Journal of Money, Credit, and Banking. August 2020.

DOI: 10.1111/jmcb.12671  |  Download PDF

"Financial Literacy and Wellness Among African–Americans: New Insights From the Personal Finance (P-Fin) Index," with Paul J. Yakoboski and Andrea Hasler, The Journal of Retirement. Summer 2020.

DOI: 10.3905/jor.2020.1.070 

"Building up Financial Literacy and Financial Resilience,” with Andrea Hasler and Paul J. Yakoboski, Mind & Society, July 2020.

DOI: 10.1007/s11299-020-00246-0

"Defined Contribution Plans and the Challenge of Financial Illiteracy," with Jill E. Fisch, and Andrea Hasler, Cornell Law Review. March 2020.

DOI: 10.2139/ssrn.3384778  |  Download PDF
    

"Attitudes Toward Debt and Debt Behavior,” with Johan Almenberg, Jenny Säve-Söderbergh, and Roine Vestman, The Scandinavian Journal of Economics.

DOI: 10.3386/w24935  |  Download PDF

"Financial Vulnerability in Later Life and its Implications for Retirement Well-being," with Olivia S. Mitchell and Noemi Oggero, forthcoming in Remaking Retirement? Debt in an Aging Economy, edited by Annamaria Lusardi and Olivia S. Mitchell, Oxford University Press

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"Financial Literacy and the Need for Financial Education: Evidence and Implications," Swiss Journal of Economics and Statistics, 55(1), January 2019.

DOI: 10.1186/s41937-019-0027-5  |  Download PDF

“Financial Fraud among Older Americans: Evidence and Implications,” with Marguerite DeLiema, Martha Deevy, and Olivia Mitchell, Journal of Gerontology: Social Sciences, December 2018.

DOI: 10.1093/geronb/gby151  |  Download PDF

“The Changing Face of Debt and Financial Fragility at Older Ages,” with Olivia S. Mitchell and Noemi Oggero, American Economic Association Papers and Proceedings, May 2018, 108, pp. 407-411.

DOI: 10.1257/pandp.20181117  |  Download PDF

“Older Women’s Labor Market Attachment, Retirement Planning, and Household Debt,” with Olivia S. Mitchell, in Women Working Longer, edited by Claudia Goldin and Lawrence Katz, University of Chicago Press, 2018.

DOI: 10.7208/chicago/9780226532646.001.0001  |  Download PDF

“How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness,” with Olivia S. Mitchell, Quarterly Journal of Finance, September 2017, 7(3).

DOI: 10.1142/S2010139217500082 

“Financial Literacy and Retirement Planning in Canada,” with David Boisclair and Pierre-Carl Michaud, Journal of Pension Economics and Finance, July 2017, 16(3), pp. 277-296.

DOI: 10.1017/S1474747215000311  |  Download PDF

“How Financially Literate are Women? An Overview and New Insights,” with Tabea Bucher-Koenen, Rob Alessie, and Maarten van Rooij, Journal of Consumer Affairs, Summer 2017, 51(2), pp. 255-283.

DOI: 10.1111/joca.12121  |  Download PDF

“Optimal Financial Knowledge and Wealth Inequality,” with Olivia S. Mitchell and Pierre-Carl Michaud, Journal of Political Economy, April 2017, 125(2), pp. 431-477.

DOI: 10.1086/690950  |  Download PDF

“Employee Financial Literacy and Retirement Plan Behavior: A Case Study,” with Robert Clark and Olivia S. Mitchell, Economic Inquiry, January 2017, 55(1), pp. 248–259.

DOI: 10.1111/ecin.12389  |  Download PDF

“Visual Tools and Narratives: New Ways to Improve Financial Literacy,” with Anya Savikhin Samek, Arie Kapteyn, Lewis Glinert, Angela Hung and Aileen Heinberg, Journal of Pension Economics and Finance, December 2015, 16(3) pp. 297-323.

DOI: 10.1017/S1474747215000323  |  Download PDF

“Financial Literacy Skills for the 21th Century: Evidence from PISA,” Colston Warne Lecture, Journal of Consumer Affairs, Fall 2015, 49(3), pp. 639-659.

DOI: 10.1111/joca.12099  |  Download PDF

“Debt Literacy, Financial Experiences and Overindebtedness,” with Peter Tufano, Journal of Pension Economics and Finance. October 2015, 14(4), pp. 329-365. [lead article]

DOI: 10.1017/S1474747215000232  |  Download PDF

“Financial Literacy and Economic Outcomes. Evidence and Policy Implications,” with Olivia S. Mitchell, Journal of Retirement, Summer 2015, pp. 107-114.

DOI: 10.3905/jor.2015.3.1.107  |  Download PDF

“Financial Knowledge and 401(k) Investment Performance,” with Olivia S. Mitchell and Robert Clark, Journal of Pension Economics and Finance, June 2015, 10(4), pp. 509-525.

DOI: 10.2139/ssrn.2585239  |  Download PDF

“Bankruptcy Rates among NFL Players with Short-Lived Income Spike,” with Kyle Carlson, Joshua Kim, and Colin Camerer, American Economic Review, May 2015, 105(5), pp. 381-84.

DOI: 10.1257/aer.p20151038  |  Download PDF

“Financial Literacy: Do People Know the ABCs of Finance?,” Public Understanding of Science, April 2015, 24(3), pp. 260-271.

DOI: 10.1177/0963662514564516  |  Download PDF

“Risk Literacy” inaugural issue of the Italian Economic Journal, March 2015, 1(1), pp. 5-23. [lead article].

DOI: 10.1007/s40797-015-0011-x  |  Download PDF

“The Economic Crisis and Medical Care Use: Comparative Evidence from Five High-income Countries,” with Daniel Schneider and Peter Tufano, Social Science Quarterly, March 2015, 96(1), pp. 202-213.

DOI: 10.2139/ssrn.2585244  |  Download PDF

“Five Steps to Planning Success. Experimental Evidence from US Households,” with Aileen Heinberg, Angela Hung, Arie Kapteyn, Anya Savikhin Samek, and Joanne Yoong, Oxford Review of Economic Policy, Winter 2014, 30(4), pp. 697-724.

DOI: 10.1093/oxrep/gru036  |  Download PDF

"Planning and Saving for Retirement,” in International Handbook on Ageing and Public Policy, Sarah Harper and Kate Hamblin (eds), Edward Elgar, Northampton, MA, 2014, pp. 474-489.

DOI: 10.4337/9780857933911.00050

“Financial Literacy and Financial Sophistication in the Older Population,” with Olivia S. Mitchell and Vilsa Curto, Journal of Pension Economics and Finance, October 2014, 13(4), pp. 347-366.

DOI: 10.1017/S1474747214000031  |  Download PDF

“The Economic Importance of Financial Literacy: Theory and Evidence,” with Olivia S. Mitchell, Journal of Economic Literature, March 2014, 52(1), pp. 5-44.

DOI: 10.1257/jel.52.1.5  |  Download PDF

“Financial Literacy and its Consequences: Evidence from Russia during the Financial Crisis,” with Leora Klapper and Georgios Panos, Journal of Banking and Finance, October 2013, 37(10), pp. 3904-3923.

DOI: 10.1016/j.jbankfin.2013.07.014  |  Download PDF

“Financial Literacy and Quantitative Reasoning in the High School and College Classroom,” with Dorothy Wallace, Numeracy, 6(2), article 1, July 2013.

DOI: 10.5038/1936-4660.6.2.1  |  Download PDF

“The Geography of Financial Literacy,” with Christopher Bumcrot and Judy Lin, Numeracy, 6(2), article 2, July 2013.

DOI: 10.5038/1936-4660.6.2.2  |  Download PDF

“Financial Literacy, Retirement Planning and Household Wealth,” with Rob Alessie and Maarten van Rooij, The Economic Journal, May 2012, vol. 122(560), pp. 449-478.

DOI: 10.1111/j.1468-0297.2012.02501.x  |  Download PDF

“Numeracy, Financial Literacy, and Financial Decision-Making,” in Numeracy, 5(1), Article 2, January 2012.
Winner of the inaugural Steen Award

DOI: 10.5038/1936-4660.5.1.2  |  Download PDF

“Financial Literacy and Retirement Planning in Germany,” with Tabea Bucher-Koenen, Journal of Pension Economics and Finance, October 2011, vol. 10(4), pp. 565-584.

DOI: 10.1017/S1474747211000485  |  Download PDF

“Financial Literacy, Retirement Preparation and Pension Expectations in the Netherlands,” with Rob Alessie and Maarten van Rooij, Journal of Pension Economics and Finance, October 2011, vol. 10(4), pp. 527-545.

DOI: 10.1017/S1474747211000461  |  Download PDF

“Financial Literacy and Retirement Planning in the United States,” with Olivia S. Mitchell, Journal of Pension Economics and Finance, October 2011, vol. 10(4), pp. 509-525.

DOI: 10.1017/S147474721100045X  |  Download PDF

“Financial Literacy Around the World: An Overview,” with Olivia S. Mitchell, Journal of Pension Economics and Finance, October 2011, vol. 10(4), pp. 497-508.

DOI: 10.1017/S1474747211000448  |  Download PDF

“Financially Fragile Households: Evidence and Implications,” with Daniel Schneider, and Peter Tufano, Brookings Papers on Economic Activity, Spring 2011, pp. 83-134.

DOI: 10.1353/eca.2011.0002  |  Download PDF

“Financial Literacy and Planning: Implications for Retirement Well-being,” with Olivia S. Mitchell, in Annamaria Lusardi and Olivia S. Mitchell (eds), Financial Literacy. Implications for Retirement Security and the Financial Marketplace, Oxford: Oxford University Press, 2011, pp. 17-39.

DOI: 10.1093/acprof:oso/9780199696819.003.0002  |  Download PDF

“The Outlook for Financial Literacy,” with Olivia S. Mitchell, in Annamaria Lusardi and Olivia S. Mitchell (eds), Financial Literacy. Implications for Retirement Security and the Financial Marketplace, Oxford: Oxford University Press, 2011, pp. 1-13.

DOI: 10.1093/acprof:oso/9780199696819.003.0001  |  Download PDF

“Financial Literacy and Retirement Planning in the Netherlands,” with Maarten van Rooij and Rob Alessie, Journal of Economic Psychology, 2011, vol. 32, pp. 593-608.

DOI: 10.1016/j.joep.2011.02.004  |  Download PDF

“Financial Literacy and Stock Market Participation,” with Maarten van Rooij and Rob Alessie, Journal of Financial Economics, 2011, vol. 102 (2), pp. 449-472

DOI: 10.1016/j.jfineco.2011.03.006  |  Download PDF

“Employee Retirement Savings: What We Know and What We are Discovering for Helping People to Prepare for Life After Work,” with Punam Keller, in David Mick, Simone Pettigrew, Connie Pechmann, and Julie Ozanne (eds.), Transformative Consumer Research for Personal and Collective Well Being: Reviews and Frontiers, Taylor and Francis Group, pp. 439-458, 2010.

DOI: 10.4324/9780203813256

“Adequacy of Saving for Old Age in Europe,” with Elsa Fornero and Chiara Monticone, in Lans Bovemberg, Arthur van Soest, and Asghar Zaidi (eds.), Ageing, Health and Pensions in Europe. An Economic and Social Policy Perspective, New York: Palgrave Macmillan, pp. 13-37, 2010.

DOI: 10.1057/9780230307346_2  |  Download PDF

“Financial Literacy among the Young,” with Olivia S. Mitchell and Vilsa Curto, Journal of Consumer Affairs, 2010, vol. 44(2), pp. 358-380.

DOI: 10.1111/j.1745-6606.2010.01173.x  |  Download PDF

"Heterogeneity in the Effect of Regulation on Entrepreneurship and Entry Size," with Silvia Ardagna, Journal of the European Economic Association Papers and Proceedings, 2010, vol. 8(2-3), pp. 594-605.

DOI: 10.1111/j.1542-4774.2010.tb00529.x  |  Download PDF

“The Importance of Business Owners in Assessing the Size of Precautionary Savings,” with Erik Hurst, Arthur Kennickell, and Francisco Torralba, Review of Economics and Statistics. February 2010, vol. 92(1), pp. 61-69.

DOI: 10.1162/rest.2009.11500  |  Download PDF

“Explaining International Differences in Entrepreneurship: The Role of Individual Characteristics and Regulatory Constraints,” with Silvia Ardagna, in Joshua Lerner and Antoinette Schoar (eds.), International Differences in Entrepreneurship, Chicago: University of Chicago Press, Chicago, IL, 2010, pp. 17-62.

DOI: 10.7208/chicago/9780226473109.003.0002  |  Download PDF

“U.S. Household Savings Behavior: The Role of Financial Literacy, Information and Financial Education Programs,” in Cristopher Foote, Lorenz Goette, and Stephan Meier (eds), Policymaking Insights from Behavioral Economics, Federal Reserve Bank of Boston, 2009, pp. 109-149.

DOI: 10.3386/w13824  |  Download PDF

“Teach Workers about the Perils of Debt,” with Peter Tufano, Harvard Business Review, November 2009, pp. 22-24.

Harvard Business Review

“Increasing the Effectiveness of Financial Education in the Work-Place,” in Taking Financial Literacy to the Next Level: Important Challenges and Promising Solutions, volume I, OECD, 2009, pp. 41-48.

Conference Proceedings

“New Ways to Make People Save: A Social Marketing Approach,” with Punam Keller and Adam M Keller, in Annamaria Lusardi (ed.), Overcoming the Saving Slump: How to Increase the Effectiveness of Financial Education and Saving Programs, Chicago: University of Chicago Press, Chicago, IL, 2008, pp. 209-236.

DOI: 10.7208/chicago/9780226497105.003.0008  |  Download PDF

“Planning and Financial Literacy: How Do Women Fare?” with Olivia S. Mitchell, American Economic Review, May 2008, 98(2), pp. 413-417.

DOI: 10.1257/aer.98.2.413  |  Download PDF

“Liquidity Constraints and Entrepreneurship. Household Wealth, Parental Wealth, and the Transition In and Out of Entrepreneurship” with Erik Hurst, in Diana Furchtgott-Roth (ed.), Overcoming Barriers to Entrepreneurship, Lexington Books, Lanham MD, 2008, pp. 47-68.

ISBN: 978-0-7391-2110-8  |  Download PDF

“Saving Between Cohorts: The Role of Planning," with Jason Beeler, in Brigitte Madrian, Olivia S. Mitchell, and Beth Soldo (eds.), Redefining Retirement: How Will Boomers Fare?, Oxford: Oxford University Press, 2007, pp. 271-295.

DOI: 10.1093/acprof:oso/9780199230778.003.0013  |  Download PDF

“Baby Boomer Retirement Security: The Role of Planning, Financial Literacy, and Housing Wealth,” with Olivia S. Mitchell, Journal of Monetary Economics, January 2007, vol. 54, pp. 205-224.
Awarded the Fidelity Pyramid Prize

DOI: 10.1016/j.jmoneco.2006.12.001  |  Download PDF

“Financial Literacy and Retirement Preparedness. Evidence and Implications for Financial Education,” with Olivia S. Mitchell, Business Economics, January 2007, pp. 35-44.

DOI: 10.2145/20070104  |  Download PDF

Discussion of the paper: "A Portfolio View of Consumer Credit," Journal of Monetary Economics, January 2006, 53(1), pp. 85-88.

DOI: 10.1016/j.jmoneco.2005.10.006  |  Download PDF

“Saving and the Effectiveness of Financial Education,” in Olivia S. Mitchell and Stephen Utkus (eds.), Pension Design and Structure: New Lessons from Behavioral Finance, Oxford: Oxford University Press, 2004, pp. 157-184. [Reprinted in the Journal of Financial Transformation, issue on Wealth, vol. 15, December 2005.]

DOI: 10.1093/0199273391.003.0009  |  Download PDF

"Explaining the Wealth Holdings of Different Cohorts: Productivity Growth and Social Security," with Rob Alessie and Arie Kapteyn, European Economic Review, 2005, vol. 49(5), pp. 1361-1391.

DOI: 10.1016/j.euroecorev.2003.12.001  |  Download PDF

“Liquidity Constraints, Household Wealth, and Entrepreneurship,” with Erik Hurst, Journal of Political Economy, April 2004, vol. 112 (2), pp. 319-347.

DOI: 10.1086/381478  |  Download PDF

"Credit Market Constraints and Labor Market Decisions," with Daniela Del Boca, Labour Economics, December 2003, 10, pp. 681-703.

DOI: 10.1016/S0927-5371(03)00048-4  |  Download PDF

“Saving: A Cross-National Perspective,” with Axel Börsch-Supan, in Axel Börsch-Supan (ed.), Life-Cycle Savings and Public Policy: A Cross-National Study in Six Countries, Academic Press, 2003, pp. 1-31.

DOI: 10.1016/B978-012109891-9.50032-4

“Preparing for Retirement: The Importance of Planning Costs,” National Tax Association Proceedings, 2002, pp. 148-154.

JSTOR: http://www.jstor.org/stable/41954279  |  Download PDF

“Saving, Public Policy and Late-Life Inequality,” with Jonathan Skinner and Steven Venti, in Stephen Crystal and Dennis Shea (eds.), Annual Review of Gerontology and Geriatrics, 2002, pp. 207-238

DOI: 10.1891/0198-8794.22.1.207  |  Download PDF

“Savings of Young Parents,” with Ricardo Cossa and E. Krupka, Journal of Human Resources, Fall 2001, vol. 36(4), pp. 762-794.

DOI: 10.2307/3069641  |  Download PDF

“Saving Puzzles and Saving Policies in the United States,” with Jonathan Skinner and Steven Venti, Oxford Review of Economic Policy, Spring 2001, 17(1), 95-115.

JSTOR: https://www.jstor.org/stable/23607015  |  Download PDF

Discussion of the paper: "Spendthrift in America? On Two Decades of Decline in the U.S. Personal Saving," in Ben Bernanke and Julio Rotemberg (eds.), NBER Macroeconomics Annual 1999, pp. 374-386.

ISBN: 0-262-52271-3  |  Download PDF

"Saving after Retirement: Evidence from Three Different Surveys," with Rob Alessie and Arie Kapteyn, Labour Economics, June 1999, vol. 6(2), pp. 277-310.

DOI: 10.1016/S0927-5371(99)00013-5

"Information, Expectations, and Savings for Retirement," in Henry Aaron (ed.), Behavioral Dimensions of Retirement Economics, Washington, D.C.: Brookings Institution Press and Russell Sage Foundation. 1999, pp. 81-115.

Brookings Institution Press

"On the Importance of the Precautionary Saving Motive," American Economic Review, May 1998, vol. 88(2), pp. 449-453.

JSTOR: https://www.jstor.org/stable/116965  |  Download PDF

"Precautionary Saving and Subjective Earnings Variance," Economics Letters, December 1997, vol. 57(3), pp. 319-326.

DOI: 10.1016/S0165-1765(97)00239-5  |  Download PDF

"Consumption, Saving and Habit Formation," with Rob Alessie, Economics Letters, August 1997, vol. 55(1), pp. 103-108

DOI: 10.1016/S0165-1765(97)00061-X  |  Download PDF

"Saving and Income Smoothing: Evidence from Panel Data," with Rob Alessie, European Economic Review, July 1997, vol. 41, pp. 1251-1279.

DOI: 10.1016/S0014-2921(96)00023-2  |  Download PDF

"Excess Sensitivity and Asymmetries in Consumption: An Empirical Investigation," with René Garcia and Serena Ng, Journal of Money, Credit and Banking, May 1997, vol. 29(2), pp. 154-176.

DOI: 10.2307/2953673  |  Download PDF

"Income and Wealth over the Life Cycle: Evidence from Panel Data," with Rob Alessie and Trea Aldershof, Review of Income and Wealth, March 1997, vol. 43(1), pp. 1-32.

DOI: 10.1111/j.1475-4991.1997.tb00198.x  |  Download PDF

"Household Savings: Micro Theories and Micro Facts," with Martin Browning, Journal of Economic Literature, December 1996, vol. 34, pp. 1797-1855.

JSTOR: https://www.jstor.org/stable/2729595  |  Download PDF

"Permanent Income, Current Income and Consumption: Evidence from Two Panel Data Sets," Journal of Business and Economic Statistics, January 1996, vol. 14(1), pp. 81-90.

DOI: 10.1080/07350015.1996.10524631  |  Download PDF

"Saving and Wealth Holdings of the Elderly," with Rob Alessie and Arie Kapteyn, Research in Economics, September 1995, vol. 49, pp. 293-315

DOI: 10.1016/0035-5054(95)90006-3  |  Download PDF