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This article summarizes a Federal Reserve Board research study focusing on the effectiveness of a financial education program for military personnel. Soldiers attending the Army’s air defender advanced individualized training (AIT) at Ft. Bliss were offered a two-day financial education course More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
The case is often made that financial education leads to improved financial decisions. In this paper, we begin by assessing the need for financial education by reviewing national trends in savings, debt, and retirement funding as well as by reviewing the literature linking personal financial More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
… and Level of Discretionary Retirement Savings 1 http … and Level of Discretionary Retirement Savings http://trpropubwfe21 … and Level of Discretionary Retirement Savings http://trpropubwfe21 … More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
In 2009, the Center for Retirement Research analyzed responses to the financial and economic downturn of workers approaching retirement. The CRR surveyed 1,317 workers age 45 to 59 between July and August 2009. The main results showed a significant rise in expected retirement ages, but little More information...
Audience: Researcher
Type of Resource: Brief
Date: 3/27/2012
In 1995, the Social Security Administration started sending out the annual Social Security Statement. It contains information about the worker’s estimated benefits at the ages 62, 65, and 70. I use this unique natural experiment to analyze the retirement and claiming decision-making. First, I find More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Doorways to Dreams Fund (D2D) is working to develop and test video games attractive to low-income and minority adults that will provide training in critical financial skills to improve financial decision-making. During the last year, D2D has conceived, developed and delivered the third and fourth More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
We examined financial literacy among the young using the most recent wave of the 1997 National Longitudinal Survey of Youth. We showed that financial literacy is low; fewer than one-third of young adults possess basic knowledge of interest rates, inflation, and risk diversification. Financial More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Increasingly, individuals are in charge of their own financial security and are confronted with ever more complex financial instruments. However, there is evidence that many individuals are not well-equipped to make sound saving decisions. This paper demonstrates widespread financial illiteracy More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Individuals are increasingly in charge of their own financial security after retirement. But how well-equipped are individuals to make saving decisions; do they possess adequate financial literacy, are they informed about the most important components of saving plans, do they even plan for More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: I test the credit-market effects of housing wealth shocks by estimating the consumption elasticity of house price shocks among households in different age quintiles. Younger households face faster expected income growth and hence would like to borrow more than older households. I estimate More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012