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Abstract: American women tend to be less financially literate than men, which is consistent with a household division of labor in which men manage finances. However, women also tend to outlive their husbands, so they will eventually need to take over this task. Using a new survey of older couples, More information...
Audience: Researcher
Type of Resource: Working paper
Date: 1/1/2012
This project examines the impact of employer-provided financial education for newly hired workers on contributions to voluntary retirement savings plans. Using administrative data from five large employers, the researchers assess the impact of information and delivery methods on the choice to More information...
Audience: Researcher
Type of Resource: Working paper
Date: 12/1/2011
Based on temporal construal theory, the length of time a person has before they reach retirement age will influence how they react to different types of messages. This theory predicts younger workers prefer more abstract communications compared to older workers who should prefer more concrete More information...
Audience: Researcher
Type of Resource: Working paper
Date: 11/1/2011
Household financial planning can be challenging and household members often lack basic financial literacy skills. This paper discusses the potential and pitfalls of one approach to solving these problems—the development and dissemination of financial guidelines simple enough to be explained in More information...
Audience: Researcher
Type of Resource: Working paper
Date: 11/1/2011
We present new experimental evidence on heterogeneity in the formation of inflation expectations and relate the variation to economic literacy and demographics. The experimental design allows us to investigate two channels through which expectations-formation may vary across individuals: (1) the More information...
Audience: Researcher
Type of Resource: Working paper
Date: 11/1/2011
This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. It describes a qualitative field study of librarians’ perceptions of the challenges in offering financial literacy-based More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
While low-income households face significant barriers to saving or otherwise investing in the future, cash payments provided by public policies and programs provide opportunities to divert income from daily expenses. Using a variety of financial sophistication measures, we identify predictors of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
Using the Wisconsin Longitudinal Study, a sample of Wisconsin high school graduates from the class of 1957, we unpack the relationship between general human capital and late-life financial literacy. In short, we examine the links between cognition and financial literacy. We find that those with More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
Low and moderate-income households are less likely to plan for long term financial goals, including retirement. Targeting low and moderate income households with efficient and effective financial education and planning interventions is challenging because intensive financial planning services are More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
The Social Security Statement is sent annually to each individual over age 25. The Statement contains information regarding the Social Security program, the individual's past covered earnings and contributions, and an estimate of the individual's future retirement benefits. Given the complexity of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011