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Financial decisions are compelled and constrained by non-financial factors. These include personality characteristics of individuals as well as the social environments in which decisions are made. This paper provides an overview of theories that seek to explain how non-financial factors influence More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The development and use of technology-based tools for financial literacy education has grown rapidly in recent years, often based on the presumption that digital media will enhance past practice. However, little attention has been given to understanding why such technologies may be expected to More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
An on-line survey of K-12 teachers was conducted to determine teachers’ background and capacity to teach personal finance. Results indicate that while teachers recognize the importance of teaching personal finance, few have had formal preparation for teaching this subject matter; also, the teaching More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Use of social media has grown exponentially among all ages and groups in recent years and is an important trend for those interested in building financial capacity because close associates are known to be important sources of financial information and social media are being embraced most rapidly More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
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: 3/27/2012
This article models respondent behavior in a financial survey with a framework explicitly integrating a respondent’s knowledge of and willingness to reveal his or her financial status. Whether a respondent provides a valid answer, a “don’t know”, or a “refusal” to a financial question depends on More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
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: 3/27/2012
The Community Development Department of the Federal Reserve Bank of San Francisco (FRBSF) commissioned this study to explore the feasibility of passing a financial education mandate in California. Specifically, we sought to understand the key barriers related to passing a mandate in California and More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
In this paper we provide a comprehensive critical analysis of research that has investigated the impact of financial education programs on consumer financial behavior. In light of the evidence, we recommend that future programs be highly targeted towards a specific audience and area of financial More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
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: 3/27/2012