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A report, Opportunities to Improve the Financial Capability and Financial Wellbeing of Postsecondary Students, has been prepared by the Financial Literacy and Education Commission (FLEC) and describes the state of financial education among postsecondary students. The report describes current More information...
Audience: Individual Researcher Teacher Youth
Type of Resource: Report
Tags: ​ Postsecondary Education, Financial Literacy, Financial Capability
Date: 7/22/2015
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: 7/17/2014
Earlier research suggests that many people in their fifties and early sixties are not well informed about their Social Security entitlements. This paper investigates the effect of deviations between predicted and realized Social Security benefits on several measures of well-being in retirement, More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Studying household investment behavior is essential for understanding the full consequences of old age social security benefits. Using data from six waves of the Health and Retirement Study, we analyze the dynamics of portfolio composition before respondents start claiming social security benefits. More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The Social Security trust fund is predicted to be depleted by 2041. While there are several viable reform proposals to restore long-term solvency of the Social Security system, one important element that is critical to the success of any reform remains unknown: how will individuals respond to, More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
How do low-income households think about retirement? Do they think about retirement? If so, when do they think they will retire, and what is it they plan to live on? In this paper, we present evidence on these questions based on 51 qualitative interviews with low-income families in the Detroit More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Common financial planning advice calls for households to ensure that retirement income exceeds 70 percent of average pre-retirement income. We use an augmented life-cycle model of household behavior to examine optimal replacement rates for a representative set of retired American households. We More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This study explores the relationship between general human capital investment, financial knowledge, occupational spillovers, and the accumulation of wealth in a primarily descriptive manner. Drawing upon human capital theory and following previous related work by Delavande, Rohwedder and Willis More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This environmental scan focuses on financial and/or health literacy initiatives for low-income or underserved consumers. AIR conducted a review of literature from 2005 through 2010 and conducted interviews with program officials from Federal agencies and private organizations to develop key More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
The degree to which the Social Security tax distorts labor supply decisions depends on the extent to which individuals recognize that future benefits are based on how much they worked. To measure the perceived linkage between labor supply and Social Security benefits, we administer a survey More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012