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Annamaria Lusardi

Citations

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Blog mentions

As found by EconAcademics.org, the blog aggregator for Economics research:
  1. Annamaria Lusardi & Daniel Schneider & Peter Tufano, 2010. "The Economic Crisis and Medical Care Usage," Harvard Business School Working Papers 10-079, Harvard Business School.

    Mentioned in:

    1. The Economic Crisis and Medical Care Usage
      by Ariel Goldring in Free Market Mojo on 2010-05-12 16:56:38

Working papers

  1. Maria Demertzis & Luca Léry Moffat & Annamaria Lusardi & Juan Mejino-López, 2024. "The state of financial knowledge in the European Union," Bruegel Policy Brief node_9754, Bruegel.

    Cited by:

    1. Tommaso Agasisti & Alessio D'Ignazio & Gabriele Iannotta & Angela Romagnoli & Marco Tonello, 2024. "As soon as possible: the effectiveness of a financial education program in Italian schools," Temi di discussione (Economic working papers) 1464, Bank of Italy, Economic Research and International Relations Area.
    2. Eulália Santos & Fernando Oliveira Tavares & Cátia Maurício, 2025. "What Do Children with Above-Average Abilities Understand About Financial Literacy?," JRFM, MDPI, vol. 18(5), pages 1-18, May.
    3. Dieter Korczak, 2025. "The Role of Financial Education for the Prevention of Financial Fragility and Over-Indebtedness," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 815-829, July.
    4. Malmendier, Ulrike & Schaffranka, Claudia & Schwarz, Milena, 2025. "Generation Frühstart-Rente," Working Papers 02/2025, German Council of Economic Experts / Sachverständigenrat zur Begutachtung der gesamtwirtschaftlichen Entwicklung.
    5. Agasisti, Tommaso & D’Ignazio, Alessio & Iannotta, Gabriele & Romagnoli, Angela & Tonello, Marco, 2025. "Financial literacy calls the roll — The effectiveness of a financial education program in Italian schools," Economics of Education Review, Elsevier, vol. 109(C).

  2. Tim Kaiser & Annamaria Lusardi, 2024. "Financial Literacy and Financial Education: An Overview," CESifo Working Paper Series 11070, CESifo.

    Cited by:

    1. Montagnoli, Alberto & Taylor, Karl, 2024. "Who Cares about Investing Responsibly? Attitudes and Financial Decisions," IZA Discussion Papers 16952, IZA Network @ LISER.
    2. Daniele Chiavenato & Ricardo A. Madeira & Vitor Vaccaro, 2024. "Does Financial Education Impact School Attainment? Experimental Evidence from Brazil," NOVAFRICA Working Paper Series wp2402, Universidade Nova de Lisboa, Nova School of Business and Economics, NOVAFRICA.
    3. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    4. Liane Platz & Michael Juettler, 2025. "Development of basic-needs experience and finance-related attitude through game-based learning: The role of game mechanics and debriefing," PLOS ONE, Public Library of Science, vol. 20(12), pages 1-18, December.
    5. Dieter Korczak, 2025. "The Role of Financial Education for the Prevention of Financial Fragility and Over-Indebtedness," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 815-829, July.
    6. Theodosis Kallenos & Andreas Milidonis & George Nishiotis & Stavros Zenios, 2025. "Financial education and spillover effects," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 52(2), pages 243-271, May.
    7. Oberrauch, Luis & Kaiser, Tim, 2024. "Financial Education or Incentivizing Learning-By-Doing? Evidence from an RCT with Undergraduate Students," Journal of Behavioral and Experimental Finance, Elsevier, vol. 43(C).
    8. Daniele Chiavenato & Ricardo A. Madeira & Vitor Vaccaro, 2024. "Does financial education impact school attainment? Experimental evidence from Brazil," Nova SBE Working Paper Series wp666, Universidade Nova de Lisboa, Nova School of Business and Economics.
    9. Bello, Piera & Cristini, Annalisa & Manzoni, Elena & Origo, Federica & Puca, Marcello & Sturaro, Caterina, 2025. "Women’s empowerment through financial literacy in a developed country," Journal of Behavioral and Experimental Finance, Elsevier, vol. 48(C).
    10. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    11. Jacob, Remya Tressa & Sensarma, Rudra, 2026. "Does knowledge empower? Debt literacy and credit usage in rural consumer finance," Pacific-Basin Finance Journal, Elsevier, vol. 96(C).
    12. Luis Oberrauch & Tim Kaiser, 2024. "Financial Education or Incentivizing Learning-by-Doing? Evidence from an RCT with Undergraduate Students," CESifo Working Paper Series 11187, CESifo.
    13. Awais Farid Khan & Andreas Chai & Nicholas Rohde & Mirela Malin, 2026. "Bank on It: How Bank Account Access Enhances the Effectiveness of Financial Literacy Programs in Pakistan: A Quasi‐Experimental Evaluation," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.

  3. Maarten van Rooij & Rob Alessie & Annamaria Lusardi, 2024. "Financial literacy in the DNB Household Survey: Insights from innovative data collection," Working Papers 815, DNB.

    Cited by:

    1. Jessica Piccolo & Alessia Russo & Eleonora Granziera & Efrem Castelnuovo, 2026. "Households’ Macroeconomic Beliefs: The Role of Education," CESifo Working Paper Series 12784, CESifo.

  4. Lusardi, Annamaria & Mitchell, Olivia S, 2023. "The Importance of Financial Literacy: Opening a New Field," CEPR Discussion Papers 18533, Centre for Economic Policy Research.

    Cited by:

    1. Michael Ayikwei Quarshie & Shakeb Akhtar & Donkor Nawaah, 2025. "Barriers to breakthroughs: the crucial role of support services in advancing accounting practices, financial literacy and performance in disability-led SMEs," Quality & Quantity: International Journal of Methodology, Springer, vol. 59(2), pages 955-977, April.
    2. Donato Masciandaro, 2023. "Politicians, Trust and Financial Literacy: When Do Politicians Care?," BAFFI CAREFIN Working Papers 23206, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    3. Gregory Brock & Vicente German-Soto, 2024. "Long Run Wealth Convergence Clubs In U.S. States: A Story Of Growth Rates Not Levels," Eurasian Journal of Social Sciences, Eurasian Publications, vol. 12(2), pages 66-81.
    4. Giorgio Calcagnini & Federico Favaretto & Germana Giombini & Fabio Tramontana, 2025. "Household Financial Fragility, Debt and Income in a Dynamic Model," Computational Economics, Springer;Society for Computational Economics, vol. 65(2), pages 963-988, February.
    5. Mateo Velásquez-Giraldo, 2024. "Life-Cycle Portfolio Choices and Heterogeneous Stock Market Expectations," Finance and Economics Discussion Series 2024-097, Board of Governors of the Federal Reserve System (U.S.).
    6. Pablo Cotler, 2025. "Does financial inclusion reduce informal savings? Evidence from Mexico," Working Paper Series Sobre México 2025002, Sobre México. Temas en economía.
    7. Carin van der Cruijsen & Jakob de Haan, 2025. "Payment literacy pays off: higher trust and financial inclusion," Working Papers 831, DNB.
    8. Carolina Guerini & Donato Masciandaro & Alessia Papini, 2025. "Literacy and Financial Education: Private Providers, Public Certification and Political Preferences," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 463-514, July.
    9. Bucci, Alberto & Calcagno, Riccardo & Marsiglio, Simone & Sequeira, Tiago Neves, 2025. "Financial literacy, human capital and long-run economic growth," The North American Journal of Economics and Finance, Elsevier, vol. 80(C).
    10. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    11. Riccardo Calcagno & Paolo Finaldi Russo & Ludovica Galotto & Anita Quas, 2024. "Financial literacy of micro-entrepreneurs and access to credit," Questioni di Economia e Finanza (Occasional Papers) 853, Bank of Italy, Economic Research and International Relations Area.
    12. Koomson, Isaac & Churchill, Sefa Awaworyi & Smyth, Russell, 2025. "Financial literacy and clean energy adoption in South Africa," Energy Economics, Elsevier, vol. 151(C).
    13. Łukasz Gębski & Georges Daw, 2024. "Consumers’ Financial Knowledge in Central European Countries in the Light of Consumer Research ["Littératie" financière en Europe Centrale à la lumière de la recherche récente sur la consommation]," Post-Print hal-04678764, HAL.
    14. Hospido, Laura & Iriberri, Nagore & Machelett, Margarita, 2023. "Gender Gaps in Financial Literacy: A Multi-Arm RCT to Break the Response Bias in Surveys," IZA Discussion Papers 16628, IZA Network @ LISER.
    15. Trevor J. Bakker & Stefanie DeLuca & Eric A. English & Jamie Fogel & Nathaniel Hendren & Daniel Herbst, 2025. "Credit Access in the United States," Working Papers 25-45, Center for Economic Studies, U.S. Census Bureau.
    16. Christos I. Giannikos & Efstathia D. Korkou, 2025. "Financial Literacy and Credit Card Payoff Behaviors: Using Generalized Ordered Logit and Partial Proportional Odds Models to Measure American Credit Card Holders’ Likelihood of Repaying Their Credit Cards," IJFS, MDPI, vol. 13(1), pages 1-17, February.
    17. Rob Kim Marjerison & Hang Dong & Jong Min Kim, 2025. "Generational Investment Behavior: The Influence of Risk Tolerance and Technology Adoption in an Evolving Financial Landscape," SAGE Open, , vol. 15(3), pages 21582440251, August.
    18. Aristei, David & Gallo, Manuela & Vannoni, Valeria, 2024. "Preferences for ethical intermediaries and sustainable investment decisions in micro-firms: The role of financial literacy and digital financial capability," Research in International Business and Finance, Elsevier, vol. 71(C).
    19. Christos I. Giannikos & Efstathia D. Korkou, 2023. "Gender and Risk-Taking in the Building of U.S. Retirement Wealth," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 51(4), pages 259-274, December.
    20. Carolina Guerini & Donato Masciandaro, 2023. "Financial Education between Market and State: Private Commitment, Conflicts of Interest and Public Certification," BAFFI CAREFIN Working Papers 23213, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    21. Hoang Phong Nguyen & Thi Bich Duyen Pham, 2024. "Determinants of risky buy-now-pay-later intentions and behaviors of Vietnamese students," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1318-1329, December.
    22. Oberrauch, Luis & Kaiser, Tim, 2024. "Digital Interventions to Increase Financial Knowledge: Evidence from a Pilot RCT," IZA Discussion Papers 16811, IZA Network @ LISER.
    23. Tréguier, Julie & Bonnet, Carole & Blanchet, Didier, 2025. "How Long Will You Be a Widow? Determinants, Trends, and Income Gradient in Widowhood Duration," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 62(2), pages 467-488.
    24. Claudia Curi & Andreas Dibiasi & Francesco Nicolini & Matteo Ploner & Mirco Tonin, 2026. "Longevity Beliefs and Retirement Planning: Evidence from an Information Experiment and Expert Forecasts," CESifo Working Paper Series 12907, CESifo.
    25. Reisdorfer-da-Silva, Rômulo César & Becker, Kalinca Léia & Vieira, Kelmara Mendes, 2025. "The impact of board games on the financial literacy of public-school students," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 114(C).
    26. Dieter Korczak, 2025. "The Role of Financial Education for the Prevention of Financial Fragility and Over-Indebtedness," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 815-829, July.
    27. Collins, J. Michael & Urban, Carly, 2025. "The Devil Is in the Details: State-Mandated Personal Finance Education and Financial Well-Being," IZA Discussion Papers 18268, IZA Network @ LISER.
    28. Donato Masciandaro, 2023. "Politicians, Trust, Financial Literacy and Financial Education: When Do Politicians Care?," BAFFI CAREFIN Working Papers 23208, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    29. Giulio Cornelli & Leonardo Gambacorta & Livia Pancotto, 2023. "Buy now, pay later: a cross-country analysis," BIS Quarterly Review, Bank for International Settlements, December.
    30. Tilahun Emiru & Anna Hoffman, 2026. "Financial Literacy and Portfolio Decisions," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 54(1), pages 75-92, March.
    31. Bloomfield, Adam & Goodman, Lucas & Rao, Manita & Slavov, Sita, 2025. "State Auto-IRA policies and firm behavior: Lessons from administrative tax data," Journal of Public Economics, Elsevier, vol. 247(C).
    32. Carmen González‐velasco & Isabel Feito‐ruiz & Marcos González‐fernández & Pilar Sierra‐fernández & Yolanda Fernández‐santos & Rubén Arrondo‐garcía & Sigrid Vandemaele & Souad Lajili Jarjir & Anneleen , 2025. "Do Training Programmes Improve Awareness of Sustainable Finance?," Post-Print hal-05226683, HAL.
    33. Guo, Xuejun & Guo, Xiaoxi & Guan, Haoran, 2025. "Does rural Households’ financial literacy affect the household portfolio choices in poverty alleviation areas?," Economic Analysis and Policy, Elsevier, vol. 85(C), pages 1550-1562.
    34. Carolina Guerini & Donato Masciandaro & Alessia Papini, 2024. "Literacy and Financial Education: Private Providers, Public Certification and Political Preferences," BAFFI CAREFIN Working Papers 24223, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    35. Lo Prete, Anna, 2024. "Digital and financial literacy and the development of e-government platforms," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202411, University of Turin.
    36. lilimboya@gmail.com, 2026. "Hard Work as a Poverty Script: Examining the Relationship between Generational Work Beliefs and Financial Success among Urban Households in Nairobi County, Kenya," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 13(6), pages 4587-4601, June.
    37. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).
    38. Chung, Sol & Agnew, Julie & Bateman, Hazel & Eckert, Christine & Liu, Junhao & Thorp, Susan, 2024. "The impact of mortgage broker use on borrower confusion and preferences," Journal of Economic Behavior & Organization, Elsevier, vol. 224(C), pages 229-247.
    39. Oberrauch, Luis & Kaiser, Tim, 2024. "Financial Education or Incentivizing Learning-By-Doing? Evidence from an RCT with Undergraduate Students," Journal of Behavioral and Experimental Finance, Elsevier, vol. 43(C).
    40. Bairoliya, Neha & McKiernan, Kathleen, 2024. "The welfare costs of misinformation," Journal of Economic Dynamics and Control, Elsevier, vol. 169(C).
    41. Lukasz Gebski & Georges Daw & Krzysztof Waliszewski & Mateusz Folwarski & Oleksii Druhov, 2025. "Could the Popularity of BNPL Result from Consumers’ Misconceptions about the Financial Product’s?," Post-Print hal-05401236, HAL.
    42. Isaia, Eleonora & Oggero, Noemi & Sandretto, Davide, 2024. "Is financial literacy a protection tool from online fraud in the digital era?," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    43. David Aristei & Manuela Gallo & Pierluigi Murro, 2025. "Financial Knowledge and Financial Fragility: Longitudinal Evidence from Italy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 667-702, July.
    44. Guglielmo Briscese & John List & Sabrina Liu, 2025. "Navigating the College Affordability Crisis: Insights from College Savings Accounts," Artefactual Field Experiments 00824, The Field Experiments Website.
    45. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    46. Samira Ben Belgacem & Ghousia Khatoon & Hussaini Bala & Abad Alzuman, 2024. "The Role of Financial Technology on the Nexus Between Demographic, Socio-economic, and Psychological Factors, and the Financial Literacy Gap," SAGE Open, , vol. 14(2), pages 21582440241, May.
    47. Melanie Koch & Marco Langiulli, 2025. "Necessity entrepreneurship, financial literacy and business performance: evidence from an international survey," Questioni di Economia e Finanza (Occasional Papers) 936, Bank of Italy, Economic Research and International Relations Area.
    48. Bellocchi, Alessandro & Travaglini, Giuseppe, 2024. "Financial literacy, uncertainty and costs of education," Economics Letters, Elsevier, vol. 238(C).
    49. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    50. Wang, Yaojing & Yuan, Cheng & Zhao, Jiayu, 2025. "Growth-mindset financial education and labor supply of low-income women: An RCT evidence from rural China," Emerging Markets Review, Elsevier, vol. 69(C).
    51. Barrafrem, Kinga & Västfjäll, Daniel & Tinghög, Gustav, 2024. "Financial Homo Ignorans: Development and validation of a scale to measure individual differences in financial information ignorance," Journal of Behavioral and Experimental Finance, Elsevier, vol. 42(C).
    52. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    53. Luis Oberrauch & Tim Kaiser, 2024. "Financial Education or Incentivizing Learning-by-Doing? Evidence from an RCT with Undergraduate Students," CESifo Working Paper Series 11187, CESifo.
    54. Ravees Hussain Bhat & Rahila Hafiz & Tanveer Ahmad Darzi, 2026. "Towards inclusive growth and prosperity: Does financial literacy bolster financial inclusion among persons with disabilities (PWDs) in India?," SN Business & Economics, Springer, vol. 6(4), pages 1-20, April.
    55. Diego A. Rodríguez-Pinilla & Luis Eduardo Castellanos-Rodríguez & Andrea López-Rodríguez & Pilar Esguerra-Umaña, 2024. "Educación financiera y bienestar financiero: evidencia de Colombia en un entorno de alta inflación," Borradores de Economia 1267, Banco de la Republica de Colombia.
    56. Giuseppe Bertola & Anna Lo Prete, 2025. "Financial Literacy and Risk Protection During the Covid-19 Pandemic," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 645-666, July.
    57. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2025. "Fearless Woman: Financial Literacy, Confidence, and Stock Market Participation," Management Science, INFORMS, vol. 71(9), pages 7414-7430, September.
    58. Tohar, Gilad & Akron, Sagi, 2025. "Financial literacy cognitions and optimal financial behavior," Finance Research Letters, Elsevier, vol. 83(C).
    59. Gregory N. Price & Christopher Surprenant, 2026. "The effect of high school only financial education on financial literacy, financial knowledge, and adult financial outcomes: Some treatment effect evidence from the National Financial Capability Study," Review of Financial Economics, John Wiley & Sons, vol. 44(2), April.
    60. Borghi, Elisa & Masciandaro, Donato & Papini, Alessia, 2024. "European politicians and financial literacy activism: Does financial (in)stability matter?," Economics Letters, Elsevier, vol. 244(C).
    61. Cziriak, Marius & Bucher-Koenen, Tabea & Alessie, Rob, 2024. "Beyond knowledge: Confidence and the Gender Gap in Financial Literacy," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302421, Verein für Socialpolitik / German Economic Association.
    62. Zhuoran Bai & Junliang Ge & Danyang Zhang & Yan Zhang, 2026. "Digital infrastructure and export of SMEs: evidence from China," Small Business Economics, Springer, vol. 66(4), pages 1875-1900, April.
    63. Cho Man, 2025. "A Behavioral-Pattern Driven Framework for Research on Financial Consumer Protection," International Review of Financial Consumers, Paradigm, vol. 10(1), pages 19-36.
    64. David-Jan Jansen, 2025. "What should we say, when we talk about financial stability with the public?," Tinbergen Institute Discussion Papers 25-070/IV, Tinbergen Institute.
    65. Ann Sloan Devlin & Purba Mukerji, 2025. "Can Giving Straightforward, Personally Relevant Information Improve Financial Decision-Making?," Journal of Consumer Policy, Springer, vol. 48(4), pages 445-487, December.
    66. Pan, Xuefeng & Tian, Yuhao & Wu, Weixing, 2025. "Digital finance and household retirement planning: Evidence from China," Research in International Business and Finance, Elsevier, vol. 80(C).
    67. Jones, Michael & Luu, Truong (Jack) & Samuel, Binny, 2024. "The interdependence of financial literacy and crypto literacy," Economics Letters, Elsevier, vol. 239(C).
    68. Garriga, Ana Carolina, 2025. "A Gender Gap in Attitudes Towards Monetary Policy? The Case of Satisfaction with the Bank of England," MPRA Paper 126113, University Library of Munich, Germany.
    69. Atkinson Adele & Buckland Jerry & Harle Emily, 2024. "What does numeracy add? Exploring financial literacy, numeracy and other skills amongst low-income adults in Canada and the UK," International Review of Financial Consumers, Paradigm, vol. 9(2), pages 29-44.
    70. Ceyla Antonio-Anderson & Elena Fuentes & Maricela Carolina Peña Cárdenas, 2024. "Incidencia de los factores socioeconómicos en la alfabetización financiera," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-25, Enero - M.
    71. Andrea Bacchiocchi & Federico Favaretto & Germana Giombini, 2025. "Balancing Interests: Economic Incentives in Financial Education for Households and Banks," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 515-545, July.
    72. Bank for International Settlements, 2024. "Literature review on financial technology and competition for banking services," BCBS Working Papers 43, Bank for International Settlements.
    73. Knebel-Seitz, Caroline, 2026. "Testing an investment simulation tool: Effects on knowledge, confidence, and motivation," ZEW Discussion Papers 26-015, ZEW - Leibniz Centre for European Economic Research.
    74. Bertola, Giuseppe & Lo Prete, Anna, 2024. "Financial Literacy and Resilience when Survey Respondents Prefer Guessing to Admitting Ignorance," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202406, University of Turin.
    75. Lucy Haag & Luis Oberrauch & Taiga Brahm, 2026. "The Gender Gap in Financial Literacy—The Role of Response Behavior," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.
    76. Lars Hornuf & David J. Streich & Niklas Töllich, 2025. "Making GenAI Smarter: Evidence from a Portfolio Allocation Experiment," CESifo Working Paper Series 11862, CESifo.
    77. Jung, Alexander & Mongelli, Francesco Paolo, 2025. "Central bank communication with non-experts: insights from a randomized field experiment," Working Paper Series 3103, European Central Bank.
    78. Richard Mark Malinao, LPT, MBA, 2026. "Financial Sustainability of Community-Based Micro-Enterprises: A Multi-Case Study on Informal Record-Keeping Among Sari-Sari Stores in a Rural Philippine Setting," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(4), pages 6608-6619, April.
    79. Aristei, David & Gallo, Manuela & Minetti, Raoul, 2024. "Financial literacy and borrower discouragement," Economics Letters, Elsevier, vol. 243(C).
    80. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.
    81. Donato Masciandaro, 2026. "Monetary Policy and Taylor Reaction Functions: Business Cycles, Central Bank Governance and Central Bankers’ Preferences," BAFFI CAREFIN Working Papers 26270, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.

  5. Lusardi, Annamaria & Bucher-Koenen, Tabea & Alessie, Rob & Van Rooij, Maarten, 2021. "Fearless Woman: Financial Literacy and Stock Market Participation," CEPR Discussion Papers 15913, Centre for Economic Policy Research.

    Cited by:

    1. Kamila Duraj & Daniela Grunow & Michael Haliassos & Christine Laudenbach & Stephan Siegel, 2025. "Rethinking the Stock Market Participation Puzzle: A Qualitative Approach," CESifo Working Paper Series 11980, CESifo.
    2. Fan, Lu & Chatterjee, Swarn & Kim, Jinhee, 2022. "Young adults’ personality traits and subjective well-being: The role of perceived money management capability," Journal of Behavioral and Experimental Finance, Elsevier, vol. 35(C).
    3. Calvin Mudzingiri, 2024. "The Effect of Financial Literacy Confidence on Financial Risk Preference Confidence. A Lab Experiment Approach," SAGE Open, , vol. 14(2), pages 21582440241, May.
    4. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    5. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    6. Lee, I. & Lléo-Bono, A. & Rauh, C. & Tipoe, E., 2025. "The Causal Effects of Confidence Awareness on Financial Literacy and Behaviour," Cambridge Working Papers in Economics 2567, Faculty of Economics, University of Cambridge.
    7. Cheng-Wen Lee & Andrian Dolfriandra Huruta, 2022. "Green Microfinance and Women’s Empowerment: Why Does Financial Literacy Matter?," Sustainability, MDPI, vol. 14(5), pages 1-13, March.
    8. Filippini, Massimo & Leippold, Markus & Wekhof, Tobias, 2024. "Sustainable finance literacy and the determinants of sustainable investing," Journal of Banking & Finance, Elsevier, vol. 163(C).
    9. Hospido, Laura & Iriberri, Nagore & Machelett, Margarita, 2023. "Gender Gaps in Financial Literacy: A Multi-Arm RCT to Break the Response Bias in Surveys," IZA Discussion Papers 16628, IZA Network @ LISER.
    10. Milena Dinkova & Adriaan Kalwij & Rob Alessie, 2021. "Know More, Spend More? The Impact of Financial Literacy on Household Consumption," De Economist, Springer, vol. 169(4), pages 469-498, November.
    11. Alessio D'Ignazio & Ludovica Galotto & Cristiana Rampazzi, 2024. "Tackling the gender gap in financial literacy. Evidence from a financial education program in the workplace," Questioni di Economia e Finanza (Occasional Papers) 855, Bank of Italy, Economic Research and International Relations Area.
    12. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    13. Guna Ciemleja & Konstantins Kozlovskis, 2021. "Building financial literacy during the COVID-19 pandemic," Entrepreneurship and Sustainability Issues, VsI Entrepreneurship and Sustainability Center, vol. 9(2), pages 289-302, December.
    14. Ooi, Elizabeth, 2023. "Culture and confidence in financial knowledge testing," Pacific-Basin Finance Journal, Elsevier, vol. 77(C).
    15. Yang, Xiaolan & Fang, Xiaotong & Gao, Mei & Ackert, Lucy F. & Qi, Li, 2024. "Follow the gaze: How social attention shapes gendered trading choices," China Economic Review, Elsevier, vol. 88(C).
    16. Alessio D'Ignazio & Ludovica Galotto & Daniela Marconi & Marco Panfili, 2025. "Reaching wide through small screens: the impact of a Banca d'Italia financial education TV campaign," Questioni di Economia e Finanza (Occasional Papers) 990, Bank of Italy, Economic Research and International Relations Area.
    17. Valentina Maria Andreucci & Alessio D'Ignazio & Francesca Festa & Marialucia Longo & Francesco Rossetti, 2025. "Experiential financial education. Assessing the effectiveness of a Banca d'Italia museum exhibition," Questioni di Economia e Finanza (Occasional Papers) 943, Bank of Italy, Economic Research and International Relations Area.
    18. Philomena Bacon & Anna Conte & Peter G. Moffatt, 2021. "L'analisi dell'attitudine al rischio tra i membri della famiglia. (The analysis of risk attitude amongst family members)," Moneta e Credito, Economia civile, vol. 74(294), pages 137-147.
    19. Maddalena Davoli, 2023. "A, B, or C? Question Format and the Gender Gap in Financial Literacy," Economics of Education Working Paper Series 0206, University of Zurich, Department of Business Administration (IBW).
    20. Kim, Hugh H. & Maurer, Raimond & Mitchell, Olivia S., 2021. "How financial literacy shapes the demand for financial advice at older ages," The Journal of the Economics of Ageing, Elsevier, vol. 20(C).
    21. P. S. Abhijith & Antony Joseph K., 2022. "Reverse FinTech Socialisation: A Remedy for Financial Exclusion in the Digital Era," International Journal of E-Business Research (IJEBR), IGI Global Scientific Publishing, vol. 18(1), pages 1-17, January.
    22. Daniela Marconi & Marco Marinucci & Giovanna Paladino, 2022. "Digitalization, financial knowledge and financial decisions," Questioni di Economia e Finanza (Occasional Papers) 741, Bank of Italy, Economic Research and International Relations Area.
    23. Kim, Amee & Vanheusden, Frederique J. & Rashid, Mamunur, 2025. "Factors affecting UK household financial risk-taking and their implications for consumption of financial investments," International Review of Economics & Finance, Elsevier, vol. 103(C).
    24. Marc Aubrey & Alexandre J. S. Morin & Claude Fernet & Noémie Carbonneau, 2026. "A Person-Centered Perspective on Financial Well-Being," Journal of Family and Economic Issues, Springer, vol. 47(1), pages 1-22, March.
    25. Harrison, Tina & Ansell, Jake & Boyd, D. Eric, 2026. "Financial information sources and their impact on the financial self-confidence gap between male and female young adult consumers," Journal of Business Research, Elsevier, vol. 205(C).
    26. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).
    27. Duraj, Kamila & Grunow, Daniela & Chaliasos, Michael & Laudenbach, Christine & Siegel, Stephan, 2024. "Rethinking the stock market participation puzzle: A qualitative approach," SAFE Working Paper Series 441, Leibniz Institute for Financial Research SAFE.
    28. Gallo, Giovanni & Sconti, Alessia, 2023. "How much financial literacy matters? A simulation of potential influences on inequality levels," GLO Discussion Paper Series 1266, Global Labor Organization (GLO).
    29. Daniela Marconi & Marco Marinucci & Giovanna Paladino, 2025. "Digital and Financial Skills in Shaping Financial Decisions: Exploring the Gender Gap," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 571-605, July.
    30. Maya Haran Rosen & Orly Sade, 2021. "The Disparate Effect of Nudges on Minority Groups," Bank of Israel Working Papers 2021.21, Bank of Israel.
    31. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    32. Samira Ben Belgacem & Ghousia Khatoon & Hussaini Bala & Abad Alzuman, 2024. "The Role of Financial Technology on the Nexus Between Demographic, Socio-economic, and Psychological Factors, and the Financial Literacy Gap," SAGE Open, , vol. 14(2), pages 21582440241, May.
    33. Tinghög, Gustav & Ahmed, Ali & Barrafrem, Kinga & Lind, Thérèse & Skagerlund, Kenny & Västfjäll, Daniel, 2021. "Gender differences in financial literacy: The role of stereotype threat," Journal of Economic Behavior & Organization, Elsevier, vol. 192(C), pages 405-416.
    34. Sara Lamboglia & Massimiliano Stacchini, 2025. "Financial Literacy, Numeracy, and Schooling: Evidence from Developed Countries," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 547-569, July.
    35. Tran Huynh, 2023. "Financial Literacy and Mortgage Payment Delinquency?," Jena Economics Research Papers 2023-007, Friedrich-Schiller-University Jena.
    36. Gianna Figà-Talamanca & Paola Musile Tanzi & Eleonora D’Urzo, 2022. "Robo-advisor acceptance: Do gender and generation matter?," PLOS ONE, Public Library of Science, vol. 17(6), pages 1-13, June.
    37. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    38. Renu Isidore & C. Joe Arun, 2023. "The Moderating Effect of Financial Literacy on the Relationship Between Decision-Making Tools and Equity Returns in the Indian Secondary Equity Market," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 15(1), pages 185-211.
    39. Andreas Oehler & Matthias Horn & Stefan Wendt, 2024. "Investment in risky assets and participation in the financial market: does financial literacy matter?," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(1), pages 19-45, March.
    40. Chen, S. & Doerr, S. & Frost, J. & Gambacorta, L. & Shin, H.S., 2023. "The fintech gender gap," Journal of Financial Intermediation, Elsevier, vol. 54(C).
    41. Kleimeier, Stefanie & Hoffmann, Arvid O.I. & Broihanne, Marie-Hélène & Plotkina, Daria & Göritz, Anja S., 2023. "Determinants of individuals’ objective and subjective financial fragility during the COVID-19 pandemic," Journal of Banking & Finance, Elsevier, vol. 153(C).
    42. Hsu, Yuan-Lin, 2022. "Financial advice seeking and behavioral bias," Finance Research Letters, Elsevier, vol. 46(PB).
    43. Bello, Piera, 2023. "Gender-based price discrimination in the annuity market: Evidence from Chile," European Economic Review, Elsevier, vol. 151(C).
    44. Ole-Andreas Elvik Næss, 2026. "Owner Support for Green Shareholder Voting and Divestment," Management Science, INFORMS, vol. 72(5), pages 3629-3649, May.
    45. Duraj, Kamila & Grunow, Daniela & Chaliasos, Michael & Laudenbach, Christine & Siegel, Stephan, 2024. "Rethinking the stock market participation puzzle: A qualitative approach," IMFS Working Paper Series 210, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
    46. Paweł Kuśmierczyk & Radosław Kurach & Marek Kośny, 2025. "On methodological problems with measuring knowledge: Are women truly less financially literate than men?," DECISION: Official Journal of the Indian Institute of Management Calcutta, Springer;Indian Institute of Management Calcutta, vol. 52(4), pages 519-544, December.
    47. Coleman, Winnie & Nautz, Dieter, 2023. "Inflation target credibility in times of high inflation," Economics Letters, Elsevier, vol. 222(C).
    48. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    49. Chen, Haiyang & Dai, Ya & Guo, David, 2023. "Financial literacy as a determinant of market participation: New evidence from China using IV-GMM," International Review of Economics & Finance, Elsevier, vol. 84(C), pages 611-623.
    50. Grohmann, Antonia & Hübler, Olaf & Kouwenberg, Roy & Menkhoff, Lukas, 2021. "Financial literacy: Thai middle-class women do not lag behind," Journal of Behavioral and Experimental Finance, Elsevier, vol. 31(C).
    51. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    52. Bertola, Giuseppe & Lo Prete, Anna, 2024. "Financial Literacy and Resilience when Survey Respondents Prefer Guessing to Admitting Ignorance," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202406, University of Turin.
    53. Asgeir Danielsson & Rannveig Sigurdardottir & Svava J. Haraldsdottir, 2023. "Participation in supplementary pension savings in Iceland," Economics wp91, Department of Economics, Central bank of Iceland.
    54. Bucher-Koenen, Tabea & Janssen, Bennet & Knebel, Caroline & Tzamourani, Panagiota, 2023. "Financial literacy, stock market participation, and financial well-being in Germany," ZEW Discussion Papers 23-071, ZEW - Leibniz Centre for European Economic Research.
    55. Sara Lamboglia & Noemi Oggero & Mariacristina Rossi & Massimiliano Stacchini, 2024. "Financial knowledge and career aspirations among the young: a route to entrepreneurship," Questioni di Economia e Finanza (Occasional Papers) 838, Bank of Italy, Economic Research and International Relations Area.
    56. Galariotis, Emilios & Monne, Jerome, 2023. "Basic debt literacy and debt behavior," International Review of Financial Analysis, Elsevier, vol. 88(C).

  6. Lusardi, Annamaria & Ambuehl, Sandro & Bernheim, B. Douglas, 2021. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," CEPR Discussion Papers 15863, Centre for Economic Policy Research.

    Cited by:

    1. Doris Neuberger, 2015. "Financial Inclusion, Regulation, and Education in Germany," ADBI Working Papers 530, Asian Development Bank Institute.
    2. Conrado Cuevas & Dan Bernhardt & Mario Sanclemente, 2023. "Followers of the pied piper of pensioners," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 56(4), pages 1517-1550, November.
    3. Burke, Jeremy & Kieffer, Christine & Mottola, Gary & Perez-Arce, Francisco, 2022. "Can educational interventions reduce susceptibility to financial fraud?," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 250-266.
    4. Jonathan D. Ketcham & Nicolai V. Kuminoff & Christopher A. Powers, 2016. "Estimating the Heterogeneous Welfare Effects of Choice Architecture: An Application to the Medicare Prescription Drug Insurance Market," NBER Working Papers 22732, National Bureau of Economic Research, Inc.
    5. Sutter, Matthias & Weyland, Michael & Untertrifaller, Anna & Froitzheim, Manuel & Schneider, Sebastian O., 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," IZA Discussion Papers 16102, IZA Network @ LISER.
    6. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim & Sebastian O. Schneider, 2020. "Financial literacy, risk and time preferences – Results from a randomized educational intervention," Discussion Paper Series of the Max Planck Institute for Behavioral Economics 2023_03, Max Planck Institute for Behavioral Economics.
    7. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    8. Andrew Caplin & Daniel J. Martin, 2020. "Framing, Information, and Welfare," NBER Working Papers 27265, National Bureau of Economic Research, Inc.
    9. Tim Kaiser & Lukas Menkhoff, 2016. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When?," Discussion Papers of DIW Berlin 1562, DIW Berlin, German Institute for Economic Research.
    10. Ritwik Banerjee & Priyama Majumdar, 2023. "Exponential growth bias in the prediction of COVID‐19 spread and economic expectation," Economica, London School of Economics and Political Science, vol. 90(358), pages 653-689, April.
    11. Dao, Chi Danh & Fenig, Guidon & Sator, Georg & Yoon, Jin Young, 2024. "Assessing Robustness to Varying Clustering Methods and Samples in Ambuehl, Bernheim, and Lusardi (2022): Replication and Sensitivity Analysis," I4R Discussion Paper Series 110, The Institute for Replication (I4R).

  7. Jasmira Wiersma & Rob Alessie & Adriaan Kalwij & Annamaria Lusardi & Maarten van Rooij, 2020. "Skating on thin ice: New evidence on financial fragility," Working Papers 670, DNB.

    Cited by:

    1. Luc Arrondel & Marlene Haupt & María Jesús Mancebón & Gianni Nicolini & Manuel Wälti & Jasmira Wiersma, 2020. "Financial Literacy in Western Europe," PSE Working Papers halshs-03243830, HAL.
    2. G. Silinskas & M. Ranta & T.-A. Wilska, 2021. "Financial Behaviour Under Economic Strain in Different Age Groups: Predictors and Change Across 20 Years," Journal of Consumer Policy, Springer, vol. 44(2), pages 235-257, June.
    3. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    4. David-Jan Jansen, 2025. "What should we say, when we talk about financial stability with the public?," Tinbergen Institute Discussion Papers 25-070/IV, Tinbergen Institute.

  8. Lusardi, Annamaria & Kaiser, Tim & Menkhoff, Lukas & Urban, Carly, 2020. "Financial education affects financial knowledge and downstream behaviors," CEPR Discussion Papers 14741, Centre for Economic Policy Research.

    Cited by:

    1. Elena Falcettoni & Vegard Nygaard, 2025. "Refining the Definition of the Unbanked," Finance and Economics Discussion Series 2025-033, Board of Governors of the Federal Reserve System (U.S.).
    2. Cechovsky, Nora, 2025. "Exploring the didactic principles of vocational teachers in financial education: An interview study," International Journal for Research in Vocational Education and Training (IJRVET), European Research Network in Vocational Education and Training (VETNET), European Educational Research Association, vol. 12(3), pages 360-382.
    3. Paul S. Calem & Chris Henderson & Jenna Wang, 2025. "Who Remains Unbanked in the United States and Why?," Working Papers 25-02, Federal Reserve Bank of Philadelphia.
    4. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    5. Apiag, Claire Anne D. & Aquino, Michael P. & Cadungog, Nicole Shaine B. & Fuentes, Mary Joanne Jurika A. & Gorgonio, Althea Reann F. & Llamo, Xenia Flor D. & Manalo, Ariana Jemar B. & Orillo, Davie Ma, 2025. "Financial Literacy and Insurance Uptake Intention among Rural Area Families," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(4), pages 1636-1661, April.
    6. Niţoi, Mihai & Pochea, Maria-Miruna, 2024. "Trust in the central bank, financial literacy, and personal beliefs," Journal of International Money and Finance, Elsevier, vol. 143(C).
    7. Lara Marie Berger & Anna Kerkhof & Felix Mindl & Johannes Münster, 2023. "Debunking “Fake News” on Social Media: Short-Term and Longer-Term Effects of Fact Checking and Media Literacy Interventions," CESifo Working Paper Series 10576, CESifo.
    8. Alessandro Bucciol & Simone Quercia & Alessia Sconti, 2020. "Promoting Financial Literacy among the Elderly: Consequences on Confidence," Working Papers 12/2020, University of Verona, Department of Economics.
    9. Karlan, Dean & Horn, Samantha & Jamison, Julian C. & Zinman, Jonathan, 2020. "Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults," CEPR Discussion Papers 15392, Centre for Economic Policy Research.
    10. Daniele Chiavenato & Ricardo A. Madeira & Vitor Vaccaro, 2024. "Does Financial Education Impact School Attainment? Experimental Evidence from Brazil," NOVAFRICA Working Paper Series wp2402, Universidade Nova de Lisboa, Nova School of Business and Economics, NOVAFRICA.
    11. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    12. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    13. Gabriele Iannotta & Marta Cannistrà & Tommaso Agasisti, 2024. "It's never too late to be financially literate: Evaluating a financial education intervention for adults in Italy," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 397-431, June.
    14. Burke, Jeremy & Kieffer, Christine & Mottola, Gary & Perez-Arce, Francisco, 2022. "Can educational interventions reduce susceptibility to financial fraud?," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 250-266.
    15. Veronica Frisancho, 2023. "Is School-Based Financial Education Effective? Immediate and Long-Lasting Impacts on High School Students," The Economic Journal, Royal Economic Society, vol. 133(651), pages 1147-1180.
    16. Alan Blinder & Michael Ehrmann & Jakob de Haan & David-Jan Jansen, 2022. "Central Bank Communication with the General Public: Promise or False Hope?," Working Papers 744, DNB.
    17. Jana S. Hamdan & Tim Kaiser & Lukas Menkhoff & Yuanwei Xu, 2024. "Scaling Financial Education Among Micro-Entrepreneurs: A Randomized Saturation Experiment," CESifo Working Paper Series 11431, CESifo.
    18. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    19. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(4), pages 44-55, July.
    20. Frisancho, Veronica & Herrera, Alejandro & Prina, Silvia, 2023. "Can a mobile-app-based behavioral intervention teach financial skills to youth? Experimental evidence from a financial diaries study," Journal of Economic Behavior & Organization, Elsevier, vol. 214(C), pages 595-614.
    21. Maldonado, Joana Elisa & De Witte, Kristof, 2021. "The impact of information provision to parents: Experimental evidence on student outcomes," Journal of Behavioral and Experimental Finance, Elsevier, vol. 31(C).
    22. Calvin Mudzingiri, 2024. "The Effect of Financial Literacy Confidence on Financial Risk Preference Confidence. A Lab Experiment Approach," SAGE Open, , vol. 14(2), pages 21582440241, May.
    23. N. Luotonen & V. Puttonen & E. Rantapuska, 2022. "Ability, Educational Attainment, and Household Financial Distress," Journal of Consumer Policy, Springer, vol. 45(4), pages 655-672, December.
    24. Pratobevera, Giuseppe, 2022. "Homework and finance students’ learning and achievement," Finance Research Letters, Elsevier, vol. 46(PB).
    25. Dr. B. O. Alabi & Prof. M.O.A Akinpelu & Abanum Collins Ifeanyichukwu, 2025. "Do Male and Female Students Benefit Equally From AR-Based Accounting Lessons?," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(3s), pages 5589-5593, July.
    26. Luedtke, Allison Oldham & Urban, Carly, 2021. "Do High Schools Choose Financial Education Policies Based on Their Neighbors?," IZA Discussion Papers 14288, IZA Network @ LISER.
    27. Boyd, Chris M. & Díez-Amigo, Sandro, 2023. "Effectiveness of free financial education provided by for-profit financial institutions: Experimental evidence from rural Peru," Economics of Education Review, Elsevier, vol. 97(C).
    28. Nocito, Samuel & Venturini, Alessandra, 2024. "Inter-Institutional Cooperation and Migrants' Financial Education: An Italian Case Study," IZA Discussion Papers 17214, IZA Network @ LISER.
    29. Mandisa Mncwabe & Shame Mugova, 2024. "Examining the relationship between entrepreneurial education and entrepreneurial intentions at universities of technology in KwaZulu-Natal, South Africa," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 13(7), pages 508-518, October.
    30. Stephen Day & Evelyn Nunes & Bruno Sultanum, 2022. "Is It Still an Econ Course? The Effect of a Standardized Personal Finance Test on the Learning of Economics," Working Paper 22-03, Federal Reserve Bank of Richmond.
    31. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    32. Ciril Bosch-Rosa & Frank Heinemann & Baptiste Massenot & Thomas Meissner, 2026. "Different Consumption Responses to Equivalent Changes in the Real Interest Rate," Rationality and Competition Discussion Paper Series 578, CRC TRR 190 Rationality and Competition.
    33. Stanislav Treger, 2022. "Let’s Talk About it: Discussing Retirement with Multiple Sources is Associated with Retirement Preparation in Young Adults," Journal of Family and Economic Issues, Springer, vol. 43(3), pages 621-636, September.
    34. Amagir, Aisa & van den Brink, Henriëtte Maassen & Groot, Wim & Wilschut, Arie, 2022. "SaveWise: The impact of a real-life financial education program for ninth grade students in the Netherlands," Journal of Behavioral and Experimental Finance, Elsevier, vol. 33(C).
    35. Bucci, Alberto & Calcagno, Riccardo & Marsiglio, Simone & Sequeira, Tiago Neves, 2025. "Financial literacy, human capital and long-run economic growth," The North American Journal of Economics and Finance, Elsevier, vol. 80(C).
    36. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    37. Corsini, Lorenzo & Giannelli, Gianna Claudia, 2021. "Economics education and financial literacy acquisition: Evidence from a field experiment," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    38. Isabel Gameiro & Rita Duarte & Ildeberta Abreu, 2024. "Reaching out to the general public: a challenging journey for central banks," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    39. Billari, Francesco C. & Favero, Carlo A. & Saita, Francesco, 2023. "Online financial and demographic education for workers: Experimental evidence from an Italian Pension Fund," Journal of Banking & Finance, Elsevier, vol. 151(C).
    40. Katharina Hartinger & Erik Sarrazin & David J. Streich, 2025. "Banking for Boomers – A Field Experiment on Technology Adoption in Financial Services," Working Papers 2505, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 27 Mar 2025.
    41. Tim Kaiser & Lukas Menkhoff, 2022. "Active Learning Improves Financial Education: Experimental Evidence from Uganda," CESifo Working Paper Series 9661, CESifo.
    42. Lisa Straub & Christian Zeiß & Justus Pehl & Maximilian Greiner & Axel Winkelmann & Ulrike Lechner, 2026. "When text is not enough: Data-driven personas to explore crypto education affordances through learning platform analysis and survey insights," Electronic Markets, Springer;IIM University of St. Gallen, vol. 36(1), pages 1-26, December.
    43. Guo, Dong & Li, Lin & Pang, Guoguang, 2024. "How does digital inclusive finance affect county's common prosperity: Theoretical and empirical evidence from China," Economic Analysis and Policy, Elsevier, vol. 82(C), pages 340-358.
    44. Rodriguez-Raga, Santiago & Martinez-Camelo, Natalia, 2022. "Game, guide or website for financial education improvement: Evidence from an experiment in Colombian schools," Journal of Behavioral and Experimental Finance, Elsevier, vol. 33(C).
    45. Harrison, Jennifer L. & Sinnewe, Elisabeth & Westermann, Steffen & Nicholson, Gavin, 2026. "Unpacking financial (dis)engagement of young adults transitioning into the workforce: An investigation of financial habit clusters," Pacific-Basin Finance Journal, Elsevier, vol. 96(C).
    46. Amitabh Chandra & Courtney Coile & Corina Mommaerts, 2020. "What Can Economics Say About Alzheimer's Disease?," NBER Working Papers 27760, National Bureau of Economic Research, Inc.
    47. Stephen Day & Evelyn Nunes & Bruno Sultanum, 2023. "Is It Still an Economics Course? The Effect of a Standardized Personal Finance Test on the Learning of Economics," The American Economist, Sage Publications, vol. 68(2), pages 277-294, October.
    48. Alexey Upravitelev, 2024. "Fintech Revolution's Impact on Financial Behavior and Education," Journal of Behavioral Economics for Policy, Society for the Advancement of Behavioral Economics (SABE), vol. 8(S2), pages 29-33, December.
    49. Muhammad Hafiz Hassan & Muhamad Husni Hasbulah & Muhammad Haziq Hassan, 2025. "Mapping the Research Landscape of Financial Literacy Education: A Bibliometric Analysis," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 8190-8205, September.
    50. Karina Sachpazidu & Katarzyna Niewinska, 2025. "Individual Investors’ Expectations vs. Brokerage Firms’ Perceptions: A Consistency Analysis in the Context of Client Relationship Management," European Research Studies Journal, European Research Studies Journal, vol. 0(3), pages 992-1015.
    51. Alessio D'Ignazio & Ludovica Galotto & Cristiana Rampazzi, 2024. "Tackling the gender gap in financial literacy. Evidence from a financial education program in the workplace," Questioni di Economia e Finanza (Occasional Papers) 855, Bank of Italy, Economic Research and International Relations Area.
    52. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    53. Fong, Joelle H. & Ba, Yuhao & Chen, Zhe, 2025. "Who supports carbon pricing? Older adults’ financial literacy and attitudes toward carbon taxation," The Journal of the Economics of Ageing, Elsevier, vol. 32(C).
    54. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    55. Grimes, Paul W. & Lopus, Jane S. & Amidjono, Dwi Sulistyorini, 2022. "Financial life-skills training and labor market outcomes in Indonesia," International Review of Economics Education, Elsevier, vol. 41(C).
    56. Farizka Shafa Nabila & Mahendra Fakhri & Mahir Pradana & Budi Rustandi Kartawinata & Anita Silvianita, 2023. "Measuring financial satisfaction of Indonesian young adults: a SEM-PLS analysis," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-13, December.
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    2. Elisabeth Beckmann & Christa Hainz & Sarah Reiter, 2022. "Third-Party Loan Guarantees: Measuring Literacy and its Effect on Financial Decisions (Elisabeth Beckmann, Christa Hainz, Sarah Reiter)," Working Papers 237, Oesterreichische Nationalbank (Austrian Central Bank).
    3. DiGiuseppe, Matthew & Del Ponte, Alessandro, 2023. "Bottom-Up Sovereign Debt Preferences," SocArXiv wxr67, Center for Open Science.
    4. Benyan Tan & Yingzhu Guo & Yan Wu, 2024. "The influence and mechanism of female-headed households on household debt risk: empirical evidence from China," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-15, December.
    5. Cevat Giray Aksoy & Mathias Dolls & Justyna Klejdysz & Andreas Peichl & Lisa Windsteiger, 2025. "Speaking of Debt: Framing, Guilt, and Economic Choices," CESifo Working Paper Series 12060, CESifo.
    6. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    7. Schnorpfeil, Philip & Weber, Michael & Hackethal, Andreas, 2024. "Households' Response to the Wealth Effects of Inflation," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302382, Verein für Socialpolitik / German Economic Association.
    8. Cantarella, Michele & Kavonius, Ilja Kristian, 2022. "Job polarisation and household borrowing," Working Paper Series 2683, European Central Bank.
    9. Mikael Paaso & Vesa Pursiainen & Sami Torstila, 2026. "Entrepreneur Debt Aversion and Financing Decisions: Evidence from COVID-19 Support Programs," Management Science, INFORMS, vol. 72(5), pages 4474-4498, May.
    10. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    11. Andrzej Cwynar & Wiktor Cwynar & Monika Baryła-Matejczuk & Moises Betancort, 2019. "Sustainable Debt Behaviour and Well-Being of Young Adults: The Role of Parental Financial Socialisation Process," Sustainability, MDPI, vol. 11(24), pages 1-26, December.
    12. Weng, Hsu-Chi & Hermansson, Cecilia, 2024. "Behavioral intention, personality and consumer credit use," Working Paper Series 24/8, Royal Institute of Technology, Department of Real Estate and Construction Management & Banking and Finance.
    13. J. Cloutier & A. Roy, 2020. "Consumer Credit Use of Undergraduate, Graduate and Postgraduate Students: An Application of the Theory of Planned Behaviour," Journal of Consumer Policy, Springer, vol. 43(3), pages 565-592, September.
    14. Mark S. Manger & J. Scott Matthews, 2021. "Knowing When to Splurge: Precautionary Saving and Chinese-Canadians," Papers 2108.00519, arXiv.org.
    15. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2024. "Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4203-4238, March.
    16. Anna M. Helka & Tomasz Grzyb, 2021. "Social Norms Concerning Financial Liability for Various Indebtedness Experiences and Borrowing Plans: Evidence from Poland," European Research Studies Journal, European Research Studies Journal, vol. 0(3 - Part ), pages 22-35.
    17. Manger, Mark S. & Matthews, J. Scott, 2021. "Knowing when to splurge: Precautionary saving and Chinese-Canadians," Journal of Asian Economics, Elsevier, vol. 76(C).
    18. Jean-Charles Bricongne & Leonor Coutinho & Alessandro Turrini & Stefan Zeugner, 2020. "Is Private Debt Excessive?," Open Economies Review, Springer, vol. 31(2), pages 471-512, April.
    19. Jonathan Spiteri & Philip Brockdorff, 2023. "Household Wealth and Inheritance Transfers: Evidence from the Euro Area," Journal of Family and Economic Issues, Springer, vol. 44(3), pages 619-633, September.
    20. Yunhui Wang & Yihua Chen, 2026. "Digital Financial Inclusion and Rural Household Debt Risks," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 31(2), pages 2012-2026, April.
    21. Gallo, Giovanni & Sconti, Alessia, 2023. "How much financial literacy matters? A simulation of potential influences on inequality levels," GLO Discussion Paper Series 1266, Global Labor Organization (GLO).
    22. Bobae Hong & Kichang Kim & Yuxin Su, 2024. "The Intergenerational Transmission of Risk Preferences: Evidence from Field Experiments in China and Korea," Journal of Family and Economic Issues, Springer, vol. 45(1), pages 151-173, March.
    23. Ma. Jesusa Corazon M Lambert & Zuroni Md Jusoh & Husniyah Abd Rahim & Norzalina Zainudin, 2023. "Factors Affecting Financial Well-being of Millennials: A Systematic Review," Information Management and Business Review, AMH International, vol. 15(2), pages 98-108.
    24. Wieslawa Gryncewicz & Monika Sitarska-Buba, 2021. "Leading Research by Institutions and Authors: A Modern Research Analysis," European Research Studies Journal, European Research Studies Journal, vol. 0(3 - Part ), pages 1012-1026.
    25. Kamilė Taujanskaitė & Eugenijus Milčius, 2022. "Accelerated Growth of Peer-to-Peer Lending and Its Impact on the Consumer Credit Market: Evidence from Lithuania," Economies, MDPI, vol. 10(9), pages 1-17, September.
    26. Rendall, Stella & Brooks, Chris & Hillenbrand, Carola, 2021. "The impacts of emotions and personality on borrowers’ abilities to manage their debts," International Review of Financial Analysis, Elsevier, vol. 74(C).
    27. Lusardi, Annamaria & Mitchell, Olivia S. & Oggero, Noemi, 2019. "Debt close to retirement and its implications for retirement well-being," CFS Working Paper Series 631, Center for Financial Studies (CFS).
    28. Bogatzki, Tamara & Stadelmann, David & Torgler, Benno, 2025. "Guiltily indebted? How a word is linked to individual borrowing," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 32(9), pages 1269-1272.
    29. Alfonso Arellano & Noelia Camara & Diana Mejia, 2019. "Vulnerabilidad financiera y comportamiento del consumidor: el papel de la salud financiera [Disentangling Vulnerability through Consumer Behavior: The Role of Financial Health]," Working Papers 19/11, BBVA Bank, Economic Research Department.
    30. Deng, Xin & Yu, Mingzhe, 2021. "Does the marginal child increase household debt? – Evidence from the new fertility policy in China," International Review of Financial Analysis, Elsevier, vol. 77(C).
    31. Achou, Bertrand, 2021. "Housing liquidity and long-term care insurance demand: A quantitative evaluation," Journal of Public Economics, Elsevier, vol. 194(C).
    32. Meyll, Tobias & Pauls, Thomas, 2019. "The gender gap in over-indebtedness," Finance Research Letters, Elsevier, vol. 31(C).
    33. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    34. Cwynar Andrzej, 2020. "Financial Literacy, Behaviour and Well-Being of Millennials in Poland Compared to Previous Generations: The Insights from Three Large-Scale Surveys," Review of Economic Perspectives, Paradigm, vol. 20(3), pages 289-335, September.
    35. Grodecka-Messi, Anna & Li, Jieying & Zhang, Xin, 2025. "Riding the Housing Wave: Home Equity Withdrawal and Consumer Debt Composition," Working Paper Series 452, Sveriges Riksbank (Central Bank of Sweden).

  10. Lusardi, Annamaria & ,, 2020. "Stereotypes in Financial Literacy: Evidence from PISA," CEPR Discussion Papers 15429, Centre for Economic Policy Research.

    Cited by:

    1. Lanciano, Edoardo & Previati, Daniele & Ricci, Ornella & Stentella Lopes, F. Saverio, 2024. "Gender differences and measurement error in financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    2. Flavia Coda Moscarola & Daniela Boca & Giovanna Paladino, 2025. "Intergenerational transmission of time preferences and saving attitude: the role of information sharing," Review of Economics of the Household, Springer, vol. 23(3), pages 1003-1045, September.
    3. Guan, Fuquan, 2025. "The impact of financial literacy on household property income: An empirical analysis based on CHFS data," Finance Research Letters, Elsevier, vol. 81(C).
    4. Delis, Manthos & Iosifidi, Maria & Pnevmatikos, Lampros & Tsiritakis, Emmanuel, 2023. "Credit negotiations," MPRA Paper 123003, University Library of Munich, Germany, revised 12 Dec 2024.
    5. Girardone, Claudia & Kokas, Sotirios & Wood, Geoffrey, 2021. "Diversity and women in finance: Challenges and future perspectives," Journal of Corporate Finance, Elsevier, vol. 71(C).
    6. Trang M. T. Phung & Lam D. Nguyen & Tho H. Nguyen & Loan N. T. Pham, 2024. "Technology Readiness between Public and Private College Students: An Examination in Vietnam," Public Organization Review, Springer, vol. 24(2), pages 631-656, June.
    7. Panos, Georgios A. & Wright, Robert E., 2025. "Financial teaching and financial understanding amongst young people," Economics Letters, Elsevier, vol. 251(C).
    8. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    9. Sara Lamboglia & Fabio Travaglino, 2022. "Statistical sources for assessing financial literacy," Questioni di Economia e Finanza (Occasional Papers) 725, Bank of Italy, Economic Research and International Relations Area.
    10. Kexin Meng & Jing Jian Xiao, 2026. "Household Financial Vulnerability Before and During the COVID-19 Pandemic: An Exploration Through Machine Learning Approach," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 181(1), pages 1-21, January.
    11. Lee, I. & Lléo-Bono, A. & Rauh, C. & Tipoe, E., 2025. "The Causal Effects of Confidence Awareness on Financial Literacy and Behaviour," Cambridge Working Papers in Economics 2567, Faculty of Economics, University of Cambridge.
    12. Rajdeep Kumar Raut & Rohit Kumar, 2023. "Do Values Predict Socially Responsible Investment Decisions? Measuring the Moderating Effects of Gender," Journal of Emerging Market Finance, Institute for Financial Management and Research, vol. 22(2), pages 189-214, June.
    13. Miguel Angel Peñarreta-Quezada & Eulalia-Elizabeth Salas-Tenesaca & José Álvarez-García & María de la Cruz del Río-Rama, 2024. "Variables sociodemográficas y niveles de educación financiera en jóvenes universitarios de Ecuador," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-15, Enero - M.
    14. Hospido, Laura & Iriberri, Nagore & Machelett, Margarita, 2023. "Gender Gaps in Financial Literacy: A Multi-Arm RCT to Break the Response Bias in Surveys," IZA Discussion Papers 16628, IZA Network @ LISER.
    15. Baeckström, Ylva & Tosun, Onur Kemal & Riefler, Raul, 2024. "Wealth as a moderating effect on gender differences in portfolio holdings," Global Finance Journal, Elsevier, vol. 60(C).
    16. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    17. Ales Marsal & Patryk Perkowski, 2025. "A Task-Based Approach to Generative AI: Evidence from a Field Experiment in Central Banking," Working and Discussion Papers WP 13/2025, Research Department, National Bank of Slovakia.
    18. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    19. Nicoleta Andreea Neacșu & Carmen Elena Anton & Camelia Mirela Baba & Anca Popescu, 2023. "Financial and Banking Education of Consumers in the Context of Sustainable Development Society," Sustainability, MDPI, vol. 15(13), pages 1-22, June.
    20. Quoc N. Tran & Trang M. T. Phung & Nhut H. Nguyen & Tho H. Nguyen, 2024. "Financial Knowledge Matters Entrepreneurial Decisions: A Survey in the COVID-19 Pandemic," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 2274-2297, March.
    21. Manuel Salas-Velasco, 2025. "Non-experimental impact estimates of school financial education exposure on financial literacy outcomes," Economia Politica: Journal of Analytical and Institutional Economics, Springer;Fondazione Edison, vol. 42(2), pages 379-403, July.
    22. Patrick Behr & Jorge Jacob, 2024. "Neighbourhood social capital, account usage and savings behaviour in low‐income countries: Field experimental evidence from Senegal," Journal of International Development, John Wiley & Sons, Ltd., vol. 36(1), pages 84-108, January.
    23. Cohen, Laurence & Bellavitis, Cristiano & Wirtz, Peter, 2025. "Explaining the involvement and investment of women in business angel groups: The impact of organizational context and investment experience," Journal of Corporate Finance, Elsevier, vol. 91(C).
    24. Andrej Cupák & Klára Kizáková & Denys Orlov, 2025. "Exploring the Gender Gap in Financial Literacy: New Survey Evidence from Slovakia," Working and Discussion Papers WP 12/2025, Research Department, National Bank of Slovakia.
    25. Abhishek Sharma & Chandana Hewege & Chamila Perera, 2022. "Violations of CSR Practices in the Australian Financial Industry: How Is the Decision-Making Power of Australian Women Implicated?," Sustainability, MDPI, vol. 15(1), pages 1-21, December.
    26. Flavia Coda Moscarola & Daniela Del Boca & Giovanna Paladino, 2024. "Intergenerational Transmission of Preferences and Parental Behaviours," CESifo Working Paper Series 10902, CESifo.
    27. Agarwal, Sumit & Sing, Tien Foo & Zhang, Xiaoyu, 2024. "Intergenerational bankruptcy risks: Learning from parents’ mistakes," Journal of Financial Intermediation, Elsevier, vol. 59(C).
    28. Julia Peter & Jana Schuetz, 2026. "Stereotypes, Financial Literacy, and Confidence: An Information Provision Experiment," CESifo Working Paper Series 12384, CESifo.
    29. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    30. Samira Ben Belgacem & Ghousia Khatoon & Hussaini Bala & Abad Alzuman, 2024. "The Role of Financial Technology on the Nexus Between Demographic, Socio-economic, and Psychological Factors, and the Financial Literacy Gap," SAGE Open, , vol. 14(2), pages 21582440241, May.
    31. Steve Agnew & Valerie A. Sotardi, 2024. "The Impact of Pocket Money and Term Time Employment on the Financial Confidence of Adolescents in New Zealand," Working Papers in Economics 24/10, University of Canterbury, Department of Economics and Finance.
    32. Kristjan Pulk & Leonore Riitsalu, 2024. "Youth in individualistic countries have higher financial literacy: Evidence from PISA," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 432-450, June.
    33. Alison Preston & Robert E. Wright, 2024. "When Does the Gender Gap in Financial Literacy Begin?," The Economic Record, The Economic Society of Australia, vol. 100(328), pages 44-73, March.
    34. Aschenwald, Marco & Holzknecht, Armando & Kirchler, Michael & Razen, Michael, 2024. "Covariates of behavioral consistency among adolescents," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    35. Sigurdur Gudjonsson & Inga Minelgaite & Kari Kristinsson & Sigrún Pálsdóttir, 2022. "Financial Literacy and Gender Differences: Women Choose People While Men Choose Things?," Administrative Sciences, MDPI, vol. 12(4), pages 1-9, November.
    36. Bello, Piera & Cristini, Annalisa & Manzoni, Elena & Origo, Federica & Puca, Marcello & Sturaro, Caterina, 2025. "Women’s empowerment through financial literacy in a developed country," Journal of Behavioral and Experimental Finance, Elsevier, vol. 48(C).
    37. Tzora, Vasiliki A. & Philippas, Nikolaos D. & Panos, Georgios A., 2023. "The financial capability of 15-year-olds in Greece," Economics Letters, Elsevier, vol. 225(C).
    38. Vitor Leone & Piers Thompson, 2024. "Financial literacy and advice perceptions among UK higher education students: an ethnicity tale?," Review of Economics of the Household, Springer, vol. 22(2), pages 709-781, June.
    39. Karla María Orozco-Orozco & Osvaldo García-Mata & Eduardo Arango-Herrera, 2024. "Financial Literacy and Financial Well-Being Among Businesspersons from Victoria, Tamaulipas, Mexico," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-25, Enero - M.
    40. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    41. Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Investor preferences, financial literacy and intermediary choice towards sustainability," Research in International Business and Finance, Elsevier, vol. 66(C).
    42. Trang M. T. Phung & Quoc N. Tran & Phuong Nguyen‐Hoang & Nhut H. Nguyen & Tho H. Nguyen, 2023. "The role of learning motivation on financial knowledge among Vietnamese college students," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 529-563, January.
    43. Zhang, Qian & Guo, Lian & Chen, Diqiang & Lei, Shini, 2025. "Does mobile access to the internet increase household financial literacy?," International Review of Financial Analysis, Elsevier, vol. 98(C).
    44. Andrzej Cwynar & Kamil Filipek & Paweł Nowak & Robert Porzak & Dorota Weziak-Bialowolska, 2025. "The Financial Language of Gender: A Consumer Study Using Machine Learning, Statistical, and Linguistic Analyses," SAGE Open, , vol. 15(2), pages 21582440251, June.
    45. Cziriak, Marius & Bucher-Koenen, Tabea & Alessie, Rob, 2024. "Beyond knowledge: Confidence and the Gender Gap in Financial Literacy," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302421, Verein für Socialpolitik / German Economic Association.
    46. Cheung, Yan-Leung & Mak, Billy S.C. & Shu, Hao & Tan, Weiqiang, 2023. "Impact of financial investment on confidence in a happy future retirement," International Review of Financial Analysis, Elsevier, vol. 89(C).
    47. Peter Kwame Kuutol & Josue Mbonigaba & Rufaro Garidzirai, 2024. "Financial Literacy and Financial Well-Being in Rural Households in Ghana: The Role of Financial Information Consumption," Sustainability, MDPI, vol. 16(19), pages 1-24, September.
    48. Vasiliki A. Tzora & Nikolaos D. Philippas & Georgios A. Panos, 2022. "The Financial Capability of the Youth in Greece," Working Papers 2022_16, Business School - Economics, University of Glasgow.
    49. Hugo Reis & Lara Wemans, 2022. "Financial literacy of 15 years-old in Portugal: Evidence from PISA 2018," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    50. Laura Hospido & Sara Izquierdo & Margarita Machelett, 2021. "The gender gap in financial competences (556 KB)," Economic Bulletin, Banco de España, issue 1/2021.
    51. Grohmann, Antonia & Hübler, Olaf & Kouwenberg, Roy & Menkhoff, Lukas, 2021. "Financial literacy: Thai middle-class women do not lag behind," Journal of Behavioral and Experimental Finance, Elsevier, vol. 31(C).
    52. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    53. Leng, Chunyu & Ben, Fang & Han, Cheng, 2025. "Financial literacy and household risky financial asset investment: A family structure perspective based on CHFS data," Finance Research Letters, Elsevier, vol. 80(C).
    54. Bertola, Giuseppe & Lo Prete, Anna, 2024. "Financial Literacy and Resilience when Survey Respondents Prefer Guessing to Admitting Ignorance," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202406, University of Turin.
    55. Lucy Haag & Luis Oberrauch & Taiga Brahm, 2026. "The Gender Gap in Financial Literacy—The Role of Response Behavior," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.
    56. Li, Qinghai & Li, Hao & Li, Qian, 2025. "Can financial consumer protection promote residents' stock market participation? An investigation based on eastern China residents survey," Pacific-Basin Finance Journal, Elsevier, vol. 93(C).
    57. Vani Tanggamani & Azlina Rahim & Hamidah Bani & Nor Ashikin Alias, 2024. "Elevating Financial Literacy Among Women Entrepreneurs: Cognitive Approach of Strong Financial Knowledge, Financial Skills and Financial Responsibility," Information Management and Business Review, AMH International, vol. 16(1), pages 279-286.
    58. Haag, Lucy & Oberrauch, Luis & Brahm, Taiga & Biewen, Martin, 2025. "Understanding the Gender Gap in Economic Literacy – Evidence from Germany," EconStor Preprints 308430, ZBW - Leibniz Information Centre for Economics.
    59. Horia Ioan Tulai & Codruța Maria Făt & Daniela Georgeta, 2021. "The current framework of financial education in Romania in the context of the informational economy," Journal of Financial Studies, Institute of Financial Studies, vol. 10(6), pages 33-47, May.
    60. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).

  11. Lusardi, Annamaria & Mitchell, Olivia S & Oggero, Noemi, 2020. "Understanding Debt in the Older Population," CEPR Discussion Papers 15568, Centre for Economic Policy Research.

    Cited by:

    1. Alina K Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike I Steins, 2025. "The Distribution of Household Debt in the United States, 1950-2022," Post-Print hal-05448445, HAL.
    2. Bartscher, Alina K. & Kuhn, Moritz & Schularick, Moritz & Steins, Ulrike I., 2025. "The distribution of household debt in the United States, 1950-2022," Open Access Publications from Kiel Institute for the World Economy 324154, Kiel Institute for the World Economy.
    3. Zhong, Mingli, 2025. "Financial vulnerability in later life: Racial and ethnic disparities and debt delinquency among older adults," Economics Letters, Elsevier, vol. 252(C).
    4. Mudrazija, Stipica & Butrica, Barbara A., 2023. "How does debt shape health outcomes for older Americans?," Social Science & Medicine, Elsevier, vol. 329(C).
    5. Boyle, Patricia & Mitchell, Olivia S. & Mottola, Gary R. & Yu, Lei, 2025. "Declining financial and health literacy among older men and women," The Journal of the Economics of Ageing, Elsevier, vol. 30(C).
    6. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    7. Alina Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike Steins, 2025. "The Distribution of Household Debt in the United States, 1950-2022," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 57, July.
    8. Kristiano Raccanello & Ramos Montalvo Vargas, 2025. "Older Adults' Financial Literacy Spatial Analysis in Tlaxcala," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 20(1), pages 1-26, Enero - M.

  12. Lusardi, Annamaria & Angrisani, Marco & Burke, Jeremy & Mottola, Gary, 2020. "The Stability and Predictive Power of Financial Literacy: Evidence from Longitudinal Data," CEPR Discussion Papers 15467, Centre for Economic Policy Research.

    Cited by:

    1. Piera Bello & Marius Cziriak & Mario Padula, 2025. "Fee-ling Stuck? Provider Choice in a Mandatory Defined Contribution Pension System," Working Papers 2025: 26, Department of Economics, University of Venice "Ca' Foscari".
    2. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    3. Swensen, Isaac D. & Urban, Carly, 2023. "Literature Review on the Effect of Physical and Mental Health on Financial Well-Being," IZA Policy Papers 198, Institute of Labor Economics (IZA).
    4. Botha, Ferdi & de New, John P., 2026. "Financial literacy is falling in Australia, except that it’s not," Economics Letters, Elsevier, vol. 259(C).
    5. Carolyn St Aubyn, 2022. "Consumer choices with wealth preferences and separation of consumption and payment," BCAM Working Papers 2201, Birkbeck Centre for Applied Macroeconomics.
    6. Kai Ruggeri & Amma Panin & Milica Vdovic & Bojana Većkalov & Nazeer Abdul-Salaam & Jascha Achterberg & Carla Akil & Jolly Amatya & Kanchan Amatya & Thomas Lind Andersen & Sibele D Aquino & Arjoon Arun, 2022. "The globalizability of temporal discounting," Post-Print halshs-03903193, HAL.
    7. Blanco, Luisa R. & Hernandez, Isaias & Thames, April D. & Chen, Lucia & Serido, Joyce, 2023. "Mind your money: A community-based digital intervention for improving financial capability among Hispanics," Journal of Economic Behavior & Organization, Elsevier, vol. 212(C), pages 629-643.
    8. Brice Corgnet & Yao Thibaut Kpegli & Jacopo Magnani, 2025. "Stocks as Lotteries? An Experimental Test of Expected Utility vs Behavioral Models," Working Papers 2503, Groupe d'Analyse et de Théorie Economique Lyon St-Etienne (GATE Lyon St-Etienne), Université de Lyon.

  13. Maria Demertzis & Annamaria Lusardi & Marta Domínguez-Jiménez, 2020. "The financial fragility of European households in the time of COVID-19," Bruegel Policy Contributions 37489, Bruegel.

    Cited by:

    1. Giorgio Calcagnini & Federico Favaretto & Germana Giombini & Fabio Tramontana, 2025. "Household Financial Fragility, Debt and Income in a Dynamic Model," Computational Economics, Springer;Society for Computational Economics, vol. 65(2), pages 963-988, February.
    2. Bucher-Koenen, Tabea & Fessler, Pirmin & Silgoner, Maria Antoinette, 2023. "Households' financial resilience, risk perceptions, and financial literacy: Evidence from a survey experiment," ZEW Discussion Papers 23-074, ZEW - Leibniz Centre for European Economic Research.
    3. Chen, Hung-Ling & Hsu, Yuan-Lin & Lu, Chi-Yang, 2024. "Revisiting financial fragility during the COVID-19 pandemic: Evidence from Taiwan," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    4. Carin van der Cruijsen & Jakob de Haan, 2025. "Payment literacy pays off: higher trust and financial inclusion," Working Papers 831, DNB.
    5. Sarah Kuypers & Ive Marx & Brian Nolan & Juan C. Palomino, 2021. "Lockdown, Earnings Losses and Household Asset Buffers in Europe," Working Papers 2103, Herman Deleeck Centre for Social Policy, University of Antwerp.
    6. Mohd Daud, Siti Nurazira & Osman, Zaiton & Samsudin, Shamzaeffa & Phang, Ing Grace, 2024. "Adapting to the gig economy: Determinants of financial resilience among “Giggers”," Economic Analysis and Policy, Elsevier, vol. 81(C), pages 756-771.
    7. Susanna Levantesi & Giulia Zacchia, 2021. "Machine Learning and Financial Literacy: An Exploration of Factors Influencing Financial Knowledge in Italy," JRFM, MDPI, vol. 14(3), pages 1-21, March.
    8. Marianna Brunetti & Elena Giarda & Costanza Torricelli, 2025. "Financial Fragility Across Europe: Is it the Household or the Country that Matters?," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 176(2), pages 799-850, January.
    9. Tabea Bucher-Koenen & Pirmin Fessler & Maria Antoinette Silgoner, 2024. "Households’ risk perceptions, overplacement, and financial literacy (Tabea Bucher-Koenen, Pirmin Fessler, Maria Silgoner)," Working Papers 259, Oesterreichische Nationalbank (Austrian Central Bank).

  14. Lusardi, Annamaria & Clark, Robert & Mitchell, Olivia S, 2020. "Financial Fragility during the COVID-19 Pandemic," CEPR Discussion Papers 15532, Centre for Economic Policy Research.

    Cited by:

    1. Cynthia L. Harter & John F. R. Harter, 2022. "The Link Between Adverse Childhood Experiences and Financial Security in Adulthood," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 832-842, December.
    2. Lanciano, Edoardo & Previati, Daniele & Ricci, Ornella & Stentella Lopes, F. Saverio, 2024. "Gender differences and measurement error in financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    3. Wang-Ly, Nathan & Newell, Ben R., 2022. "Allowing early access to retirement savings: Lessons from Australia," Economic Analysis and Policy, Elsevier, vol. 75(C), pages 716-733.
    4. Bucher-Koenen, Tabea & Fessler, Pirmin & Silgoner, Maria Antoinette, 2023. "Households' financial resilience, risk perceptions, and financial literacy: Evidence from a survey experiment," ZEW Discussion Papers 23-074, ZEW - Leibniz Centre for European Economic Research.
    5. Andrej Cupak & Martin Cesnak & Jan Klacso & Martin Suster, 2021. "Fates of indebted households during the Corona crisis: Survey results from Slovakia," Working and Discussion Papers OP 2/2021, Research Department, National Bank of Slovakia.
    6. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    7. Niculaescu, Corina E. & Sangiorgi, Ivan & Bell, Adrian R., 2023. "Does personal experience with COVID-19 impact investment decisions? Evidence from a survey of US retail investors," International Review of Financial Analysis, Elsevier, vol. 88(C).
    8. Chen, Hung-Ling & Hsu, Yuan-Lin & Lu, Chi-Yang, 2024. "Revisiting financial fragility during the COVID-19 pandemic: Evidence from Taiwan," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    9. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    10. Gopi Shah Goda & Emilie Jackson & Lauren Hersch Nicholas & Sarah See Stith, 2023. "The impact of Covid-19 on older workers’ employment and Social Security spillovers," Journal of Population Economics, Springer;European Society for Population Economics, vol. 36(2), pages 813-846, April.
    11. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    12. García, J. & Gómez, Y. & Vila, J., 2022. "Financial overconfidence, promotion of financial advice, and aging," Journal of Business Research, Elsevier, vol. 145(C), pages 325-333.
    13. Dushku Elona, 2026. "Are Albanian Households Financially Fragile?," South East European Journal of Economics and Business, Paradigm, vol. 21(1), pages 61-74.
    14. Belmonte, A & Pickard, H, 2022. "Safe at Last? LATE Effects of a Mass Immunization Campaign on Households' Economic Insecurity," CAGE Online Working Paper Series 604, Competitive Advantage in the Global Economy (CAGE).
    15. Ruiz, Juan Rafael, 2026. "Who gets scammed? The roles of financial literacy, digital financial security, and overconfidence in Europe," International Review of Economics & Finance, Elsevier, vol. 106(C).
    16. Gallo, Giovanni & Sconti, Alessia, 2023. "How much financial literacy matters? A simulation of potential influences on inequality levels," GLO Discussion Paper Series 1266, Global Labor Organization (GLO).
    17. David Aristei & Manuela Gallo & Pierluigi Murro, 2025. "Financial Knowledge and Financial Fragility: Longitudinal Evidence from Italy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 667-702, July.
    18. Sergeyev, Dmitriy & Lian, Chen & Gorodnichenko, Yuriy, 2023. "The Economics of Financial Stress," IZA Discussion Papers 16318, IZA Network @ LISER.
    19. Acevedo, Juan & Diaz-Molina, Iván & Johan, Sofia & Valenzuela, Patricio, 2023. "Business advisory services and innovation during crises: Evidence from small businesses in Chile," Journal of Business Research, Elsevier, vol. 168(C).
    20. Bello, Piera & Cristini, Annalisa & Manzoni, Elena & Origo, Federica & Puca, Marcello & Sturaro, Caterina, 2025. "Women’s empowerment through financial literacy in a developed country," Journal of Behavioral and Experimental Finance, Elsevier, vol. 48(C).
    21. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    22. Zhang, Lu & Zuo, You & Yin, Zhichao, 2026. "Helping hands during tough times: Social networking and household financial vulnerability," Research in International Business and Finance, Elsevier, vol. 83(C).
    23. Elena Moreno-García & Sergio Hernández-Mejía & Héctor Francisco Salazar Núñez, 2024. "Financial Literacy and Financial Fragility in Mexico," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-21, Enero - M.
    24. Kleimeier, Stefanie & Hoffmann, Arvid O.I. & Broihanne, Marie-Hélène & Plotkina, Daria & Göritz, Anja S., 2023. "Determinants of individuals’ objective and subjective financial fragility during the COVID-19 pandemic," Journal of Banking & Finance, Elsevier, vol. 153(C).
    25. Elisa Bocchialini & Beatrice Ronchini & Francesca Torti, 2023. "Predicting Students’ Financial Knowledge from Attitude towards Finance," International Journal of Business and Management, Canadian Center of Science and Education, vol. 17(6), pages 1-13, February.
    26. Bacchiocchi, Andrea & Bischi, Gian Italo & Giombini, Germana, 2022. "Non-performing loans, expectations and banking stability: A dynamic model," Chaos, Solitons & Fractals, Elsevier, vol. 157(C).
    27. Soetevent, Adriaan R., 2022. "Short run reference points and long run performance. (No) Evidence from running data," Journal of Economic Psychology, Elsevier, vol. 89(C).
    28. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    29. Bertola, Giuseppe & Lo Prete, Anna, 2024. "Financial Literacy and Resilience when Survey Respondents Prefer Guessing to Admitting Ignorance," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202406, University of Turin.
    30. Pașa Adina Teodora & Picatoste Xose & Gherghina Elena Mădălina, 2022. "Financial Literacy and Economic Growth: How Eastern Europe is Doing?," Economics - The Open-Access, Open-Assessment Journal, De Gruyter, vol. 16(1), pages 27-42, January.
    31. García, Gonzalo Llamosas & Pérez-Oleaga, Cristina Mazas, 2025. "What works in financial education? Experimental evidence on program impact," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 119(C).
    32. Pepur Sandra & Bulog Ivana & Smiljanić Ana Rimac, 2022. "Household Financial Fragility During COVID-19: the Power of Financially Literate Women," Zagreb International Review of Economics and Business, Paradigm, vol. 25(s1), pages 31-44.

  15. Lusardi, Annamaria & Mitchell, Olivia S. & Oggero, Noemi, 2019. "Debt close to retirement and its implications for retirement well-being," CFS Working Paper Series 631, Center for Financial Studies (CFS).

    Cited by:

    1. Zibei Chen & Karen A. Zurlo, 2022. "The Role of Secured and Unsecured Debt in Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 667-677, December.
    2. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    3. Peter Kwame Kuutol & Josue Mbonigaba & Rufaro Garidzirai, 2024. "Financial Literacy and Financial Well-Being in Rural Households in Ghana: The Role of Financial Information Consumption," Sustainability, MDPI, vol. 16(19), pages 1-24, September.

  16. Marguerite DeLiema & Martha Deevy & Annamaria Lusardi & Olivia S. Mitchell, 2018. "Financial Fraud among Older Americans: Evidence and Implications," NBER Working Papers 24803, National Bureau of Economic Research, Inc.

    Cited by:

    1. Kubilay, Elif & Raiber, Eva & Spantig, Lisa & Cahlíková, Jana & Kaaria, Lucy, 2023. "Can you spot a scam? Measuring and improving scam identification ability," Journal of Development Economics, Elsevier, vol. 165(C).
    2. Zhou Yu & Jessie X. Fan, 2024. "Migrant Status and Consumer Financial Fraud in China: A Two-Stage Approach Using a Representative Household Survey," SAGE Open, , vol. 14(2), pages 21582440241, May.
    3. Burke, Jeremy & Kieffer, Christine & Mottola, Gary & Perez-Arce, Francisco, 2022. "Can educational interventions reduce susceptibility to financial fraud?," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 250-266.
    4. Bai, Caiquan & Wang, Huimin & Xue, Qihang & Zhao, Yaping, 2025. "Financial crime and corporate social responsibility: Evidence from China," Journal of International Money and Finance, Elsevier, vol. 151(C).
    5. Gresenz, Carole Roan & Mitchell, Jean M. & Rodriguez, Belicia & Wang, Crystal & Turner, R. Scott & van der Klaauw, Wilbert, 2025. "The financial consequences of undiagnosed memory disorders," Journal of Financial Economics, Elsevier, vol. 172(C).
    6. Amit Punia, 2026. "The Dark Side of Anthropomorphism within AI-Driven Customer Experience: Manipulation, Data Disclosure and Consumer Vulnerability," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 13(6), pages 3777-3791, June.
    7. Elif Kubilay & Eva Raiber & Lisa Spantig & Jana Cahlíková & Lucy Kaaria, 2023. "Financial fraud in developing countries: Common scam detection tips do not help distinguish scam from non-scam messages," ECONtribute Policy Brief Series 056, University of Bonn and University of Cologne, Germany.
    8. Zheng, Hairong & Li, Qinghai & Xia, Chuanxin, 2024. "Does financial literacy contribute to facilitating residents in safeguarding their rights as financial consumers?A three-stage study based on the perspective of “fraud” phenomenon," International Review of Economics & Finance, Elsevier, vol. 93(PA), pages 720-735.
    9. Auer, Raphael & Tercero-Lucas, David, 2022. "Distrust or speculation? The socioeconomic drivers of U.S. cryptocurrency investments," Journal of Financial Stability, Elsevier, vol. 62(C).
    10. Amitabh Chandra & Courtney Coile & Corina Mommaerts, 2020. "What Can Economics Say About Alzheimer's Disease?," NBER Working Papers 27760, National Bureau of Economic Research, Inc.
    11. Hagen, Johannes & Malisa, Amedeus, 2022. "Financial fraud and individual investment behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 203(C), pages 593-626.
    12. Carlin, Bruce & Umar, Tarik & Yi, Hanyi, 2023. "Deputizing financial institutions to fight elder abuse," Journal of Financial Economics, Elsevier, vol. 149(3), pages 557-577.
    13. Brenner, Lukas & Meyll, Tobias & Stolper, Oscar & Walter, Andreas, 2020. "Consumer fraud victimization and financial well-being," Journal of Economic Psychology, Elsevier, vol. 76(C).
    14. Kim, Hugh H. & Maurer, Raimond & Mitchell, Olivia S., 2021. "How financial literacy shapes the demand for financial advice at older ages," The Journal of the Economics of Ageing, Elsevier, vol. 20(C).
    15. Gallego-Losada, Rocío & Montero-Navarro, Antonio & Rodríguez-Sánchez, José-Luis & González-Torres, Thais, 2022. "Retirement planning and financial literacy, at the crossroads. A bibliometric analysis," Finance Research Letters, Elsevier, vol. 44(C).
    16. John Ameriks & Andrew Caplin & Minjoon Lee & Matthew D. Shapiro & Christopher Tonetti, 2022. "Cognitive Decline, Limited Awareness, Imperfect Agency, and Financial Well-being," NBER Working Papers 29634, National Bureau of Economic Research, Inc.
    17. Jessie X. Fan & Zhou Yu, 2022. "Prevalence and Risk Factors of Consumer Financial Fraud in China," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 384-396, June.
    18. Pitthan, Francisco & De Witte, Kristof, 2025. "How learning about behavioural biases can improve financial literacy?," International Review of Economics & Finance, Elsevier, vol. 99(C).
    19. Li, Peng & Li, Qinghai & Du, Shanxing, 2024. "Does digital literacy help residents avoid becoming victims of frauds? Empirical evidence based on a survey of residents in six provinces of east China," International Review of Economics & Finance, Elsevier, vol. 91(C), pages 364-377.
    20. Boyle, Patricia & Mitchell, Olivia S. & Mottola, Gary R. & Yu, Lei, 2025. "Declining financial and health literacy among older men and women," The Journal of the Economics of Ageing, Elsevier, vol. 30(C).
    21. Patrick Joel Turkson & Joseph Gyamfi Yeboah & Doris Anim Yeboah & Paul Quaisie Eleke-Aboagye, 2024. "Mobile Money Fraud in Ghana: The Influence of Selected Demographic Variables," RAIS Conference Proceedings 2022-2026 0452, Research Association for Interdisciplinary Studies.
    22. Noviarini, Jelita & Coleman, Andrew & Roberts, Helen & Whiting, Rosalind H., 2021. "Financial literacy, debt, risk tolerance and retirement preparedness: Evidence from New Zealand," Pacific-Basin Finance Journal, Elsevier, vol. 68(C).
    23. Bruce I. Carlin & Tarik Umar & Hanyi Yi, 2020. "Deputization," NBER Working Papers 27225, National Bureau of Economic Research, Inc.
    24. Osvaldo García-Mata & Mariana Zerón-Félix, 2022. "A review of the theoretical foundations of financial well-being," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 69(2), pages 145-176, June.
    25. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    26. Wei, Li & Peng, Ming & Wu, Weixing, 2021. "Financial literacy and fraud detection——Evidence from China," International Review of Economics & Finance, Elsevier, vol. 76(C), pages 478-494.
    27. Rizky Yusviento Pelawi & Eduardus Tandelilin & I Wayan Nuka Lantara & Eddy Junarsin, 2025. "Empowered to Detect: How Vigilance and Financial Literacy Shield Us from the Rising Tide of Financial Frauds," JRFM, MDPI, vol. 18(8), pages 1-24, August.
    28. Xiao, Xiao & Li, Xiangyi & Zhou, Yi, 2022. "Financial literacy overconfidence and investment fraud victimization," Economics Letters, Elsevier, vol. 212(C).
    29. Steven James Lee, 2021. "Does Fixed Income Buffer against Fraud Shocks?," JRFM, MDPI, vol. 14(10), pages 1-22, October.

  17. Annamaria Lusardi & Olivia S. & Noemi Oggero, 2017. "“Debt and Financial Vulnerability on the Verge of Retirement"," CeRP Working Papers 173, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Simonse, Olaf & Van Dijk, Wilco W. & Van Dillen, Lotte F. & Van Dijk, Eric, 2024. "Economic predictors of the subjective experience of financial stress," Journal of Behavioral and Experimental Finance, Elsevier, vol. 42(C).
    2. Qun Zhang & Hyungsoo Kim, 2023. "Health shocks and mortgage debt payoff among American homeowners over age 50: A survival analysis," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 357-386, January.
    3. Angelici, Marta & Del Boca, Daniela & Oggero, Noemi & Profeta, Paola & Rossi, Mariacristina & Villosio, Claudia, 2020. "Pension Information and Women's Awareness," IZA Discussion Papers 13573, IZA Network @ LISER.
    4. Collins, J. Michael & Hembre, Erik & Urban, Carly, 2020. "Exploring the rise of mortgage borrowing among older Americans," Regional Science and Urban Economics, Elsevier, vol. 83(C).
    5. Isaia, Eleonora & Oggero, Noemi, 2022. "The potential use of robo-advisors among the young generation: Evidence from Italy," Finance Research Letters, Elsevier, vol. 48(C).
    6. Sheela Sundarasen & Usha Rajagopalan & Izani Ibrahim, 2024. "Financial Sustainability Through Literacy and Retirement Preparedness," Sustainability, MDPI, vol. 16(23), pages 1-20, December.
    7. M. M. Naeser Seldal & Ellen K. Nyhus, 2022. "Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies," Journal of Consumer Policy, Springer, vol. 45(2), pages 281-306, June.
    8. Olivia S. Mitchell, 2018. "Enhancing risk management for an aging world," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 43(2), pages 115-136, September.
    9. K. Majamaa & A.-R. Lehtinen & K. Rantala, 2019. "Debt Judgments as a Reflection of Consumption-Related Debt Problems," Journal of Consumer Policy, Springer, vol. 42(2), pages 223-244, June.
    10. Kexin Meng & Jing Jian Xiao, 2026. "Household Financial Vulnerability Before and During the COVID-19 Pandemic: An Exploration Through Machine Learning Approach," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 181(1), pages 1-21, January.
    11. James Oliver, 2023. "Relationship Between Dietary Patterns and Cognitive Function in Older Adults in USA," International Journal of Food Sciences, IPRJB, vol. 6(1), pages 26-38.
    12. Shijun Chai & Hao Qi, 2025. "Mobile Payments and Households’ Over-indebtedness: Micro Evidence Based on Subjective and Objective Perspectives," SAGE Open, , vol. 15(4), pages 21582440251, October.
    13. Andriy Tsapin & Oleksandr Faryna, 2024. "The Role of Financial Literacy in Anchoring Inflation Expectations: The Case of Ukraine," Working Papers 02/2024, National Bank of Ukraine.
    14. Yang Shuang & Muhammad Waris & Muhammad Kashif Nawaz & Cheng Chan & Ijaz Younis, 2024. "National income accounting attributes and economic welfare. Evidence from Pakistan," PLOS ONE, Public Library of Science, vol. 19(8), pages 1-21, August.
    15. Mahmoudi, Samir Elsadek, 2023. "Late-career unemployment shocks, pension outcomes and unemployment insurance," Journal of Public Economics, Elsevier, vol. 218(C).
    16. Elisabeth Beckmann & Söhnke Bergmann & Christa Hainz & Sarah Kiesl-Reiter, 2025. "Legal Risks and Social Bonds: How Does Information About Risks Affect the Willingness to Grant a Third-Party Loan Guarantee?," CESifo Working Paper Series 12022, CESifo.
    17. Nicolas Bédard & Pierre-Carl Michaud, 2018. "Playing with Fire? Debt near Retirement in Canada," CIRANO Working Papers 2018s-42, CIRANO.
    18. Ece Kozol, 2026. "Determinants of financial inclusion: a panel data analysis of global trends, digital finance and policy implications," Digital Finance, Springer, vol. 8(1), pages 1-30, March.
    19. Carole Roan Gresenz & Jean M Mitchell & R. Scott Turner & Wilbert Van der Klaauw & Crystal Wang, 2025. "Cognitive Health, Household Financial Decision-Making, and Intrahousehold Financial Spillovers," Staff Reports 1169, Federal Reserve Bank of New York.
    20. Lusardi, Annamaria & Clark, Robert & Mitchell, Olivia S, 2020. "Financial Fragility during the COVID-19 Pandemic," CEPR Discussion Papers 15532, Centre for Economic Policy Research.
    21. Mamekwa Katlego Kekana, 2025. "The role of robo-advisors in digitally transforming retirement planning in South Africa: a literature review," International Journal of Business Ecosystem & Strategy (2687-2293), Bussecon International Academy, vol. 7(5), pages 362-374, December.
    22. Zibei Chen & Karen A. Zurlo, 2022. "The Role of Secured and Unsecured Debt in Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 667-677, December.
    23. Noemi Oggero, 2023. "Retirement Expectations in the Aftermath of a Pension Reform," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 9(1), pages 353-367, March.
    24. Zhou, Jun & Korkmaz, Aslihan Gizem & Li, Youwei & Yue, Pengpeng & Yan, Yuhan, 2025. "The sword of damocles: Debt and depression," International Review of Financial Analysis, Elsevier, vol. 98(C).
    25. Bai, Zefeng & Wang, Pengcheng & Zhang, Hengwei, 2024. "When uncertainties matter: The causal effect of cryptocurrency investment on retirement hardship withdrawals," Finance Research Letters, Elsevier, vol. 67(PB).
    26. Mudrazija, Stipica & Butrica, Barbara A., 2023. "How does debt shape health outcomes for older Americans?," Social Science & Medicine, Elsevier, vol. 329(C).
    27. Haliassos, Michael & Gomes, Francisco, 2020. "Household Finance," CEPR Discussion Papers 14502, Centre for Economic Policy Research.
    28. Angrisani, Marco & Burke, Jeremy & Kapteyn, Arie, 2023. "Cognitive ability, cognitive aging, and debt accumulation," Journal of Banking & Finance, Elsevier, vol. 148(C).
    29. Isaia, Eleonora & Oggero, Noemi & Sandretto, Davide, 2024. "Is financial literacy a protection tool from online fraud in the digital era?," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    30. Anna M. Helka & Dominika Maison, 2021. "Predictors of the Propensity to Incur Loans for Varying Purposes in the Future," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 1114-1128.
    31. Stephanie Moulton & Donald Haurin & Samuel Dodini & Maximilian D. Schmeiser, 2020. "How federally insured reverse mortgages affect the credit outcomes of older adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(4), pages 1298-1327, December.
    32. Zhuyun Xie & Yuzhe Xie & Yue Liu & Guoliang Xu & Biao Xu, 2024. "The long‐term impact of household debts on household consumption," Asian Economic Journal, East Asian Economic Association, vol. 38(2), pages 202-231, June.
    33. Koh, Benedict S.K. & Mitchell, Olivia S. & Rohwedder, Susann, 2020. "Financial knowledge and portfolio complexity in Singapore," The Journal of the Economics of Ageing, Elsevier, vol. 17(C).
    34. Barone, Simona & Oggero, Noemi & Damilano, Marina, 2026. "Financial literacy and international portfolio diversification," International Review of Economics & Finance, Elsevier, vol. 105(C).
    35. Xi Chen & Guowan Hu & Huwei Wen, 2025. "Investigating the Factors Influencing Household Financial Vulnerability in China: An Exploration Based on the Shapley Additive Explanations Approach," Sustainability, MDPI, vol. 17(12), pages 1-28, June.
    36. Bavafa, Hessam & Mukherjee, Anita & Welch, Tyler Q., 2023. "Inequality in the golden years: Wealth gradients in disability-free and work-free longevity in the United States," Journal of Health Economics, Elsevier, vol. 92(C).
    37. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    38. Darren Duxbury & Thanos Verousis & David Marsh, 2026. "Behavioral drivers of intentions to use cash: UK survey evidence," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-31, December.
    39. Noemi Oggero & Maria Cristina Rossi & Elisa Ughetto, 2020. "Entrepreneurial spirits in women and men. The role of financial literacy and digital skills," Small Business Economics, Springer, vol. 55(2), pages 313-327, August.
    40. Ma, Xuxia & Liu, Cheng, 2025. "Does digital poverty exacerbate household financial fragility?," International Review of Financial Analysis, Elsevier, vol. 107(C).
    41. Ece Kozol, 2026. "The financial literacy gap: A Cross-National study on economic Development, digital finance and inclusion," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 31(1), pages 1-32, March.
    42. Andrea Bacchiocchi & Federico Favaretto & Germana Giombini, 2025. "Balancing Interests: Economic Incentives in Financial Education for Households and Banks," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 515-545, July.
    43. Lusardi, Annamaria & Mitchell, Olivia S & Oggero, Noemi, 2020. "Understanding Debt in the Older Population," CEPR Discussion Papers 15568, Centre for Economic Policy Research.
    44. Stefania Basiglio & Noemi Oggero, 2020. "The Effects of Pension Information on Individuals’ Economic Outcomes: A Survey," Economies, MDPI, vol. 8(3), pages 1-16, August.
    45. Floyd Khoza, 2025. "Mineworkers’ Perspectives Towards Participating in Retirement Planning in South Africa," JRFM, MDPI, vol. 18(1), pages 1-19, January.
    46. Dang, Chao & Chen, Xinyang & Yu, Shengjie & Chen, Rongda & Yang, Yifan, 2022. "Credit ratings of Chinese households using factor scores and K-means clustering method," International Review of Economics & Finance, Elsevier, vol. 78(C), pages 309-320.
    47. Baudot, Lisa & Nuttall, Garrison & Wallace, Dana & Wu, Huikun, 2025. "Internalizing responsibilized financial behavior: Self-determination among older individuals in the United States," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 102(C).
    48. Sara Lamboglia & Noemi Oggero & Mariacristina Rossi & Massimiliano Stacchini, 2024. "Financial knowledge and career aspirations among the young: a route to entrepreneurship," Questioni di Economia e Finanza (Occasional Papers) 838, Bank of Italy, Economic Research and International Relations Area.
    49. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.

  18. Marguerite DeLiema & Martha Deevy & Annamaria Lusardi & Olivia S. Mitchell, 2017. "Exploring the Risks and Consequences of Elder Fraud Victimization: Evidence from the Health and Retirement Study," Working Papers wp374, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Lynn Langton & Marguerite DeLiema & Daniel Brannock & Edward Preble & Brian Southwell & Alison Proctor, 2026. "Calling All Fraud Fighters! Evidence From a Counter‐Marketing Campaign to Prevent Repeat Fraud Victimization," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.

  19. Annamaria Lusardi & Olivia S. Mitchell, 2016. "Older Women’s Labor Market Attachment, Retirement Planning, and Household Debt," NBER Working Papers 22606, National Bureau of Economic Research, Inc.

    Cited by:

    1. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    2. Anil Kumar & Che-Yuan Liang, 2018. "Labor Market Effects of Credit Constraints: Evidence from a Natural Experiment," Working Papers 1810, Federal Reserve Bank of Dallas, revised 04 Feb 2023.
    3. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    4. Kyoung Tae Kim & Somer G. Anderson & Martin C. Seay, 2019. "Financial Knowledge and Short-Term and Long-Term Financial Behaviors of Millennials in the United States," Journal of Family and Economic Issues, Springer, vol. 40(2), pages 194-208, June.
    5. Annamaria Lusardi & Olivia S. Mitchell & Noemi Oggero, 2017. "Debt and Financial Vulnerability on the Verge of Retirement," NBER Working Papers 23664, National Bureau of Economic Research, Inc.
    6. Asyraf Afthanorhan & Abdullah Al Mamun & Noor Raihani Zainol & Hazimi Foziah & Zainudin Awang, 2020. "Framing the Retirement Planning Behavior Model towards Sustainable Wellbeing among Youth: The Moderating Effect of Public Profiles," Sustainability, MDPI, vol. 12(21), pages 1-24, October.
    7. Maria Rosa Miccoli & Yury Shevchenko & Paola Iannello & Ulf-Dietrich Reips, 2025. "Factors shaping subjective financial well-being in emerging adults: A comparative study of Italy and Germany," PLOS ONE, Public Library of Science, vol. 20(4), pages 1-20, April.

  20. Annamaria Lusardi & Pierre-Carl Michaud & Olivia S. Mitchell, 2015. "Using a Life Cycle Model to Evaluate Financial Literacy Program Effectiveness," CIRANO Working Papers 2015s-14, CIRANO.

    Cited by:

    1. Balasubramnian, Bhanu & Sargent, Carol Springer, 2020. "Impact of inflated perceptions of financial literacy on financial decision making," Journal of Economic Psychology, Elsevier, vol. 80(C).
    2. Balakina, Olga & Balasubramaniam, Vimal & Dimri, Aditi & Sane, Renuka, 2026. "Unshrouding product-specific attributes through financial education," Journal of Development Economics, Elsevier, vol. 178(C).
    3. Julia Le Blanc & Alessandro Porpiglia & Federica Teppa & Junyi Zhu & Michael Ziegelmeyer, 2016. "Household Saving Behavior in the Euro Area," International Journal of Central Banking, International Journal of Central Banking, vol. 12(2), pages 15-69, June.

  21. Kyle Carlson & Joshua Kim & Annamaria Lusardi & Colin F. Camerer, 2015. "Bankruptcy Rates among NFL Players with Short-Lived Income Spikes," NBER Working Papers 21085, National Bureau of Economic Research, Inc.

    Cited by:

    1. Hee Jung Hong & Ian Fraser, 2021. "‘My Sport Won’t Pay the Bills Forever’: High-Performance Athletes’ Need for Financial Literacy and Self-Management," JRFM, MDPI, vol. 14(7), pages 1-16, July.
    2. Jaco Moolman & Christina Cornelia Shuttleworth, 2025. "Qualitatively Pre-Testing a Tailored Financial Literacy Measurement Instrument for Professional Athletes," JRFM, MDPI, vol. 18(6), pages 1-26, June.
    3. Li, Li & Mak, Eric & Pivovarova, Margarita, 2016. "Conspicuous Consumption and Within-Group Income Inequality," MPRA Paper 83338, University Library of Munich, Germany.
    4. Brent, Daniel A. & Ward, Michael B., 2018. "Energy efficiency and financial literacy," Journal of Environmental Economics and Management, Elsevier, vol. 90(C), pages 181-216.
    5. Newall, Philip W.S. & Peacey, Mike W., 2021. "Pension behavior and policy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 29(C).
    6. Kent Daniel & Lorenzo Garlappi & Kairong Xiao, 2018. "Monetary Policy and Reaching for Income," NBER Working Papers 25344, National Bureau of Economic Research, Inc.

  22. Robert Clark & Annamaria Lusardi & Olivia S. Mitchell, 2015. "Employee Financial Literacy and Retirement Plan Behavior: A Case Study," NBER Working Papers 21461, National Bureau of Economic Research, Inc.

    Cited by:

    1. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    2. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    3. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    4. Charisna Adinda & Ubud Salim & Himmiyatul Amanah Jiwa Juwita, 2023. "Why does the level of financial satisfaction high during the covid-19 pandemic? The role of income, financial knowledge, financial stress, Covid-19 omicron awareness, and financial behavior on the financial satisfaction of master of management studen," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(4), pages 202-216, June.
    5. Hoffmann, Arvid O.I. & Plotkina, Daria, 2020. "Why and when does financial information affect retirement planning intentions and which consumers are more likely to act on them?," Journal of Business Research, Elsevier, vol. 117(C), pages 411-431.
    6. Zaheer Ahmed & Umara Noreen & Suresh A.L. Ramakrishnan & Dewi Fariha Binti Abdullah, 2021. "What explains the investment decision-making behaviour? The role of financial literacy and financial risk tolerance," Afro-Asian Journal of Finance and Accounting, Inderscience Enterprises Ltd, vol. 11(1), pages 1-19.
    7. Artem Abduramanov, 2025. "Financial Literacy and Pension Strategies: Evidence from Russia," Russian Journal of Money and Finance, Bank of Russia, vol. 84(3), pages 115-136, September.
    8. Billari, Francesco C. & Favero, Carlo A. & Saita, Francesco, 2023. "Online financial and demographic education for workers: Experimental evidence from an Italian Pension Fund," Journal of Banking & Finance, Elsevier, vol. 151(C).
    9. Alessio D'Ignazio & Ludovica Galotto & Cristiana Rampazzi, 2024. "Tackling the gender gap in financial literacy. Evidence from a financial education program in the workplace," Questioni di Economia e Finanza (Occasional Papers) 855, Bank of Italy, Economic Research and International Relations Area.
    10. Ancuța Lucaci & Carmen Năstase, 2023. "Financial literacy and employment: an overview and bibliometric analysis," Journal of Financial Studies, Institute of Financial Studies, vol. 14(8), pages 129-150, June.
    11. Pankhuri Sinha & Lokanandha Reddy Irala, 2025. "Prepared for retirement? Think again: a systematic review and future research agenda," Management Review Quarterly, Springer, vol. 75(1), pages 1-38, February.
    12. Vieira, Kelmara Mendes & Matheis, Taiane Keila & Potrich, Ani Caroline Grigion & Puhle, Mayara de Carvalho & Bressan, Aureliano Angel & Klein, Leander Luiz, 2024. "Financial Freedom Perception Scale (FFPS): Construction and validation," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    13. Robert L. Clark & Olivia S. Mitchell, 2020. "Target Date Defaults in a Public Sector Retirement Saving Plan," Southern Economic Journal, John Wiley & Sons, vol. 86(3), pages 1133-1149, January.
    14. Rani, Mamta & Siwach, Manoj, . "Financial literacy in India: a review of literature," Economic and Regional Studies (Studia Ekonomiczne i Regionalne), John Paul II University of Applied Sciences in Biala Podlaska, vol. 11(2).
    15. Nitika Sharma & Sridhar Manohar & Arjun J. Nair & A. B. Satish Rao, 2025. "Market microstructure to enhance sustainable investment decision and asset growth through financial literacy," Journal of Innovation and Entrepreneurship, Springer, vol. 14(1), pages 1-20, December.
    16. Casiana ILLE, 2021. "Trends And Perspectives On Entrepreneurial Education In Romania And The Eu," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 30(2), pages 54-64, December.
    17. Balasubramnian, Bhanu & Sargent, Carol Springer, 2020. "Impact of inflated perceptions of financial literacy on financial decision making," Journal of Economic Psychology, Elsevier, vol. 80(C).
    18. Wang, Yaojing & Yuan, Cheng & Zhao, Jiayu, 2025. "Growth-mindset financial education and labor supply of low-income women: An RCT evidence from rural China," Emerging Markets Review, Elsevier, vol. 69(C).
    19. Rani Mamta & Siwach Manoj, 2023. "Financial Literacy in India: A Review of Literature," Economic and Regional Studies / Studia Ekonomiczne i Regionalne, Paradigm, vol. 16(3), pages 446-458, September.
    20. Liu, Liu & Zhang, Hua, 2021. "Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    21. John Chalmers & Olivia S. Mitchell & Jonathan Reuter & Mingli Zhong, 2021. "Auto-Enrollment Retirement Plans in OregonSaves," Working Papers wp425, University of Michigan, Michigan Retirement Research Center.
    22. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    23. John Chalmers & Olivia S. Mitchell & Jonathan Reuter & Mingli Zhong, 2021. "Auto-Enrollment Retirement Plans for the People: Choices and Outcomes in OregonSaves," NBER Working Papers 28469, National Bureau of Economic Research, Inc.
    24. Nolan, Anne & Doorley, Karina, 2019. "Financial Literacy and Preparation for Retirement," IZA Discussion Papers 12187, IZA Network @ LISER.
    25. Pascal Büsing & Henning Cordes & Thomas Langer, 2023. "How the provision of inflation information affects pension contributions: A field experiment," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 90(3), pages 633-666, September.
    26. Maya Haran Rosen & Orly Sade, 2019. "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy," Natural Field Experiments 00662, The Field Experiments Website.
    27. Tim Kaiser & Lukas Menkhoff, 2016. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When?," Discussion Papers of DIW Berlin 1562, DIW Berlin, German Institute for Economic Research.
    28. Francesco C. Billari & Carlo A. Favero & Francesco Saita, 2017. "Nudging financial and demographic literacy: experimental evidence from an Italian Trade Union Pension Fund," BAFFI CAREFIN Working Papers 1767, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    29. Christi R. Wann & Lisa A. Burke-Smalley, 2023. "Attributes of Households that Engage in Higher Levels of Family Financial Planning," Journal of Family and Economic Issues, Springer, vol. 44(1), pages 98-113, March.
    30. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    31. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes, 2021. "Measuring financial knowledge: a macroeconomic perspective," International Economics and Economic Policy, Springer, vol. 18(1), pages 177-222, February.
    32. Ingrid Mairhuber & Bettina Stadler, 2020. "Gender Gap in Pension und Pension Literacy von Frauen in Österreich," Wirtschaft und Gesellschaft - WuG, Kammer für Arbeiter und Angestellte für Wien, Abteilung Wirtschaftswissenschaft und Statistik, vol. 46(4), pages 515-536.
    33. Kavita Karan Ingale & Ratna Achuta Paluri, 2025. "Retirement planning – a systematic review of literature and future research directions," Management Review Quarterly, Springer, vol. 75(1), pages 1-43, February.
    34. Pierre-Carl Michaud, 2017. "The value of financial literacy and financial education for workers," World of Labour, LISER, pages 400-400, November.

  23. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek & Joanne Yoong, 2014. "Five Steps to Planning Success. Experimental Evidence from U.S. Households," Framed Field Experiments 00434, The Field Experiments Website.

    Cited by:

    1. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.
    2. Bruce I. Carlin & Li Jiang & Stephen A. Spiller, 2014. "Learning Millennial-Style," NBER Working Papers 20268, National Bureau of Economic Research, Inc.
    3. Kaiser, Tim & Menkhoff, Lukas, 2020. "Financial education in schools: A meta-analysis of experimental studies," Economics of Education Review, Elsevier, vol. 78(C).
    4. Gabriele Iannotta & Marta Cannistrà & Tommaso Agasisti, 2024. "It's never too late to be financially literate: Evaluating a financial education intervention for adults in Italy," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 397-431, June.
    5. Anya Samek & Arie Kapteyn & Andre Gray, 2018. "Using Consequence Messaging to Improve Understanding of Social Security," Working Papers wp383, University of Michigan, Michigan Retirement Research Center.
    6. Anchal Khandelwal & Abhishek Vajjala & Anirudh Tagat, 2025. "Financial Literacy and Inclusion in India: Evidence from Household-level Data after Demonetization," Journal of Emerging Market Finance, Institute for Financial Management and Research, vol. 24(3), pages 331-359, September.
    7. Roberto Alvarez & Alvaro Miranda & Jaime Ruiz-Tagle, 2023. "Whisper Words of Wisdom: How Financial Counseling can Reduce Delinquency in Consumer Loans," Working Papers wp552, University of Chile, Department of Economics.
    8. Popovich, Jacob J. & Loibl, Cäzilia & Zirkle, Christopher & Whittington, M. Susie, 2020. "Community college students’ response to a financial literacy intervention: An exploratory study," International Review of Economics Education, Elsevier, vol. 34(C).
    9. John List & Robert Metcalfe, 2014. "Field experiments in the developed world: an introduction," Artefactual Field Experiments 00405, The Field Experiments Website.
    10. Edward Hubbard & Percival Matthews & Anya Samek, 2016. "Using online compound interest tools to improve financial literacy," The Journal of Economic Education, Taylor & Francis Journals, vol. 47(2), pages 106-120, April.
    11. Stefan Klößner & Gregor Pfeifer, 2019. "The Importance of Tax Adjustments When Evaluating Wage Expectations," Scandinavian Journal of Economics, Wiley Blackwell, vol. 121(2), pages 578-605, April.
    12. Kai Yuan Kuan & Mark R. Cullen & Sepideh Modrek, 2015. "Racial Disparities in Savings Behavior for a Continuously Employed Cohort," NBER Working Papers 20937, National Bureau of Economic Research, Inc.
    13. Panu Kalmi, 2018. "The Effects of Financial Education: Evidence from Finnish Lower Secondary Schools," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 353-386, July.
    14. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).
    15. Annamaria Lusardi, 2015. "Risk Literacy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 1(1), pages 5-23, March.
    16. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    17. Casiana ILLE, 2021. "Trends And Perspectives On Entrepreneurial Education In Romania And The Eu," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 30(2), pages 54-64, December.
    18. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    19. Niszczota, Paweł & Abbas, Sami, 2023. "GPT has become financially literate: Insights from financial literacy tests of GPT and a preliminary test of how people use it as a source of advice," Finance Research Letters, Elsevier, vol. 58(PA).
    20. Antoine Genest-Grégoire & Luc Godbout & Jean-Herman Guay, 2017. "The Knowledge Deficit about Taxes: Who It Affects and What to Do About It," C.D. Howe Institute Commentary, C.D. Howe Institute, issue 484, July.
    21. Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi, 2014. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," NBER Working Papers 20618, National Bureau of Economic Research, Inc.
    22. Tim Kaiser & Lukas Menkhoff, 2016. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When?," Discussion Papers of DIW Berlin 1562, DIW Berlin, German Institute for Economic Research.
    23. Bussoli, Candida & Fattobene, Lucrezia, 2026. "Can you read this chart? Evidence from the U.S. on financial graph literacy and its impact on behaviour," International Review of Economics & Finance, Elsevier, vol. 106(C).
    24. García, Gonzalo Llamosas & Pérez-Oleaga, Cristina Mazas, 2025. "What works in financial education? Experimental evidence on program impact," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 119(C).

  24. David Boisclair & Annamaria Lusardi & Pierre-Carl Michaud, 2014. "Financial Literacy and Retirement Planning in Canada," CIRANO Working Papers 2014s-35, CIRANO.

    Cited by:

    1. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    2. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    3. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    4. Mostafa Saidur Rahim Khan & Pongpat Putthinun & Somtip Watanapongvanich & Pattaphol Yuktadatta & Md. Azad Uddin & Yoshihiko Kadoya, 2021. "Do Financial Literacy and Financial Education Influence Smoking Behavior in the United States?," IJERPH, MDPI, vol. 18(5), pages 1-18, March.
    5. Shunsuke Ono & Pattaphol Yuktadatta & Takafumi Taniguchi & Tomoe Iitsuka & Masafumi Noguchi & Sawa Tanaka & Haruka Ito & Kousei Nakamura & Nanako Yasuhara & Chihiro Miyawaki & Katsumi Mikura & Mostafa, 2021. "Financial Literacy and Exercise Behavior: Evidence from Japan," Sustainability, MDPI, vol. 13(8), pages 1-15, April.
    6. Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez., 2021. "Educación financiera y decisiones de ahorro e inversión: un análisis de la Encuesta de Competencias Financieras (ECF)," CNMV Documentos de Trabajo CNMV Documentos de Trabaj, CNMV- Comisión Nacional del Mercado de Valores - Departamento de Estudios y Estadísticas.
    7. Elisabeth Beckmann & Christa Hainz & Sarah Reiter, 2022. "Third-Party Loan Guarantees: Measuring Literacy and its Effect on Financial Decisions (Elisabeth Beckmann, Christa Hainz, Sarah Reiter)," Working Papers 237, Oesterreichische Nationalbank (Austrian Central Bank).
    8. Sutter, Matthias & Weyland, Michael & Untertrifaller, Anna & Froitzheim, Manuel & Schneider, Sebastian O., 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," IZA Discussion Papers 16102, IZA Network @ LISER.
    9. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim, 2020. "Financial Literacy, Risk and Time Preferences - Results from a Randomized Educational Intervention," CESifo Working Paper Series 8489, CESifo.
    10. Martin Boyer & Philippe De Donder & Claude Fluet & Marie-Louise Leroux & Pierre-Carl Michaud, 2017. "Long-term Care Insurance: Knowledge Barriers, Risk Perception and Adverse Selection," Cahiers de recherche 1701, Chaire de recherche Industrielle Alliance sur les enjeux économiques des changements démographiques.
    11. Maya KATENOVA & Sang HOON LEE, 2020. "A comparative study of financial literacy, retirement planning and delinquency in payment: the Kazakhstan case Abstract: Financial knowledge is assumed to help people in making good choices in their financial attitude and behaviour. Financial literac," Eastern Journal of European Studies, Centre for European Studies, Alexandru Ioan Cuza University, vol. 11, pages 273-292, June.
    12. Samson Adewumi, 2024. "Level of Financial Literacy Skills and Managerial Decision Implication among University Managers," International Review of Management and Marketing, International Review of Management and Marketing, vol. 14(4), pages 1-11, July.
    13. Yang Li & Jan E. Mutchler & Edward Alan Miller & Jing Jian Xiao & Reginald Tucker-Seeley, 2022. "Space, Context, and Human Capital: A Micro–Macro Perspective on the Social Environment and Financial Literacy in Later Life," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 41(3), pages 1385-1404, June.
    14. Alison Preston & Robert E. Wright, 2023. "Gender, Financial Literacy and Pension Savings," The Economic Record, The Economic Society of Australia, vol. 99(324), pages 58-83, March.
    15. Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez, 2021. "Financial education and savings and investment decisions: An analysis of the Survey of financial competences (ECF)," CNMV Working Papers CNMV Working Papers no. 7, CNMV- Spanish Securities Markets Commission - Research and Statistics Department.
    16. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    17. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan, 2016. "What Determines Financial Literacy in Japan?," ISER Discussion Paper 0982, Institute of Social and Economic Research, The University of Osaka.
    18. Francisco Palací & Irene Jiménez & Gabriela Topa, 2018. "Too soon to worry? Longitudinal examination of financial planning for retirement among Spanish aged workers," PLOS ONE, Public Library of Science, vol. 13(12), pages 1-17, December.
    19. TAVARES Fernando Oliveira & ALMEIDA Luís Gomes & SOARES Vasco Jorge & TAVARES Vasco Capela, 2022. "Financial literacy: an exploratory analysis in Portugal," Studies in Business and Economics, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 17(2), pages 252-269, August.
    20. Marianne Laurin & Derek Messacar & Pierre-Carl Michaud, 2021. "Financial Literacy and the Timing of Tax-Preferred Savings Account Withdrawals," Cahiers de recherche / Working Papers 2106, Chaire de recherche sur les enjeux économiques intergénérationnels / Research Chair in Intergenerational Economics.
    21. Willows, Gizelle D. & October, Charnè, 2023. "Perceptions of retirement savings: Through the lens of Black amaXhosa women in South Africa," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 90(C).
    22. Anokye M. Adam, & Siaw Frimpong, & Mavis Opoku Boadu, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center, vol. 13(2), pages 224-236, May.
    23. Tan, Jing & Cai, Dongliang & Han, Kefei & Zhou, Kui, 2022. "Understanding peasant household’s land transfer decision-making: A perspective of financial literacy," Land Use Policy, Elsevier, vol. 119(C).
    24. M. Martin Boyer & Philippe De Donder & Claude Fluet & Marie-Louise Leroux & Pierre-Carl Michaud, 2018. "A Canadian Parlor Room-Type Approach to the Long-Term Care Insurance Puzzle," Cahiers de recherche 1804, Chaire de recherche Industrielle Alliance sur les enjeux économiques des changements démographiques.
    25. Shubhra Biswas & Arindam Gupta, 2021. "Impact of Financial Literacy on Household Decision-Making: A Study in the State of West Bengal in India," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 11(5), pages 104-113.
    26. Bucher-Koenen, Tabea & Lusardi, Annamaria & Alessie, Rob J. M. & Van Rooij, Maarten C. J., 2014. "How Financially Literate are Women? An Overview and New Insights," MEA discussion paper series 201419, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    27. Edyta Marcinkiewicz, 2018. "Does the retirement saving motive foster higher savings? The evidence from the Polish household survey," Business and Economic Horizons (BEH), Prague Development Center, vol. 14(1), pages 85-96, January.
    28. Albert Hizgilov & Jacques Silber, 2020. "On Multidimensional Approaches to Financial Literacy Measurement," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 148(3), pages 787-830, April.
    29. Carlos Santiago Guzm√°n Guti√©rrez, 2019. "Sistema Pensional Colombiano: implicaciones de la educaci√≥n financiera sobre las decisiones de traslado de los individuos," Documentos CEDE 17677, Universidad de los Andes, Facultad de Economía, CEDE.
    30. Chen, Chuna & Tan, Zhuomin & Liu, Song, 2024. "How does financial literacy affect households’ financial fragility? The role of insurance awareness," International Review of Economics & Finance, Elsevier, vol. 95(C).
    31. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2024. "Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4203-4238, March.
    32. Zheng, Yeqiu & Gu, Yan & van Soest, Arthur, 2023. "Beyond financial knowledge and IQ: The effect of temporal values on pension planning, homeownership and financial wealth of natives and immigrants in the Netherlands," OSF Preprints 6cwk7, Center for Open Science.
    33. Yang, Qianqian & Ye, Zihan & Zhou, Haizhen & Mo, Weiqiao, 2024. "Rely on whom you trust? Trust and financial planning for retirement," Finance Research Letters, Elsevier, vol. 69(PA).
    34. Han, Wei & Zhang, Bo & Li, Wei, 2024. "The constraining impact mechanism of financial cognitive ability on the effective demand for housing reverse mortgages in China," International Review of Financial Analysis, Elsevier, vol. 95(PC).
    35. Pongpat Putthinun & Somtip Watanapongvanich & Mostafa Saidur Rahim Khan & Yoshihiko Kadoya, 2021. "Financial Literacy and Alcohol Drinking Behavior: Evidence from Japan," Sustainability, MDPI, vol. 13(16), pages 1-13, August.
    36. Rui Xue & Adrian Gepp & Terry J. O'Neill & Steven Stern & Bruce J. Vanstone, 2020. "Financial well‐being amongst elderly Australians: the role of consumption patterns and financial literacy," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 60(4), pages 4361-4386, December.
    37. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    38. Susanna Levantesi & Giulia Zacchia, 2021. "Machine Learning and Financial Literacy: An Exploration of Factors Influencing Financial Knowledge in Italy," JRFM, MDPI, vol. 14(3), pages 1-21, March.
    39. Annamaria Lusardi, 2015. "Risk Literacy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 1(1), pages 5-23, March.
    40. Pattaphol Yuktadatta & Mostafa Saidur Rahim Khan & Yoshihiko Kadoya, 2021. "Financial Literacy and Exercise Behavior in the United States," Sustainability, MDPI, vol. 13(16), pages 1-17, August.
    41. Wolfram Horneff & Raimond Maurer & Michael Stamos, 2006. "Life-Cycle Asset Allocation with Annuity Markets: Is Longevity Insurance a Good Deal?," Working Papers wp146, University of Michigan, Michigan Retirement Research Center.
    42. Vitor Leone & Piers Thompson, 2024. "Financial literacy and advice perceptions among UK higher education students: an ethnicity tale?," Review of Economics of the Household, Springer, vol. 22(2), pages 709-781, June.
    43. Liu, Liu & Zhang, Hua, 2021. "Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    44. Łukasz Kurowski, 2021. "Household’s Overindebtedness during the COVID-19 Crisis: The Role of Debt and Financial Literacy," Risks, MDPI, vol. 9(4), pages 1-19, March.
    45. John Chalmers & Olivia S. Mitchell & Jonathan Reuter & Mingli Zhong, 2021. "Auto-Enrollment Retirement Plans in OregonSaves," Working Papers wp425, University of Michigan, Michigan Retirement Research Center.
    46. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    47. John Chalmers & Olivia S. Mitchell & Jonathan Reuter & Mingli Zhong, 2021. "Auto-Enrollment Retirement Plans for the People: Choices and Outcomes in OregonSaves," NBER Working Papers 28469, National Bureau of Economic Research, Inc.
    48. Levy, Daniel & Snir, Avichai, 2017. "Potterian Economics," MPRA Paper 76344, University Library of Munich, Germany.
    49. Zhang, Qian & Guo, Lian & Chen, Diqiang & Lei, Shini, 2025. "Does mobile access to the internet increase household financial literacy?," International Review of Financial Analysis, Elsevier, vol. 98(C).
    50. Wan Mashumi Wan Mustafa & Md. Aminul Islam & Muhammad Asyraf & Md. Sharif Hassan & Pradip Royhan & Shafiqur Rahman, 2023. "The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor," Sustainability, MDPI, vol. 15(3), pages 1-17, February.
    51. Heejung Park & William Martin, 2022. "Effects of risk tolerance, financial literacy, and financial status on retirement planning," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 27(3), pages 167-176, September.
    52. Cheung, Yan-Leung & Mak, Billy S.C. & Shu, Hao & Tan, Weiqiang, 2023. "Impact of financial investment on confidence in a happy future retirement," International Review of Financial Analysis, Elsevier, vol. 89(C).
    53. Vieira, Kelmara Mendes & Rosenblum, Tamara Otilia Amaral & Matheis, Taiane Keila, 2022. "And tomorrow, how will it be? Developing a Financial Preparation for Retirement Scale (FPRS)," Journal of Behavioral and Experimental Finance, Elsevier, vol. 35(C).
    54. Andie Storozuk & Erin A. Maloney, 2023. "What’s Math Got to Do with It?: Establishing Nuanced Relations between Math Anxiety, Financial Anxiety, and Financial Literacy," JRFM, MDPI, vol. 16(4), pages 1-27, April.
    55. Khan Jahirul Islam & Julien Picault, 2025. "One card fits all? Exploring the incidence, intensity, and extent of credit card use in Canada (1999–2019)," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(1), pages 1-28, March.
    56. Zuzana Brokesova & Andrej Cupak & Gueorgui Kolev, 2017. "Financial literacy and voluntary savings for retirement in Slovakia," Working and Discussion Papers WP 10/2017, Research Department, National Bank of Slovakia.
    57. Adam, Anokye Mohammed & Frimpong, Siaw & Boadu, Mavis Opoku, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center (PRADEC), vol. 13(2).
    58. Sonia Buchholtz & Jan Gąska & Marek Góra, 2021. "Myopic Savings Behaviour of Future Polish Pensioners," Risks, MDPI, vol. 9(2), pages 1-19, February.
    59. Luc Arrondel, 2020. "Financial literacy and French behaviour on the stock market," Working Papers halshs-02505320, HAL.
    60. Niu, Geng & Zhou, Yang & Gan, Hongwu, 2020. "Financial literacy and retirement preparation in China," Pacific-Basin Finance Journal, Elsevier, vol. 59(C).
    61. Beatrice Magistro, 2022. "The influence of financial and economic literacy on policy preferences in Italy," Economics and Politics, Wiley Blackwell, vol. 34(2), pages 351-381, July.
    62. Xin Li & Yunjie Wei & Shouyang Wang, 2025. "Household finance research: A systematic bibliometric analysis of evolution, trends, and emerging research directions," Review of Economics of the Household, Springer, vol. 23(2), pages 839-867, June.
    63. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    64. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes, 2021. "Measuring financial knowledge: a macroeconomic perspective," International Economics and Economic Policy, Springer, vol. 18(1), pages 177-222, February.
    65. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    66. Floyd Khoza, 2025. "Mineworkers’ Perspectives Towards Participating in Retirement Planning in South Africa," JRFM, MDPI, vol. 18(1), pages 1-19, January.
    67. Lucy Haag & Luis Oberrauch & Taiga Brahm, 2026. "The Gender Gap in Financial Literacy—The Role of Response Behavior," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.
    68. Asyraf Afthanorhan & Abdullah Al Mamun & Noor Raihani Zainol & Hazimi Foziah & Zainudin Awang, 2020. "Framing the Retirement Planning Behavior Model towards Sustainable Wellbeing among Youth: The Moderating Effect of Public Profiles," Sustainability, MDPI, vol. 12(21), pages 1-24, October.
    69. Iwa Kuchciak & Justyna Wiktorowicz, 2021. "Empowering Financial Education by Banks—Social Media as a Modern Channel," JRFM, MDPI, vol. 14(3), pages 1-22, March.
    70. Vani Tanggamani & Azlina Rahim & Hamidah Bani & Nor Ashikin Alias, 2024. "Elevating Financial Literacy Among Women Entrepreneurs: Cognitive Approach of Strong Financial Knowledge, Financial Skills and Financial Responsibility," Information Management and Business Review, AMH International, vol. 16(1), pages 279-286.
    71. Nur Diyana Yusoff & Shafinar Ismail & Noraznira Abd Razak & Nor Shahrina Mohd Rafien & Azreen Roslan, 2025. "Risk Tolerance and Financial Knowledge in Retirement Preparedness: A Conceptual Framework Based on Prospect Theory for Malaysia’s Low-Income Workers," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 5946-5962, September.
    72. Peng, Geng & Liu, Fang & Lu, Wenyi & Liao, Kaicheng & Tang, Changan & Zhu, Lei, 2018. "A spatial-temporal analysis of financial literacy in United States of America," Finance Research Letters, Elsevier, vol. 26(C), pages 56-62.

  25. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.

    Cited by:

    1. Ester Muñoz-Céspedes & Raquel Ibar-Alonso & Sara de Lorenzo Ros, 2021. "Financial Literacy and Sustainable Consumer Behavior," Sustainability, MDPI, vol. 13(16), pages 1-21, August.
    2. Hueber, Laura & Schwaiger, Rene, 2022. "Debiasing through experience sampling: The case of myopic loss aversion," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 87-138.
    3. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    4. Hoffmann, Arvid O.I. & Plotkina, Daria, 2020. "Why and when does financial information affect retirement planning intentions and which consumers are more likely to act on them?," Journal of Business Research, Elsevier, vol. 117(C), pages 411-431.
    5. Kaiser, Tim & Menkhoff, Lukas, 2020. "Financial education in schools: A meta-analysis of experimental studies," Economics of Education Review, Elsevier, vol. 78(C).
    6. Gabriele Iannotta & Marta Cannistrà & Tommaso Agasisti, 2024. "It's never too late to be financially literate: Evaluating a financial education intervention for adults in Italy," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 397-431, June.
    7. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    8. Angelici, Marta & Del Boca, Daniela & Oggero, Noemi & Profeta, Paola & Rossi, Mariacristina & Villosio, Claudia, 2020. "Pension Information and Women's Awareness," IZA Discussion Papers 13573, IZA Network @ LISER.
    9. Ferilli, Greta Benedetta & Palmieri, Egidio & Miani, Stefano & Stefanelli, Valeria, 2024. "The impact of FinTech innovation on digital financial literacy in Europe: Insights from the banking industry," Research in International Business and Finance, Elsevier, vol. 69(C).
    10. Roberto Alvarez & Alvaro Miranda & Jaime Ruiz-Tagle, 2023. "Whisper Words of Wisdom: How Financial Counseling can Reduce Delinquency in Consumer Loans," Working Papers wp552, University of Chile, Department of Economics.
    11. Gray, Daniel & Montagnoli, Alberto & Moro, Mirko, 2021. "Does education improve financial behaviors? Quasi-experimental evidence from Britain," Journal of Economic Behavior & Organization, Elsevier, vol. 183(C), pages 481-507.
    12. Jordi Brandts & Isabel Busom & Cristina Lopez-Mayan & Judith Panadés, 2023. "Images Say More than Just Words: Effectiveness of Visual and Text Communication in Dispelling the Rent-Control Misconception," CESifo Working Paper Series 10537, CESifo.
    13. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    14. Daniel Gray & Alberto Montagnoli & Mirko Moro, 2017. "Does education improve financial outcomes? Quasi-experimental evidence from Britain," Working Papers 2017010, The University of Sheffield, Department of Economics.
    15. Azlina Rahim & Vani Tanggamani & Hamidah Bani & Muhammad Syukri Abdullah & Mohd Mas Rizat Abdul Latif, 2024. "Community Leaders’ Financial Literacy Towards Sustainable Community in Malaysia," Information Management and Business Review, AMH International, vol. 16(4), pages 83-88.
    16. Katharina Hartinger & Erik Sarrazin & David J. Streich, 2025. "Banking for Boomers – A Field Experiment on Technology Adoption in Financial Services," Working Papers 2505, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 27 Mar 2025.
    17. Tim Kaiser & Lukas Menkhoff, 2022. "Active Learning Improves Financial Education: Experimental Evidence from Uganda," CESifo Working Paper Series 9661, CESifo.
    18. Matija Franklin & Tomas Folke & Kai Ruggeri, 2019. "Optimising nudges and boosts for financial decisions under uncertainty," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 5(1), pages 1-13, December.
    19. Kaiser, Tim & Menkhoff, Lukas, 2018. "Active Learning Improves Financial Education:," Rationality and Competition Discussion Paper Series 131, CRC TRR 190 Rationality and Competition.
    20. Oberrauch, Luis & Kaiser, Tim, 2024. "Digital Interventions to Increase Financial Knowledge: Evidence from a Pilot RCT," IZA Discussion Papers 16811, IZA Network @ LISER.
    21. Jabbari, Jason & Roll, Stephen & Bufe, Sam & McKay, Jessica, 2022. "“Take my word for it”: Group Texts and Testimonials Enhance State and Federal Student Aid Applications," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 98(C).
    22. Jordi Brandts & Isabel Busom & Cristina Lopez-Mayan & Judith Panadés, 2024. "Images say more than just words: visual versus text communication to dispel a rent-control misconception," Experimental Economics, Springer;Economic Science Association, vol. 27(2), pages 417-468, April.
    23. Alessio D'Ignazio & Ludovica Galotto & Daniela Marconi & Marco Panfili, 2025. "Reaching wide through small screens: the impact of a Banca d'Italia financial education TV campaign," Questioni di Economia e Finanza (Occasional Papers) 990, Bank of Italy, Economic Research and International Relations Area.
    24. Maya Haran Rosen & Orly Sade, 2017. "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy," Bank of Israel Working Papers 2017.10, Bank of Israel.
    25. Edward Hubbard & Percival Matthews & Anya Samek, 2016. "Using online compound interest tools to improve financial literacy," The Journal of Economic Education, Taylor & Francis Journals, vol. 47(2), pages 106-120, April.
    26. Jordi Brandts & Isabel Busom & Cristina Lopez-Mayan & Judith Panadés, 2022. "“Pictures are worth many words: Effectiveness of visual communication in dispelling the rent–control misconception”," AQR Working Papers 202202, University of Barcelona, Regional Quantitative Analysis Group, revised Feb 2022.
    27. Bruce Carlin & Arna Olafsson & Michaela Pagel, 2017. "FinTech Adoption Across Generations: Financial Fitness in the Information Age," NBER Working Papers 23798, National Bureau of Economic Research, Inc.
    28. Delis, Manthos & Galariotis, Emilios & Monne, Jerome, 2021. "Economic condition and financial cognition," Journal of Banking & Finance, Elsevier, vol. 123(C).
    29. Vladimir Ivanov & Elena Nikishina, 2025. "Applying Behavioural Economics to Promote Financial Literate Behaviour: An Overview of Studies," Russian Journal of Money and Finance, Bank of Russia, vol. 84(2), pages 89-112, June.
    30. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2024. "Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4203-4238, March.
    31. Litterscheidt, Rouven & Streich, David J., 2020. "Financial education and digital asset management: What's in the black box?," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 87(C).
    32. Harrison, Tina & Ansell, Jake & Boyd, D. Eric, 2026. "Financial information sources and their impact on the financial self-confidence gap between male and female young adult consumers," Journal of Business Research, Elsevier, vol. 205(C).
    33. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).
    34. Oberrauch, Luis & Kaiser, Tim, 2024. "Financial Education or Incentivizing Learning-By-Doing? Evidence from an RCT with Undergraduate Students," Journal of Behavioral and Experimental Finance, Elsevier, vol. 43(C).
    35. Lila Rabinovich & Francisco Perez-Arce, 2021. "Mixed-methods Study to Understand Use of the my Social Security Online Platform," Working Papers wp428, University of Michigan, Michigan Retirement Research Center.
    36. Laroze, Denise & Noussair, Charles N. & Fajardo, Gabriela & Quintanilla, Ximena & Granados-Zambrano, Paulina & Vallette, Pedro & López-Tapia, Mauricio, 2025. "Improving pension information: Experimental evidence on learning using online resources," Journal of Behavioral and Experimental Finance, Elsevier, vol. 46(C).
    37. Luis Oberrauch & Tim Kaiser, 2024. "Financial Education or Incentivizing Learning-by-Doing? Evidence from an RCT with Undergraduate Students," CESifo Working Paper Series 11187, CESifo.
    38. Lunn, Pete & Julienne, Hannah & Belton, Cameron & Timmons, Shane, 2022. "Understanding Solutions to Problem Debt: An Experimental Investigation," Papers WP726, Economic and Social Research Institute (ESRI).
    39. Laura Hueber & Rene Schwaiger, 2021. "Debiasing Through Experience Sampling: The Case of Myopic Loss Aversion," Working Papers 2021-01, Faculty of Economics and Statistics, Universität Innsbruck.
    40. Barthel, Anne-Christine & Lei, Shan, 2021. "Investment in financial literacy and financial advice-seeking: Substitutes or complements?," The Quarterly Review of Economics and Finance, Elsevier, vol. 81(C), pages 385-396.
    41. Calderone, Margherita & Fiala, Nathan & Mulaj, Florentina & Sadhu, Santadarshan & Sarr, Leopold, 2014. "When Can Financial Education Affect Savings Behavior? Evidence From A Randomized Experiment Among Low Income Clients of Branchless Banking in India," Working Papers 32, University of Connecticut, Department of Agricultural and Resource Economics, Charles J. Zwick Center for Food and Resource Policy.
    42. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    43. William L. Skimmyhorn & Evan R. Davies & David Mun & Brian Mitchell, 2016. "Assessing financial education methods: Principles vs. rules-of-thumb approaches," The Journal of Economic Education, Taylor & Francis Journals, vol. 47(3), pages 193-210, July.
    44. Tiina Koskelainen & Panu Kalmi & Eusebio Scornavacca & Tero Vartiainen, 2023. "Financial literacy in the digital age—A research agenda," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 507-528, January.
    45. Elisa Stumpf & Silke Uebelmesser, 2024. "Lifting the Veil of Ignorance – Survey Experiments on Preferences for Wealth Redistribution," CESifo Working Paper Series 11126, CESifo.
    46. Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi, 2014. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," NBER Working Papers 20618, National Bureau of Economic Research, Inc.
    47. Tim Kaiser & Lukas Menkhoff, 2018. "Active Learning Fosters Financial Behavior: Experimental Evidence," Discussion Papers of DIW Berlin 1743, DIW Berlin, German Institute for Economic Research.
    48. Anya Samek & Arie Kapteyn & Andre Gray, 2019. "Using Vignettes to Improve Understanding of Social Security and Annuities," NBER Working Papers 26176, National Bureau of Economic Research, Inc.
    49. Tim Kaiser & Lukas Menkhoff, 2016. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When?," Discussion Papers of DIW Berlin 1562, DIW Berlin, German Institute for Economic Research.
    50. Christine Laudenbach & Jenny Pirschel & Stephan Siegel, 2018. "Personal Communication in an Automated World: Evidence from Loan Repayments," CESifo Working Paper Series 7295, CESifo.
    51. Bradbury, Meike A.S. & Hens, Thorsten & Zeisberger, Stefan, 2019. "How persistent are the effects of experience sampling on investor behavior?," Journal of Banking & Finance, Elsevier, vol. 98(C), pages 61-79.
    52. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    53. Bussoli, Candida & Fattobene, Lucrezia, 2026. "Can you read this chart? Evidence from the U.S. on financial graph literacy and its impact on behaviour," International Review of Economics & Finance, Elsevier, vol. 106(C).

  26. Bucher-Koenen, Tabea & Lusardi, Annamaria & Alessie, Rob J. M. & Van Rooij, Maarten C. J., 2014. "How Financially Literate are Women? An Overview and New Insights," MEA discussion paper series 201419, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

    Cited by:

    1. Boggio, Cecilia & Coda Moscarola, Flavia & Gallice, Andrea, 2020. "What is good for the goose is good for the gander?," Economics of Education Review, Elsevier, vol. 75(C).
    2. Hu, Zihao & Zhang, Dong & Xiong, Xueping, 2025. "Motivation, cognition, and capacity: How income risk shapes retirement saving in an aging society," International Review of Economics & Finance, Elsevier, vol. 102(C).
    3. Ibrahim Arpaci & Omer Aslan & Mustafa Kevser, 2024. "Evaluating short- and long-term investment strategies: development and validation of the investment strategies scale (ISS)," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 10(1), pages 1-17, December.
    4. Shizuka Sekita & Vikas Kakkar & Masao Ogaki, 2018. "Wealth, Financial Literacy and Behavioral Biases: Evidence from Japan," Keio-IES Discussion Paper Series 2018-023, Institute for Economics Studies, Keio University.
    5. Salem, Razan, 2019. "Examining the investment behavior of Arab women in the stock market," Journal of Behavioral and Experimental Finance, Elsevier, vol. 22(C), pages 151-160.
    6. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    7. Yu, Shuang & Guo, Qiuyan & Liang, Yinhe, 2025. "The power of education: The intergenerational impact of children’s education on the poverty of Chinese older adults," International Journal of Educational Development, Elsevier, vol. 116(C).
    8. Maddalena Davoli & Uschi Backes-Gellner, 2024. "Unpacking Financial Literacy in Switzerland: Demographic Heterogeneity, Self-Perception Gaps, and Financial Fragility," Economics of Education Working Paper Series 0220, University of Zurich, Department of Business Administration (IBW).
    9. Susana Martínez-Rodríguez & Laura Lopez-Gomez, 2025. "How did historical trends impact women’s involvement in financial markets? Evidence from women shareholders in Spain (1918-1948)," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-12, December.
    10. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    11. Bannier, Christina E. & Schwarz, Milena, 2018. "Gender- and education-related effects of financial literacy and confidence on financial wealth," Journal of Economic Psychology, Elsevier, vol. 67(C), pages 66-86.
    12. Neubert, Milena & Bannier, Christina E., 2016. "Actual and perceived financial sophistication and wealth accumulation: The role of education and gender," VfS Annual Conference 2016 (Augsburg): Demographic Change 145593, Verein für Socialpolitik / German Economic Association.
    13. Casey J. Totenhagen & Melissa J. Wilmarth & Joyce Serido & Melissa A. Curran & Soyeon Shim, 2019. "Pathways from Financial Knowledge to Relationship Satisfaction: The Roles of Financial Behaviors, Perceived Shared Financial Values with the Romantic Partner, and Debt," Journal of Family and Economic Issues, Springer, vol. 40(3), pages 423-437, September.
    14. Kamila Duraj & Daniela Grunow & Michael Haliassos & Christine Laudenbach & Stephan Siegel, 2025. "Rethinking the Stock Market Participation Puzzle: A Qualitative Approach," CESifo Working Paper Series 11980, CESifo.
    15. Paladino, Giovanna, 2022. "Quanto conta il modo in cui viene posta la domanda? Un’analisi dell’effetto “framing” sul livello di alfabetizzazione finanziaria in Italia [Does the question wording matter? A study of the framing effect on financial literacy in Italy]," MPRA Paper 111527, University Library of Munich, Germany.
    16. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    17. Yang, Yunfan & Wu, Yueyue, 2021. "The Impact of Financial Literacy on China Rural Household Assets - Based on the Gender Differences," 2021 Conference, August 17-31, 2021, Virtual 315392, International Association of Agricultural Economists.
    18. Potrich, Ani Caroline Grigion & Vieira, Kelmara Mendes & Kirch, Guilherme, 2018. "How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences," Journal of Behavioral and Experimental Finance, Elsevier, vol. 17(C), pages 28-41.
    19. Tomasz Potocki & Sylwester Białowąs, 2023. "What Factors Predict a Positive Change in a Consumer’s Financial Capability over Time? The New Evidence from Poland," Journal of Family and Economic Issues, Springer, vol. 44(3), pages 634-654, September.
    20. Man Yao & Tori I. Rehr & Erica P. Regan, 2023. "Gender Differences in Financial Knowledge among College Students: Evidence from a Recent Multi-institutional Survey," Journal of Family and Economic Issues, Springer, vol. 44(3), pages 693-713, September.
    21. Angelici, Marta & Del Boca, Daniela & Oggero, Noemi & Profeta, Paola & Rossi, Mariacristina & Villosio, Claudia, 2020. "Pension Information and Women's Awareness," IZA Discussion Papers 13573, IZA Network @ LISER.
    22. Samira Ben Belgacem & Ghousia Khatoon & Dora Talbi & Abad Alzuman, 2024. "Reconnoitering FinTech's moderating effect on the determinants of women's financial literacy," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(2), pages 123-148, June.
    23. H. Kent Baker & Sweta Tomar & Satish Kumar & Deepak Verma, 2021. "Are Indian professional women financially literate and prepared for retirement?," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(4), pages 1416-1441, December.
    24. Dee Warmath & Genevieve Elizabeth O'Connor & Nancy Wong & Casey Newmeyer, 2022. "The role of social psychological factors in vulnerability to financial hardship," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(3), pages 1148-1177, September.
    25. Cupák, Andrej & Fessler, Pirmin & Schneebaum, Alyssa & Silgoner, Maria, 2018. "Decomposing gender gaps in financial literacy: New international evidence," Economics Letters, Elsevier, vol. 168(C), pages 102-106.
    26. Alison Preston & Robert E. Wright, 2023. "Gender, Financial Literacy and Pension Savings," The Economic Record, The Economic Society of Australia, vol. 99(324), pages 58-83, March.
    27. Lawrence, Edward R. & Nguyen, Thanh D. & Wick, Benedikt, 2024. "Gender difference in overconfidence and household financial literacy," Journal of Banking & Finance, Elsevier, vol. 166(C).
    28. Antonia Grohmann & Annekathrin Schoofs, 2018. "Financial Literacy and Intra-Household Decision Making: Evidence from Rwanda," Discussion Papers of DIW Berlin 1720, DIW Berlin, German Institute for Economic Research.
    29. Musah, Alhassan & Yakubu, Ibrahim Nandom & Abagna, Matthew Amalitinga, 2022. "Financial Literacy: A Peep into the Literature and Note for Policy," MPRA Paper 115703, University Library of Munich, Germany.
    30. M. M. Naeser Seldal & Ellen K. Nyhus, 2022. "Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies," Journal of Consumer Policy, Springer, vol. 45(2), pages 281-306, June.
    31. Claudia Curi & Andreas Dibiasi & Matteo Ploner & Mirco Tonin, 2026. "Gender Differences in Pension Investment: The Role of Biased Advice," BEMPS - Bozen Economics & Management Paper Series BEMPS118, Faculty of Economics and Management at the Free University of Bozen.
    32. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    33. van Dalen, Hendrik Peter & Henkens, K., 2022. "Trust and Distrust in Pension Providers in Times of Decline and Reform," Other publications TiSEM 430443a0-b060-42fd-ad9c-2, Tilburg University, School of Economics and Management.
    34. Inhwa Kim, 2024. "Dreaming for unveiling housing inequality: mortgage lending disparities within the heartland of America," SN Business & Economics, Springer, vol. 4(10), pages 1-54, October.
    35. van der Cruijsen, Carin & de Haan, Jakob & Jonker, Nicole, 2022. "Has the COVID-19 pandemic affected public trust? Evidence for the US and the Netherlands," Journal of Economic Behavior & Organization, Elsevier, vol. 200(C), pages 1010-1024.
    36. Adam Ndou, 2023. "Parental Financial Socialisation and Financial Knowledge: A Structural Equation Modelling Analysis," International Journal of Business and Economic Sciences Applied Research (IJBESAR), Democritus University of Thrace (DUTH), Kavala Campus, Greece, vol. 16(1), pages 27-39, October.
    37. Xiawei Tan & Zhineng Hu & Yongge Niu & Jiuping Xu, 2024. "Chinese College Student Financial Literacy: Knowledge, Attitude, and Behavior," SAGE Open, , vol. 14(3), pages 21582440241, August.
    38. Hanson, Thomas A. & Olson, Peter M., 2018. "Financial literacy and family communication patterns," Journal of Behavioral and Experimental Finance, Elsevier, vol. 19(C), pages 64-71.
    39. Nathan Blascak & Anna Tranfaglia, 2021. "Decomposing Gender Differences in Bankcard Credit Limits: Evidence from Sole Mortgage Applicants," Finance and Economics Discussion Series 2021-072r1, Board of Governors of the Federal Reserve System (U.S.), revised 23 Feb 2026.
    40. Bollen, Nicolas P.B. & Posavac, Steven, 2018. "Gender, risk tolerance, and false consensus in asset allocation recommendations," Journal of Banking & Finance, Elsevier, vol. 87(C), pages 304-317.
    41. Sunwoo T. Lee & Kyoung Tae Kim, 2022. "A Decomposition Analysis of Racial/Ethnic Differences in Financial Knowledge and Overconfidence," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 815-831, December.
    42. Hagen, Johannes & Malisa, Amedeus, 2022. "Financial fraud and individual investment behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 203(C), pages 593-626.
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    Cited by:

    1. Andrew Gill & Radha Bhattacharya, 2017. "The Interaction of Financial Attitudes and Financial Knowledge: Evidence for Low-Income Hispanic Families," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 45(4), pages 497-510, December.

  28. Annamaria Lusardi & Olivia S. Mitchell, 2013. "The Economic Importance of Financial Literacy: Theory and Evidence," CeRP Working Papers 134, Center for Research on Pensions and Welfare Policies, Turin (Italy).

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    1320. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    1321. Niessen-Ruenzi, Alexandra & Mueden, Vanessa & Zimmerer, Leah, 2025. "Financial socialization and the gender investment gap," ZEW Discussion Papers 25-063, ZEW - Leibniz Centre for European Economic Research.
    1322. Malik, Awais & Fürstenau, Bärbel, 2023. "Pictorial Representation of Abstract Financial Concepts to Foster Financial Literacy," MPRA Paper 119517, University Library of Munich, Germany.
    1323. Bertola, Giuseppe & Lo Prete, Anna, 2024. "Financial Literacy and Resilience when Survey Respondents Prefer Guessing to Admitting Ignorance," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202406, University of Turin.
    1324. Jing Jian Xiao & Chunsheng Tao, 2020. "Consumer finance/household finance: the definition and scope," China Finance Review International, Emerald Group Publishing Limited, vol. 11(1), pages 1-25, June.
    1325. Anthony Idoko Onoja, PhD & Ernest Adoba Onoja, 2026. "Towards a Mental Accounting Architecture of Household Savings (MAAHS): Conceptualizing Savings Behaviour among Low-Income Urban Households," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(6), pages 18455-18474, June.
    1326. Jinhee Kim & Mariana K. Falconier & C. Andrew Conway, 2023. "Relationships Among Emotion Regulation, Financial Self-Efficacy, and Financial Management Behaviors of Couples," Journal of Family and Economic Issues, Springer, vol. 44(2), pages 342-355, June.
    1327. Yu Zhang & Swarn Chatterjee, 2023. "Financial Well-Being in the United States: The Roles of Financial Literacy and Financial Stress," Sustainability, MDPI, vol. 15(5), pages 1-18, March.
    1328. Chaimaa LAAMIME & Karima MIALE, 2026. "Algorithmic overconfidence, financial literacy, and decision quality: comparative evidence from Morocco and France," Smart Cities and Regional Development (SCRD) Journal, Smart-EDU Hub, Faculty of Public Administration, National University of Political Studies & Public Administration, vol. 10(3), pages 35-49, july.
    1329. Lusardi, Annamaria & Mitchell, Olivia S & Oggero, Noemi, 2020. "Understanding Debt in the Older Population," CEPR Discussion Papers 15568, Centre for Economic Policy Research.
    1330. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes, 2021. "Measuring financial knowledge: a macroeconomic perspective," International Economics and Economic Policy, Springer, vol. 18(1), pages 177-222, February.
    1331. Paulo Pereira Silva & Victor Mendes, 2023. "Education and financial mistakes: The case of avoidable trading fees in stock markets," Portuguese Economic Journal, Springer;Instituto Superior de Economia e Gestao, vol. 22(2), pages 173-202, May.
    1332. Kyoung Tae Kim & Soo Hyun Cho & Jing Jian Xiao, 2023. "Is Ignorance Bliss? Use of Alternative Financial Services, Financial Knowledge, and Financial Anxiety," Journal of Family and Economic Issues, Springer, vol. 44(4), pages 956-967, December.
    1333. Christopher Henry & Matthew Shimoda & Julia Zhu, 2022. "2021 Methods-of-Payment Survey Report," Discussion Papers 2022-23, Bank of Canada.
    1334. Bucher-Koenen, Tabea & Janssen, Bennet & Knebel, Caroline & Tzamourani, Panagiota, 2023. "Financial literacy, stock market participation, and financial well-being in Germany," ZEW Discussion Papers 23-071, ZEW - Leibniz Centre for European Economic Research.
    1335. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    1336. Sebastian Heidel & Roland Happ, 2023. "Challenges in Understanding Western Economic and Financial Concepts from the Perspective of Young Adults with a Post-Soviet Migration Background in Germany—Findings from a Qualitative Interview Study," JRFM, MDPI, vol. 16(3), pages 1-21, March.
    1337. Eling, Martin, 2025. "Auswirkung von Künstlicher Intelligenz auf die Altersvorsorge," I.VW HSG Schriftenreihe, University of St.Gallen, Institute of Insurance Economics (I.VW-HSG), volume 72, number 334491.
    1338. Ariadna Hernández-Rivera, 2023. "Brecha de género en la confianza de productos y servicios financieros desde la perspectiva del comportamiento," Revista Finanzas y Politica Economica, Universidad Católica de Colombia, vol. 15(1), pages 245-273.
    1339. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
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    1384. Sara Lamboglia & Noemi Oggero & Mariacristina Rossi & Massimiliano Stacchini, 2024. "Financial knowledge and career aspirations among the young: a route to entrepreneurship," Questioni di Economia e Finanza (Occasional Papers) 838, Bank of Italy, Economic Research and International Relations Area.
    1385. Steffen Westermann & Scott J. Niblock & Jennifer L. Harrison & Michael A. Kortt, 2020. "Financial Advice Seeking: A Review of the Barriers and Benefits," Economic Papers, The Economic Society of Australia, vol. 39(4), pages 367-388, December.
    1386. Jing Jian Xiao & Kyoung Tae Kim & Sunwoo Lee, 2024. "Consumer Financial Capability and Financial Wellbeing; Multi-Year Analyses," Applied Research in Quality of Life, Springer;International Society for Quality-of-Life Studies, vol. 19(2), pages 547-580, April.
    1387. Andersen, Henrik Yde, 2018. "Do tax incentives for saving in pension accounts cause debt accumulation? Evidence from Danish register data," European Economic Review, Elsevier, vol. 106(C), pages 35-53.
    1388. Jung, Alexander & Mongelli, Francesco Paolo, 2025. "Central bank communication with non-experts: insights from a randomized field experiment," Working Paper Series 3103, European Central Bank.
    1389. Chen, Hua & Ding, Yugang & Wang, Xiangnan & Yang, Yifei, 2023. "The effect of public insurance policy on the private insurance market: New evidence from a quasi-experiment in China," Economic Analysis and Policy, Elsevier, vol. 78(C), pages 937-953.
    1390. Daud, Siti Nurazira Mohd & Ahmad, Abd Halim, 2023. "Financial inclusion, economic growth and the role of digital technology," Finance Research Letters, Elsevier, vol. 53(C).
    1391. Putra Hilmi Prayitno & Sheerad Sahid & Muhammad Hussin, 2022. "Social Capital and Household Economic Welfare: Do Entrepreneurship, Financial and Digital Literacy Matter?," Sustainability, MDPI, vol. 14(24), pages 1-16, December.
    1392. Gian-Luca GASPARINI & Aurora PROSPERO, 2019. "ICT and Ethical Finance: Fostering Social Innovation and Financial Inclusion," CIRIEC Working Papers 1911, CIRIEC - Université de Liège.
    1393. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).
    1394. Nur Diyana Yusoff & Shafinar Ismail & Noraznira Abd Razak & Nor Shahrina Mohd Rafien & Azreen Roslan, 2025. "Risk Tolerance and Financial Knowledge in Retirement Preparedness: A Conceptual Framework Based on Prospect Theory for Malaysia’s Low-Income Workers," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 5946-5962, September.
    1395. Garrod, Luke & Li, Ruochen & Russo, Antonio & Wilson, Chris M, 2024. "Understanding Cost Pass-Through when Prices are Dispersed," MPRA Paper 123285, University Library of Munich, Germany.
    1396. Kevin Davis, 2019. "The Hayne Royal Commission and financial sector misbehaviour: Lasting change or temporary fix?," The Economic and Labour Relations Review, , vol. 30(2), pages 200-221, June.
    1397. Anna (Ania) Zalewska, 2022. "Saving with Group or Individual Personal Pension Schemes: How Much Difference Does It Make?," Management Science, INFORMS, vol. 68(7), pages 5384-5402, July.
    1398. Ioannis Petrakis & Georgios A. Panos, 2025. "Pension Policy and Personal Finance: Defined-Contribution Plans and Retirement Strategies in the United Kingdom," Working Papers 2025_06, Business School - Economics, University of Glasgow.
    1399. Bussoli, Candida & Fattobene, Lucrezia, 2026. "Can you read this chart? Evidence from the U.S. on financial graph literacy and its impact on behaviour," International Review of Economics & Finance, Elsevier, vol. 106(C).
    1400. Xinyuan Zhang & Daniel Badulescu & Dorin-Paul Bac, 2025. "CEO Attributes and Sustainable Development Goals: Employing a Configurational Approach Under Stakeholder Pressure," Sustainability, MDPI, vol. 17(20), pages 1-33, October.
    1401. Mequanint B. Melesse & Amos Nyangira Tirra & Yabibal M. Walle & Michael Hauser, 2023. "Understanding the Determinants of Aspirations in Rural Tanzania: Does Financial Literacy Matter?," The European Journal of Development Research, Palgrave Macmillan;European Association of Development Research and Training Institutes (EADI), vol. 35(6), pages 1294-1321, December.
    1402. HanNa Lim & Su Hyun Shin & Hyunjung Ji, 2022. "The effect of natural disasters on household economic hardship during a pandemic," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(4), pages 1525-1560, December.
    1403. Siphelele Rulashe & Syden Mishi & Sibanisezwe Khumalo & Desiree Hunter, 2025. "An empirical assessment of financial prudence among South African individuals: investigating savings and investment behaviour," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 14(3), pages 265-280, April.
    1404. Elsa Fornero, 2014. "Economic-financial literacy and (sustainable) pension reforms: why the former is a key ingredient for the latter," CeRP Working Papers 144, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    1405. Daniela Balutel & Christopher Henry & Kim Huynh & Marcel Voia, 2022. "Cash in the Pocket, Cash in the Cloud: Cash Holdings of Bitcoin Owners," Staff Working Papers 22-26, Bank of Canada.
    1406. Elisa Birch & Alison Preston, 2021. "Women, COVID-19 and Superannuation," Australian Journal of Labour Economics (AJLE), Bankwest Curtin Economics Centre (BCEC), Curtin Business School, vol. 24(2), pages 175-198.
    1407. Muhammad Bilal Zafar, 2026. "Happiness, Economic Shocks, and Household Savings: A Multi-country Mixed-effects Analysis," Journal of Family and Economic Issues, Springer, vol. 47(1), pages 207-227, March.
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    1409. García, Gonzalo Llamosas & Pérez-Oleaga, Cristina Mazas, 2025. "What works in financial education? Experimental evidence on program impact," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 119(C).
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    1411. Mohamed Ali Shabeeb Ali & Mohammed Abdullah Ammer & Ibrahim A. Elshaer, 2022. "Determinants of Investment Awareness: A Moderating Structural Equation Modeling-Based Model in the Saudi Arabian Context," Mathematics, MDPI, vol. 10(20), pages 1-18, October.
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    1413. Cao, Xiao & Gong, Xiaomin & Zheng, Andi, 2025. "Trust and commercial insurance participation: An incomplete contract perspective," International Review of Economics & Finance, Elsevier, vol. 102(C).
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    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Luisa R. Blanco & O. Kenrik Duru & Carol M. Mangione, 2020. "A Community-Based Randomized Controlled Trial of an Educational Intervention to Promote Retirement Saving Among Hispanics," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 300-315, June.
    3. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    4. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.
    5. Bellocchi, Alessandro & Travaglini, Giuseppe, 2025. "Financial literacy and financial education: The role of irreversible costs," Economics Letters, Elsevier, vol. 247(C).
    6. Jane Brown & Anders Wäppling & Helen Woodruffe-Burton & Kate Black, 2017. "The orbit of consumer credit choices," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 22(2), pages 85-96, June.
    7. Lisa J. Dettling & Joanne W. Hsu, 2017. "Minimum Wages and Consumer Credit : Impacts on Access to Credit and Traditional and High-Cost Borrowing," Finance and Economics Discussion Series 2017-010, Board of Governors of the Federal Reserve System (U.S.).
    8. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    9. Zaheer Ahmed & Umara Noreen & Suresh A.L. Ramakrishnan & Dewi Fariha Binti Abdullah, 2021. "What explains the investment decision-making behaviour? The role of financial literacy and financial risk tolerance," Afro-Asian Journal of Finance and Accounting, Inderscience Enterprises Ltd, vol. 11(1), pages 1-19.
    10. Lin, Chaonan & Hsiao, Yu-Jen & Yeh, Cheng-Yung, 2017. "Financial literacy, financial advisors, and information sources on demand for life insurance," Pacific-Basin Finance Journal, Elsevier, vol. 43(C), pages 218-237.
    11. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    12. Kamer Karakurum-Ozdemir & Melike Kokkizil & Gokce Uysal, 2019. "Financial Literacy in Developing Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 143(1), pages 325-353, May.
    13. Marco Nieddu & Lorenzo Pandolfi, 2018. "Cutting Through the Fog: Financial Literacy and the Subjective Value of Financial Assets," CSEF Working Papers 497, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    14. Minchao Jin & Zibei Chen, 2020. "Comparing Financial Socialization and Formal Financial Education: Building Financial Capability," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 149(2), pages 641-656, June.
    15. G. Gulsun Akin & Ahmet Faruk Aysan & Sezgim Dasdogen & Levent Yildiran, 2019. "Credit Card Debt: Nescience or Necessity?," Working Papers 1315, Economic Research Forum, revised 21 Aug 2019.
    16. Albert Hizgilov & Jacques Silber, 2020. "On Multidimensional Approaches to Financial Literacy Measurement," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 148(3), pages 787-830, April.
    17. Angela C. Lyons & John E. Grable & Ting Zeng, 2019. "Impacts of Financial Literacy on the Loan Decisions of Financially Excluded Households in the People's Republic of China," ADBI Working Papers 923, Asian Development Bank Institute.
    18. Annamaria Lusardi & Olivia S. Mitchell, 2016. "Older Women’s Labor Market Attachment, Retirement Planning, and Household Debt," NBER Working Papers 22606, National Bureau of Economic Research, Inc.
    19. Jae Min Lee & Narang Park & Wookjae Heo, 2019. "Importance of Subjective Financial Knowledge and Perceived Credit Score in Payday Loan Use," IJFS, MDPI, vol. 7(3), pages 1-21, September.
    20. Kabir Dasgupta & Brenden J. Mason, 2019. "The Effect of Interest Rate Caps on Bankruptcy: Synthetic Control Evidence from Recent Payday Lending Bans," Working Papers 2019-04, Auckland University of Technology, Department of Economics.
    21. Zachary Bethune & Joaquín Saldain & Eric R. Young, 2024. "Consumer Credit Regulation and Lender Market Power," Staff Working Papers 24-36, Bank of Canada.
    22. Susanna Levantesi & Giulia Zacchia, 2021. "Machine Learning and Financial Literacy: An Exploration of Factors Influencing Financial Knowledge in Italy," JRFM, MDPI, vol. 14(3), pages 1-21, March.
    23. Callis, Zoe & Gerrans, Paul & Walker, Dana L. & Gignac, Gilles E., 2023. "The association between intelligence and financial literacy: A conceptual and meta-analytic review," Intelligence, Elsevier, vol. 100(C).
    24. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    25. Katharina Allinger & Elisabeth Beckmann, 2021. "Prevalence and determinants of nonbank borrowing in CESEE: evidence from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1/21, pages 7-35.
    26. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    27. Rendall, Stella & Brooks, Chris & Hillenbrand, Carola, 2021. "The impacts of emotions and personality on borrowers’ abilities to manage their debts," International Review of Financial Analysis, Elsevier, vol. 74(C).
    28. Bartkevičiūtė Gintarė & Gaigalienė Asta & Legenzova Renata, 2018. "The Assessment of Determinants of Credit Services’ Choices among Students," Management of Organizations: Systematic Research, Paradigm, vol. 79(1), pages 7-23, June.
    29. Aiba, Daiju & Odajima, Ken & Khou, Vouthy, 2018. "Foreign currency borrowing and risk-hedging behavior: Evidence from Cambodian households," Journal of Asian Economics, Elsevier, vol. 58(C), pages 19-35.
    30. Neeraj Gupta & Jitendra Mahakud, 2020. "CEO characteristics and bank performance: evidence from India," Managerial Auditing Journal, Emerald Group Publishing Limited, vol. 35(8), pages 1057-1093, August.
    31. Agarwal, Sumit & Chomsisengphet, Souphala & Zhang, Yunqi, 2017. "How does working in a finance profession affect mortgage delinquency?," Journal of Banking & Finance, Elsevier, vol. 78(C), pages 1-13.
    32. Beckmann, Elisabeth & Stix, Helmut, 2015. "Foreign currency borrowing and knowledge about exchange rate risk," Journal of Economic Behavior & Organization, Elsevier, vol. 112(C), pages 1-16.
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    35. Andrea Bacchiocchi & Federico Favaretto & Germana Giombini, 2025. "Balancing Interests: Economic Incentives in Financial Education for Households and Banks," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 515-545, July.
    36. Kyoung Tae Kim & Soo Hyun Cho & Jing Jian Xiao, 2023. "Is Ignorance Bliss? Use of Alternative Financial Services, Financial Knowledge, and Financial Anxiety," Journal of Family and Economic Issues, Springer, vol. 44(4), pages 956-967, December.
    37. Angela Boatman & Brent J. Evans, 2017. "How Financial Literacy, Federal Aid Knowledge, and Credit Market Experience Predict Loan Aversion for Education," The ANNALS of the American Academy of Political and Social Science, , vol. 671(1), pages 49-68, May.
    38. Craig Gundersen & David R. Just & Judith Bartfeld & J. Michael Collins, 2017. "Food Insecurity, Financial Shocks, and Financial Coping Strategies among Households with Elementary School Children in Wisconsin," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(3), pages 519-548, November.

  30. Annamaria Lusardi & Pierre-Carl Michaud & Olivia S. Mitchell, 2013. "Optimal Financial Knowledge and Wealth Inequality," CeRP Working Papers 133, Center for Research on Pensions and Welfare Policies, Turin (Italy).

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    2. Knüpfer, Samuli & Rantapuska, Elias & Sarvimäki, Matti, 2017. "Why does portfolio choice correlate across generations?," Bank of Finland Research Discussion Papers 25/2017, Bank of Finland.
    3. Rui Yao & Yilan Xu, 2015. "Chinese Urban Households’ Security Market Participation: Does Investment Knowledge and Having a Long-Term Plan Help?," Journal of Family and Economic Issues, Springer, vol. 36(3), pages 328-339, September.
    4. Mariacristina De Nardi & Giulio Fella, 2017. "Saving and Wealth Inequality," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 26, pages 280-300, October.
    5. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    6. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    7. Wang, Haining & Cheng, Zhiming & Smyth, Russell & Sun, Gong & Li, Jie & Wang, Wangshuai, 2022. "University education, homeownership and housing wealth," China Economic Review, Elsevier, vol. 71(C).
    8. Bianchi, Milo, 2017. "Financial Literacy and Portfolio Dynamics," TSE Working Papers 17-808, Toulouse School of Economics (TSE).
    9. Luc Arrondel & Marlene Haupt & María Jesús Mancebón & Gianni Nicolini & Manuel Wälti & Jasmira Wiersma, 2020. "Financial Literacy in Western Europe," PSE Working Papers halshs-03243830, HAL.
    10. Petar Peshev & Statty Stattev & Kristina Stefanova & Meglena Lazarova, 2019. "Financial Wealth Inequality Drivers in a Small EU Member Country: An Example from Bulgaria during the Period 2005-2017," Economic Studies journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 2, pages 41-72.
    11. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    12. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    13. Hee Jung Hong & Ian Fraser, 2021. "‘My Sport Won’t Pay the Bills Forever’: High-Performance Athletes’ Need for Financial Literacy and Self-Management," JRFM, MDPI, vol. 14(7), pages 1-16, July.
    14. Goda, Gopi Shah & Levy, Matthew R. & Manchester, Colleen Flaherty & Sojourner, Aaron & Tasoff, Joshua, 2020. "Who is a passive saver under opt-in and auto-enrollment?," Journal of Economic Behavior & Organization, Elsevier, vol. 173(C), pages 301-321.
    15. Shubin Wang & Junsheng Ha & Hakan Kalkavan & Serhat Yüksel & Hasan Dinçer, 2020. "IT2-Based Hybrid Approach for Sustainable Economic Equality: A Case of E7 Economies," SAGE Open, , vol. 10(2), pages 21582440209, May.
    16. Conrado Cuevas & Dan Bernhardt & Mario Sanclemente, 2023. "Followers of the pied piper of pensioners," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 56(4), pages 1517-1550, November.
    17. Benjian Wu & Yiyuan Rong & Xinyu Liang & Haibo Zhu & Xue Shi, 2024. "Can Land Transfer Alleviate Multidimensional Relative Poverty in Rural Areas?," Land, MDPI, vol. 13(11), pages 1-24, October.
    18. Pedro Salas-Rojo & Juan Gabriel Rodríguez, 2022. "Inheritances and wealth inequality: a machine learning approach," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 20(1), pages 27-51, March.
    19. Frisancho, Veronica & Herrera, Alejandro & Prina, Silvia, 2023. "Can a mobile-app-based behavioral intervention teach financial skills to youth? Experimental evidence from a financial diaries study," Journal of Economic Behavior & Organization, Elsevier, vol. 214(C), pages 595-614.
    20. Anna Lo Prete, 2018. "Inequality and the finance you know: does economic literacy matter?," Economia Politica: Journal of Analytical and Institutional Economics, Springer;Fondazione Edison, vol. 35(1), pages 183-205, April.
    21. Giorgio Calcagnini & Federico Favaretto & Germana Giombini & Fabio Tramontana, 2025. "Household Financial Fragility, Debt and Income in a Dynamic Model," Computational Economics, Springer;Society for Computational Economics, vol. 65(2), pages 963-988, February.
    22. Leora Klapper & Annamaria Lusardi, 2020. "Financial literacy and financial resilience: Evidence from around the world," Financial Management, Financial Management Association International, vol. 49(3), pages 589-614, September.
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    24. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
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    29. Angelici, Marta & Del Boca, Daniela & Oggero, Noemi & Profeta, Paola & Rossi, Mariacristina & Villosio, Claudia, 2020. "Pension Information and Women's Awareness," IZA Discussion Papers 13573, IZA Network @ LISER.
    30. Noritaka Maebayashi & Jumpei Tanaka, 2022. "Limited asset market participation and fiscal sustainability," Journal of Economics, Springer, vol. 137(1), pages 1-31, September.
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    32. Samira Ben Belgacem & Ghousia Khatoon & Dora Talbi & Abad Alzuman, 2024. "Reconnoitering FinTech's moderating effect on the determinants of women's financial literacy," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(2), pages 123-148, June.
    33. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim, 2020. "Financial Literacy, Risk and Time Preferences - Results from a Randomized Educational Intervention," CESifo Working Paper Series 8489, CESifo.
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    36. Jia Hou & Sebastian Schuler, 2022. "The nonlinear effect of financial literacy on wealth: evidence from Germany," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 49(3), pages 627-661, August.
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    41. Entorf, Horst & Hou, Jia, 2018. "Financial Education for the Disadvantaged? A Review," IZA Discussion Papers 11515, IZA Network @ LISER.
    42. Guangshun Xu & Lin Feng & Wenzheng Wang & Qiaohui Liang, 2024. "Digital Financial Literacy and Rural Income Inequality," SAGE Open, , vol. 14(3), pages 21582440241, September.
    43. Henri Njangang & Alim Beleck & Sosson Tadadjeu & Brice Kamguia, 2021. "Do ICTs drive wealth inequality? Evidence from a dynamic panel analysis," Working Papers 21/057, European Xtramile Centre of African Studies (EXCAS).
    44. Shafic Mujabi & Mahadih Kyambade & Yusuf Waiswa & Eldred Kyomuhanji Manyindo & Massy Nabasirye, 2025. "When borrowers choose the worst credit sources; borrower cognitive ability and credit decision rationality in the context of informal credit sector in Uganda," SN Business & Economics, Springer, vol. 5(6), pages 1-23, June.
    45. Agarwalla, Sobhesh Kumar & Barua, Samir K. & Jacob, Joshy & Varma, Jayanth R., 2015. "Financial Literacy among Working Young in Urban India," World Development, Elsevier, vol. 67(C), pages 101-109.
    46. Stefanie Stantcheva, 2020. "Understanding Tax Policy: How Do People Reason?," NBER Working Papers 27699, National Bureau of Economic Research, Inc.
    47. Marie Ryan & Huanhuan Xiong & Fergal Carton & JB Mc Carthy, 2026. "The Squeezed Middle in Digital Financial Services: Ireland's Warning for European Consumer Protection Policy," Journal of Consumer Policy, Springer, vol. 49(1), pages 1-28, March.
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    49. Bucci, Alberto & Calcagno, Riccardo & Marsiglio, Simone & Sequeira, Tiago Neves, 2025. "Financial literacy, human capital and long-run economic growth," The North American Journal of Economics and Finance, Elsevier, vol. 80(C).
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    63. Sunwoo T. Lee & Kyoung Tae Kim, 2022. "A Decomposition Analysis of Racial/Ethnic Differences in Financial Knowledge and Overconfidence," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 815-831, December.
    64. Johnson Antwi & Cephas B. Naanwaab, 2022. "Generational Differences, Risk Tolerance, and Ownership of Financial Securities: Evidence from the United States," IJFS, MDPI, vol. 10(2), pages 1-17, May.
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    235. Robert Clark & Annamaria Lusardi & Olivia S. Mitchell, 2017. "Employee Financial Literacy And Retirement Plan Behavior: A Case Study," Economic Inquiry, Western Economic Association International, vol. 55(1), pages 248-259, January.
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    239. Sara Lamboglia & Noemi Oggero & Mariacristina Rossi & Massimiliano Stacchini, 2024. "Financial knowledge and career aspirations among the young: a route to entrepreneurship," Questioni di Economia e Finanza (Occasional Papers) 838, Bank of Italy, Economic Research and International Relations Area.
    240. Peng Peng & Hui Mao, 2023. "The Effect of Digital Financial Inclusion on Relative Poverty Among Urban Households: A Case Study on China," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 165(2), pages 377-407, January.
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    242. Fabrizio Mazzonna & Franco Peracchi, 2018. "Self-assessed cognitive ability and financial wealth: Are people aware of their cognitive decline?," EIEF Working Papers Series 1808, Einaudi Institute for Economics and Finance (EIEF), revised Sep 2018.
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    244. Ree Chan Ho & Muslim Amin, 2023. "Exploring the role of commitment in potential absorptive capacity and its impact on new financial product knowledge: a social media banking perspective," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(3), pages 585-598, September.
    245. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.
    246. Steenbrink, Rachel & Skali, Ahmed, 2026. "Wealth inequality and economic growth: Evidence from the World Inequality Database," World Development, Elsevier, vol. 199(C).
    247. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).
    248. Yunke Deng & Haixin Tao & Bolun Yao & Xuezhu Shi, 2025. "The Impact of Digital Infrastructure on Rural Household Financial Vulnerability: A Quasi-Natural Experiment from the Broadband China Strategy," Sustainability, MDPI, vol. 17(5), pages 1-25, February.

  31. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Begley, Jaclene & Chan, Sewin, 2018. "The effect of housing wealth shocks on work and retirement decisions," Regional Science and Urban Economics, Elsevier, vol. 73(C), pages 180-195.
    2. Wan Mashumi Wan Mustafa & Md Aminul Islam & Md. Sharif Hassan & Muhammad Asyraf Mohd Kassim, 2025. "The dynamics of financial retirement planning: financial attitude, health literacy, and the role of financial advisors with financial literacy as a moderator," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(1), pages 1-16, March.
    3. Sommarat Chantarat & Atchana Lamsam & Krislert Samphantharak & Bhumjai Tangsawasdirat, 2018. "Household Debt and Delinquency over the Life Cycle," PIER Discussion Papers 94, Puey Ungphakorn Institute for Economic Research.
    4. Wan Mashumi Wan Mustafa & Md. Aminul Islam & Muhammad Asyraf & Md. Sharif Hassan & Pradip Royhan & Shafiqur Rahman, 2023. "The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor," Sustainability, MDPI, vol. 15(3), pages 1-17, February.

  32. Annamaria Lusardi, 2012. "Numeracy, financial literacy, and financial decision-making," NBER Working Papers 17821, National Bureau of Economic Research, Inc.

    Cited by:

    1. Sérgio Almeida De Sousa & Marcos De Almeida Rangel, 2014. "Do As I Do, Not As I Say: Incentivization And The Relationship Between Cognitive Ability And Riskaversion," Anais do XL Encontro Nacional de Economia [Proceedings of the 40th Brazilian Economics Meeting] 126, ANPEC - Associação Nacional dos Centros de Pós-Graduação em Economia [Brazilian Association of Graduate Programs in Economics].
    2. Adam Butt & Gaurav Khemka & William Lim & Geoffrey J. Warren & Shang Wu, 2026. "Investment option switching behaviour and impact for pension fund members around the COVID pandemic," Australian Journal of Management, Australian School of Business, vol. 51(2), pages 386-415, May.
    3. Luigi Guiso & Eliana Viviano, 2015. "How Much Can Financial Literacy Help?," Review of Finance, European Finance Association, vol. 19(4), pages 1347-1382.
    4. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    5. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.
    6. Gjoni, Albana & Fejzaj, Elona & Pomianek, Iwona & Muça, Etleva, 2026. "The Impact Of Financial Literacy On Financial Inclusion Among Farmers In Albania," Roczniki (Annals), Polish Association of Agricultural Economists and Agribusiness - Stowarzyszenie Ekonomistow Rolnictwa e Agrobiznesu (SERiA), vol. 2026(1).
    7. Davoli, Maddalena & Rodríguez-Planas, Núria, 2021. "Preferences, Financial Literacy, and Economic Development," IZA Discussion Papers 14759, IZA Network @ LISER.
    8. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    9. Wirawan Endro Dwi RADIANTO & Tommy Christian EFRATA & Liliana DEWI, 2019. "Impact of Family’s Socio-Economic Context on Financial Literacy of Young Entrepreneurs," Expert Journal of Business and Management, Sprint Investify, vol. 7(2), pages 230-235.
    10. Naijie Guan & Alessandra Guariglia & Patrick Moore & Hareth Al-Janabi, 2024. "Financial Literacy and Mental Health: Empirical Evidence from China," Applied Health Economics and Health Policy, Springer, vol. 22(6), pages 833-847, November.
    11. Hjertstrand, Per & Proctor, Andrew & Westerlund, Joakim, 2025. "A Simplified Klein–Spady Estimator for Binary Choice Models," Working Paper Series 1535, Research Institute of Industrial Economics.
    12. Erik Gråd & Anna Kristina Edenbrandt & Alexander Eriksson & Emilia Mattsson & Jens Rommel, 2026. "Realtor Forecasting Accuracy on Homebuyer Preferences for Energy Efficiency," Environmental & Resource Economics, Springer;European Association of Environmental and Resource Economists, vol. 89(6), pages 1-31, June.
    13. Hermansson, Cecilia, 2018. "Can self-assessed financial risk measures explain and predict bank customers’ objective financial risk?," Journal of Economic Behavior & Organization, Elsevier, vol. 148(C), pages 226-240.
    14. Zaheer Ahmed & Umara Noreen & Suresh A.L. Ramakrishnan & Dewi Fariha Binti Abdullah, 2021. "What explains the investment decision-making behaviour? The role of financial literacy and financial risk tolerance," Afro-Asian Journal of Finance and Accounting, Inderscience Enterprises Ltd, vol. 11(1), pages 1-19.
    15. Sara Lamboglia & Massimiliano Stacchini, 2023. "On the drivers of financial literacy: the role of intergenerational mobility," Questioni di Economia e Finanza (Occasional Papers) 766, Bank of Italy, Economic Research and International Relations Area.
    16. Lin, Chaonan & Hsiao, Yu-Jen & Yeh, Cheng-Yung, 2017. "Financial literacy, financial advisors, and information sources on demand for life insurance," Pacific-Basin Finance Journal, Elsevier, vol. 43(C), pages 218-237.
    17. Almeida, Sergio, 2019. "Do as I Do, Not as I Say: Incentivization and the Relationship Between Cognitive Ability and Risk Aversion," Revista Brasileira de Economia - RBE, EPGE Brazilian School of Economics and Finance - FGV EPGE (Brazil), vol. 73(4), December.
    18. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    19. Zheng, Hairong & Li, Qinghai & Xia, Chuanxin, 2024. "Does financial literacy contribute to facilitating residents in safeguarding their rights as financial consumers?A three-stage study based on the perspective of “fraud” phenomenon," International Review of Economics & Finance, Elsevier, vol. 93(PA), pages 720-735.
    20. Bomi Nomlala, 2021. "Financial Socialisation of Accounting Students in South Africa," International Journal of Finance & Banking Studies, Center for the Strategic Studies in Business and Finance, vol. 10(2), pages 01-15, April.
    21. Klein, Galit & Shtudiner, Zeev & Zwilling, Moti, 2021. "Uncovering gender bias in attitudes towards financial advisors," Journal of Economic Behavior & Organization, Elsevier, vol. 189(C), pages 257-273.
    22. Bechly, Paul, 2018. "An Examination of Demographic Differences in Obtaining Investment and Financial Planning Information," MPRA Paper 107181, University Library of Munich, Germany, revised 13 May 2019.
    23. Daniel E. Chavez & Marco A. Palma & Rodolfo M. Nayga Jr., 2019. "When Does Real Become Consequential in Non-hypothetical Choice Experiments?," Working Papers 20190306-001, Texas A&M University, Department of Economics.
    24. Lu Fan, 2021. "A Conceptual Framework of Financial Advice-Seeking and Short- and Long-Term Financial Behaviors: An Age Comparison," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 90-112, March.
    25. Tang, Ning, 2021. "Cognitive abilities, self-efficacy, and financial behavior," Journal of Economic Psychology, Elsevier, vol. 87(C).
    26. Naznin Sultana Chaity & Shahriar Bin Kabir & Parul Akhter & Rifat Parveen Bokhari, 2024. "How Financial Literacy Impacts Financial Well-Being: The Influence of Financial and Technical Efficacy," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(2), pages 207-217, March.
    27. Noviarini, Jelita & Coleman, Andrew & Roberts, Helen & Whiting, Rosalind H., 2023. "Financial literacy and retirees' resource allocation decisions in New Zealand," Pacific-Basin Finance Journal, Elsevier, vol. 79(C).
    28. Catalina Estrada‐Mejia & Ellen Peters & Nathan F. Dieckmann & Marcel Zeelenberg & Marieke De Vries & David P. Baker, 2020. "Schooling, numeracy, and wealth accumulation: A study involving an agrarian population," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(2), pages 648-674, June.
    29. Almenberg, Johan & Dreber, Anna, 2015. "Gender, stock market participation and financial literacy," Economics Letters, Elsevier, vol. 137(C), pages 140-142.
    30. Paul Gerrans & Richard Heaney, 2019. "The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 59(1), pages 177-217, March.
    31. Ullah, Rafid & Ismail, Hishamuddin Bin & Islam Khan, Mohammad Tariqul & Zeb, Ali, 2024. "Nexus between Chat GPT usage dimensions and investment decisions making in Pakistan: Moderating role of financial literacy," Technology in Society, Elsevier, vol. 76(C).
    32. Kenneth De Beckker & Kristof De Witte & Geert Van Campenhout, 2020. "The role of national culture in financial literacy: Cross‐country evidence," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 912-930, September.
    33. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    34. Ryan M. Goodstein, 2014. "Refinancing Trends among Lower Income and Minority Homeowners during the Housing Boom and Bust," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(3), pages 690-723, September.
    35. Lanciano, Edoardo & Previati, Daniele & Ricci, Ornella & Santilli, Gianluca, 2025. "Financial literacy and sustainable finance decisions among Italian households," Journal of Economics and Business, Elsevier, vol. 134.
    36. Elizabeth Lyon & J. R. Catlin, 2020. "Consumer Misconceptions about Tax Laws: Results from a Survey in the United States," Journal of Consumer Policy, Springer, vol. 43(4), pages 807-828, December.
    37. Lindiwe Ngcobo, 2021. "Financial Literacy and Stokvels Savings of Low-Income Households in South Africa," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(4), pages 130-139.
    38. Jiří Pospíšil & Nataša Matulayová & Pavla Macháčková & Pavlína Jurníčková & Ivana Olecká & Helena Pospíšilová, 2021. "Value-Based Financial Risk Prediction Model," Risks, MDPI, vol. 9(11), pages 1-24, November.
    39. Pankaj Kumar & Pardeep Ahlawat & Aarti Deveshwar & Mahender Yadav, 2025. "Do Villagers’ Financial Socialization, Financial Literacy, Financial Attitude, and Financial Behavior Predict Their Financial Well-Being? Evidence from an Emerging India," Journal of Family and Economic Issues, Springer, vol. 46(3), pages 802-820, September.
    40. Kim, Amee & Vanheusden, Frederique J. & Rashid, Mamunur, 2025. "Factors affecting UK household financial risk-taking and their implications for consumption of financial investments," International Review of Economics & Finance, Elsevier, vol. 103(C).
    41. Sara Lamboglia & Massimiliano Stacchini, 2022. "Financial literacy, numeracy and schooling: evidence from developed countries," Questioni di Economia e Finanza (Occasional Papers) 722, Bank of Italy, Economic Research and International Relations Area.
    42. Mohammad Nuruzzaman Khan & Ilyan Ferrer & Yeonjung Lee & Rochelle Deloria & Kaltrina Kusari & Lauren Migrino & Karla Danan & Jenny Yen, 2023. "“We’re Always Looking at the Dollars and cents”: The Financial well-being of Racialized Older Immigrants in Canada Through the lens of Service Providers," Journal of Family and Economic Issues, Springer, vol. 44(4), pages 1023-1035, December.
    43. Xiao Ling & Luanfeng Wang & Yuxi Pan & Yanchao Feng, 2023. "The Impact of Financial Literacy on Household Health Investment: Empirical Evidence from China," IJERPH, MDPI, vol. 20(3), pages 1-23, January.
    44. Elisa Darriet & Marianne Guille & Jean-Christophe Vergnaud & Mariko Shimizu, 2020. "Money illusion, financial literacy and numeracy: experimental evidence," Post-Print hal-02310038, HAL.
    45. Hermansson, Cecilia & Jonsson, Sara & Liu, Lu, 2022. "The medium is the message: Learning channels, financial literacy, and stock market participation," International Review of Financial Analysis, Elsevier, vol. 79(C).
    46. Li, Peng & Li, Qinghai & Du, Shanxing, 2024. "Does digital literacy help residents avoid becoming victims of frauds? Empirical evidence based on a survey of residents in six provinces of east China," International Review of Economics & Finance, Elsevier, vol. 91(C), pages 364-377.
    47. Roberto Casarin & Niccolò Casnici & Pierpaolo Dondio & Flaminio Squazzoni, 2015. "Back to Basics! The Educational Gap of Online Investors and the Conundrum of Virtual Communities," Journal of Financial Management, Markets and Institutions, Società editrice il Mulino, issue 1, pages 51-69, June.
    48. Hermansson, Cecilia & Jonsson, Sara, 2021. "The impact of financial literacy and financial interest on risk tolerance," Journal of Behavioral and Experimental Finance, Elsevier, vol. 29(C).
    49. Sigurdur Gudjonsson & Inga Minelgaite & Kari Kristinsson & Sigrún Pálsdóttir, 2022. "Financial Literacy and Gender Differences: Women Choose People While Men Choose Things?," Administrative Sciences, MDPI, vol. 12(4), pages 1-9, November.
    50. Tyrowicz, Joanna, 2020. "Are incentivized old-age savings schemes effective under incomplete rationality?," VfS Annual Conference 2020 (Virtual Conference): Gender Economics 224526, Verein für Socialpolitik / German Economic Association.
    51. Vyacheslav Mikhed & Barry Scholnick, 2014. "Financial benefits, travel costs, and bankruptcy," Working Papers 14-18, Federal Reserve Bank of Philadelphia.
    52. Skagerlund, Kenny & Lind, Thérèse & Strömbäck, Camilla & Tinghög, Gustav & Västfjäll, Daniel, 2018. "Financial literacy and the role of numeracy–How individuals’ attitude and affinity with numbers influence financial literacy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 74(C), pages 18-25.
    53. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    54. Cäzilia Loibl & Alec P. Rhodes & Stephanie Moulton & Donald Haurin & Chrisse Edmunds, 2022. "Food insecurity among older adults in the U.S.: The role of mortgage borrowing," Applied Economic Perspectives and Policy, John Wiley & Sons, vol. 44(2), pages 549-574, June.
    55. Martins, Lurdes & Szrek, Helena, 2019. "The impact of the decision environment on consumer choice of mobile service plans: An experimental examination," Utilities Policy, Elsevier, vol. 56(C), pages 20-32.
    56. de Almeida, Filipa & Scott, Ian J. & Soro, Jerônimo C. & Fernandes, Daniel & Amaral, André R. & Catarino, Mafalda L. & Arêde, André & Ferreira, Mário B., 2024. "Financial scarcity and cognitive performance: A meta-analysis," Journal of Economic Psychology, Elsevier, vol. 101(C).
    57. Karthikeyan Shanmugam & Vijayabanu Chidambaram & Satyanarayana Parayitam, 2023. "Relationship Between Big-Five Personality Traits, Financial Literacy and Risk Propensity: Evidence from India," IIM Kozhikode Society & Management Review, , vol. 12(1), pages 85-101, January.
    58. Noviarini, Jelita & Coleman, Andrew & Roberts, Helen & Whiting, Rosalind H., 2021. "Financial literacy, debt, risk tolerance and retirement preparedness: Evidence from New Zealand," Pacific-Basin Finance Journal, Elsevier, vol. 68(C).
    59. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    60. Ellen Peters & Brittany Shoots-Reinhard & Mary Kate Tompkins & Dan Schley & Louise Meilleur & Aleksander Sinayev & Martin Tusler & Laura Wagner & Jennifer Crocker, 2017. "Improving numeracy through values affirmation enhances decision and STEM outcomes," PLOS ONE, Public Library of Science, vol. 12(7), pages 1-19, July.
    61. Bingzheng Chen & Ze Chen, 2023. "Financial Literacy Confidence and Retirement Planning: Evidence from China," Risks, MDPI, vol. 11(2), pages 1-14, February.
    62. Andreas Kraitzek & Manuel Förster, 2023. "Measurement of Financial Competence—Designing a Complex Framework Model for a Complex Assessment Instrument," JRFM, MDPI, vol. 16(4), pages 1-28, April.
    63. Basha, Shabeen Afsar & Bennasr, Hamdi & Goaied, Mohamed, 2023. "Financial literacy, financial development, and leverage of small firms," International Review of Financial Analysis, Elsevier, vol. 86(C).
    64. Davoli, Maddalena & Hou, Jia, 2018. "Financial literacy and socialist education: Lessons from the German reunification," SAFE Working Paper Series 217, Leibniz Institute for Financial Research SAFE.
    65. Jamie Wagner & William B. Walstad, 2023. "Gender Differences in Financial Decision-Making and Behaviors in Single and Joint Households," The American Economist, Sage Publications, vol. 68(1), pages 5-23, March.
    66. Brüggen, Elisabeth C. & Hogreve, Jens & Holmlund, Maria & Kabadayi, Sertan & Löfgren, Martin, 2017. "Financial well-being: A conceptualization and research agenda," Journal of Business Research, Elsevier, vol. 79(C), pages 228-237.
    67. Korkmaz, Aslihan Gizem & Yin, Zhichao & Yue, Pengpeng & Zhou, Haigang, 2021. "Does financial literacy alleviate risk attitude and risk behavior inconsistency?," International Review of Economics & Finance, Elsevier, vol. 74(C), pages 293-310.
    68. Vivian A. Dzokoto & John Kojo Aggrey & Hortance Houngbeke & Edwin Clifford Mensah, 2018. "Exploring Knowledge Gaps and Financial Exclusion in Ghanaian Monetary Transitions," Journal of Information & Knowledge Management (JIKM), World Scientific Publishing Co. Pte. Ltd., vol. 17(03), pages 1-25, September.
    69. Maria Rosa Intansari & Supramono Supramono, 2022. "The Effect of Tax Literacy on Tax Compliance: The Moderating Role of Patriotism," Technium Social Sciences Journal, Technium Science, vol. 34(1), pages 455-464, August.
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    73. Umer Mushtaq Lone & Suhail Ahmad Bhat, 2024. "Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 122-137, March.
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  33. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2012. "Financial Sophistication in the Older Population," NBER Working Papers 17863, National Bureau of Economic Research, Inc.

    Cited by:

    1. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.
    2. Vicki L. Bogan & Angela R. Fertig, 2018. "Mental health and retirement savings: Confounding issues with compounding interest," Health Economics, John Wiley & Sons, Ltd., vol. 27(2), pages 404-425, February.
    3. Annamaria Lusardi & Carlo de Bassa Scheresberg, 2013. "Financial Literacy and High-Cost Borrowing in the United States," NBER Working Papers 18969, National Bureau of Economic Research, Inc.
    4. Annamaria Lusardi & Olivia S. Mitchell, 2013. "The Economic Importance of Financial Literacy: Theory and Evidence," NBER Working Papers 18952, National Bureau of Economic Research, Inc.
    5. Haziza, Mor M. & Kalay, Avner, 2020. "Trust and delegation: A case to consider on broker rebates and investor sophistication," Journal of Financial Markets, Elsevier, vol. 49(C).
    6. Mahnaz Mahdavi & Nicholas J. Horton, 2014. "Financial Knowledge among Educated Women: Room for Improvement," Journal of Consumer Affairs, Wiley Blackwell, vol. 48(2), pages 403-417, June.
    7. Rink, Ute & Walle, Yabibal M. & Klasen, Stephan, 2021. "The financial literacy gender gap and the role of culture," The Quarterly Review of Economics and Finance, Elsevier, vol. 80(C), pages 117-134.
    8. Hazel Bateman & Christine Eckert & John Geweke & Jordan Louviere & Stephen Satchell & Susan Thorp, 2016. "Risk Presentation and Portfolio Choice," Review of Finance, European Finance Association, vol. 20(1), pages 201-229.
    9. Raquel Fonseca & Simon Lord, 2020. "Canadian Gender Gap in Financial Literacy: Confidence Matters," Hacienda Pública Española / Review of Public Economics, IEF, vol. 235(4), pages 153-182, December.
    10. Martie Gillen & Hongwei Yang & Hyungsoo Kim, 2020. "Health Literacy and Difference in Current Wealth Among Middle-Aged and Older Adults," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 281-299, June.
    11. Sigurdur Gudjonsson & Inga Minelgaite & Kari Kristinsson & Sigrún Pálsdóttir, 2022. "Financial Literacy and Gender Differences: Women Choose People While Men Choose Things?," Administrative Sciences, MDPI, vol. 12(4), pages 1-9, November.
    12. Luc Arrondel & Debbich, M. & Frédérique Savignac, 2013. "Financial Literacy and Financial Planning in France," Working papers 465, Banque de France.
    13. Shulin Xu & Kangqi Jiang, 2024. "Knowledge creates value: the role of financial literacy in entrepreneurial behavior," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-17, December.
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    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Pitthan, Francisco & De Witte, Kristof, 2021. "Puzzles of insurance demand and its biases: A survey on the role of behavioural biases and financial literacy on insurance demand," Journal of Behavioral and Experimental Finance, Elsevier, vol. 30(C).
    3. Paladino, Giovanna, 2022. "Quanto conta il modo in cui viene posta la domanda? Un’analisi dell’effetto “framing” sul livello di alfabetizzazione finanziaria in Italia [Does the question wording matter? A study of the framing effect on financial literacy in Italy]," MPRA Paper 111527, University Library of Munich, Germany.
    4. Maria Semenova & Victoria Rodina, 2013. "Informal loans in Russia: credit rationing or borrower’s choice?," HSE Working papers WP BRP 14/FE/2013, National Research University Higher School of Economics.
    5. Nicholas Reinholtz & Philip M. Fernbach & Bart de Langhe, 2021. "Do People Understand the Benefit of Diversification?," Management Science, INFORMS, vol. 67(12), pages 7322-7343, December.
    6. Elisabeth Beckmann & Christa Hainz & Sarah Reiter, 2022. "Third-Party Loan Guarantees: Measuring Literacy and its Effect on Financial Decisions (Elisabeth Beckmann, Christa Hainz, Sarah Reiter)," Working Papers 237, Oesterreichische Nationalbank (Austrian Central Bank).
    7. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
    8. Ágnes Csiszárik-Kocsir & Mónika Garai-Fodor, 2018. "Why Is It Important To Learn Finances? Results Based On The Opinion Of Z Generation," Poslovna izvrsnost-Business Excellence, University of Zagreb Faculty of Economics & Business, vol. 12(2), pages 41-57.
    9. Ali Raza & Umair Kashif & Tamar Papiashvili & Vasilii Erokhin & Ahmad A. A. Fadol, 2025. "Hesitant Fuzzy Entropy Analysis of Financial Literacy and Micro-credit Accessibility of Pakistani Farmers: A Bankers’ Perspective," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 16(3), pages 12727-12763, September.
    10. Sonali Bhattacharya & Aradhana Gandhi, 2021. "Does India Want to Invest in Its Daughters: A Critical Analysis of Sukanya Samriddhi Yojana," Business Perspectives and Research, , vol. 9(3), pages 399-414, September.
    11. Paola Bongini & Paolo Trivellato & Mariangela Zenga, 2015. "Business Students and Financial Literacy: When Will the Gender Gap Fade away?," Journal of Financial Management, Markets and Institutions, Società editrice il Mulino, issue 1, pages 13-30, June.
    12. Béres, Dániel & Huzdik, Katalin, 2012. "Financial Literacy and Macro-economics," Public Finance Quarterly, Corvinus University of Budapest, vol. 57(3), pages 298-312.
    13. Iman Widhiyanto & Nunung Nuryartono & Harianto Harianto & Hermanto Siregar, 2018. "The Analysis of Farmers' Financial Literacy and its' Impact on Microcredit Accessibility with Interest Subsidy on Agricultural Sector," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 8(3), pages 148-159.
    14. World Bank Group, 2014. "Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment," World Bank Publications - Reports 19977, The World Bank Group.
    15. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2013. "Financial literacy and its consequences: Evidence from Russia during the financial crisis," Journal of Banking & Finance, Elsevier, vol. 37(10), pages 3904-3923.
    16. María José Roa & Ignacio Garrón & Jonathan Barboza, 2018. "The Role of Cognitive Characteristics, Personality Traits, and Financial Literacy in Financial Decision Making," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 7, pages 193-244, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    17. Bruhn, Miriam & Zia, Bilal, 2011. "Stimulating managerial capital in emerging markets : the impact of business and financial literacy for young entrepreneurs," Policy Research Working Paper Series 5642, The World Bank.
    18. Karthik Reddy & Moritz Schularick & Vasiliki Skreta, 2020. "Immunity," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 61(2), pages 531-564, May.
      • Karthik Reddy & Moritz Schularick & Vasiliki Skreta, 2013. "Immunity," Working Papers 13-04, New York University, Leonard N. Stern School of Business, Department of Economics.
      • Karthik Reddy & Moritz Schularick & Vasiliki Skreta, 2013. "Immunity," CESifo Working Paper Series 4445, CESifo.
      • Karthik Reddy & Moritz Schularick & Vasiliki Skreta, 2012. "Immunity," Working Papers 12-17, New York University, Leonard N. Stern School of Business, Department of Economics.
    19. Irina Kunovskaya & Brenda Cude & Natalia Alexeev, 2014. "Evaluation of a Financial Literacy Test Using Classical Test Theory and Item Response Theory," Journal of Family and Economic Issues, Springer, vol. 35(4), pages 516-531, December.
    20. Pirmin Fessler & Maria Silgoner & Rosa Weber, 2020. "Financial knowledge, attitude and behavior: evidence from the Austrian Survey of Financial Literacy," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 47(4), pages 929-947, November.
    21. Sonia Buchholtz & Joanna Rutecka-Gora, 2021. "The Impact of Framing and Anchoring on Postponing Labour Market Exit – Evidence from Polish NDC+FDC Pension Scheme," European Research Studies Journal, European Research Studies Journal, vol. 0(2 - Part ), pages 122-138.
    22. Albert Hizgilov & Jacques Silber, 2020. "On Multidimensional Approaches to Financial Literacy Measurement," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 148(3), pages 787-830, April.
    23. Müller, Anna K. & Theuvsen, Ludwig, 2015. "Food safety standards in the Guatemalan fresh pea sector: The role of financial literacy in technology adoption," GlobalFood Discussion Papers 205289, Georg-August-Universitaet Goettingen, GlobalFood, Department of Agricultural Economics and Rural Development.
    24. Paul Hallwood & Ronald MacDonald, 2014. "Picking The Right Budget Constraint For Scotland," Working Papers 2014_18, Business School - Economics, University of Glasgow.
    25. Delis, Manthos & Galariotis, Emilios & Monne, Jerome, 2021. "Economic condition and financial cognition," Journal of Banking & Finance, Elsevier, vol. 123(C).
    26. Pyle, William & Schoors, Koen & Semenova, Maria & Yudaeva, Ksenya, 2013. "Bank Depositor behavior in Russia in the Aftermath of Financial Crisis," MPRA Paper 68932, University Library of Munich, Germany.
    27. Daniel Berkowitz & Mark Hoekstra & Koen Schoors, 2012. "Does Finance Cause Growth? Evidence from the Origins of Banking in Russia," NBER Working Papers 18139, National Bureau of Economic Research, Inc.
    28. Guo, Xuejun & Guo, Xiaoxi & Guan, Haoran, 2025. "Does rural Households’ financial literacy affect the household portfolio choices in poverty alleviation areas?," Economic Analysis and Policy, Elsevier, vol. 85(C), pages 1550-1562.
    29. Paladino, Giovanna, 2022. "Ask a question, get an answer. A study of the framing effect on financial literacy in Italy," MPRA Paper 112168, University Library of Munich, Germany.
    30. Buchholtz, Sonia & Gaska, Jan & Góra, Marek, 2018. "Pension Strategies of Workers in a Country Getting Old before Getting Rich," IZA Discussion Papers 11830, IZA Network @ LISER.
    31. Happiness Ozioma Obi-Anike & Ogohi Cross Daniel & Ifeoma Joanes Onodugo & Ikechukwu Joseph Attamah & Benedict Ogbemudia Imhanrenialena, 2023. "The Role of Financial Information Literacy in Strategic Decision-Making Effectiveness and Sustainable Performance among Agribusiness Entrepreneurs in Nigeria," Sustainability, MDPI, vol. 15(13), pages 1-17, July.
    32. Andrzej Cwynar & Beata Świecka & Kamil Filipek & Robert Porzak, 2022. "Consumers' knowledge of cashless payments: Development, validation, and usability of a measurement scale," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 640-665, June.
    33. María José Roa & Ignacio Garrón & Jonathan Barboza, 2019. "Financial Decisions and Financial Capabilities in the Andean Region," Journal of Consumer Affairs, Wiley Blackwell, vol. 53(2), pages 296-323, June.
    34. Garai-Fodor, Mónika & Csiszárik-Kocsir, Ágnes, 2018. "Validity of value-based consumer behaviour models in terms of the financial awareness of Generations Z and Y," Public Finance Quarterly, Corvinus University of Budapest, vol. 63(4), pages 511-529.
    35. María José Roa & Ignacio Garrón & Jonathan Barboza, 2018. "Características cognitivas, rasgos de personalidad y alfabetización financiera: papel en las decisiones financieras," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 7, pages 167-255, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    36. Cordero, José Manuel & Gil, María & Pedraja Chaparro, Francisco, 2016. "Exploring the effect of financial literacy courses on student achievement: a cross-country approach using PISA 2012 data," MPRA Paper 75474, University Library of Munich, Germany.
    37. World Bank Group, 2016. "Enhancing Financial Capability and Inclusion in Azerbaijan," World Bank Publications - Reports 24955, The World Bank Group.
    38. Katharina Allinger & Elisabeth Beckmann, 2021. "Prevalence and determinants of nonbank borrowing in CESEE: evidence from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1/21, pages 7-35.
    39. Sonia Buchholtz & Jan Gąska & Marek Góra, 2021. "Myopic Savings Behaviour of Future Polish Pensioners," Risks, MDPI, vol. 9(2), pages 1-19, February.
    40. Md. Saidul Islam & Md. Akash & Shake Farhan & Md Jahidul Islam Jahid & Md.Omit Hasan Ovi, 2023. "Understanding the Factors that Influence Financial Literacy in Small Businesses: Evidence from Bangladesh," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 7(12), pages 492-505, December.
    41. M. Debbich, 2015. "Why Financial Advice Cannot Substitute for Financial Literacy?," Working papers 534, Banque de France.
    42. Maria Semenova & Victoria Kulikova, 2016. "Informal Loans in Russia: Why Not to Borrow from a Bank?," Review of Pacific Basin Financial Markets and Policies (RPBFMP), World Scientific Publishing Co. Pte. Ltd., vol. 19(03), pages 1-41, September.
    43. Richard Waldron, 2019. "Financialization, Urban Governance and the Planning System: Utilizing ‘Development Viability’ as a Policy Narrative for the Liberalization of Ireland's Post‐Crash Planning System," International Journal of Urban and Regional Research, Wiley Blackwell, vol. 43(4), pages 685-704, July.
    44. Ali Raza & Guangji Tong & Furqan Sikandar & Vasilii Erokhin & Zhang Tong, 2023. "Financial Literacy and Credit Accessibility of Rice Farmers in Pakistan: Analysis for Central Punjab and Khyber Pakhtunkhwa Regions," Sustainability, MDPI, vol. 15(4), pages 1-24, February.
    45. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    46. Sundar, B. & Virmani, Vineet, 2013. "Numeracy and Financial Literacy of Forest Dependent Communities Evidence from Andhra Pradesh," IIMA Working Papers WP2013-09-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    47. Robert Toth & Richard Kasa & Csaba Lentner, 2023. "Validating the Financial Literacy Index of Hungarian SMEs during the COVID-19 Pandemic and the Russian–Ukrainian War," Risks, MDPI, vol. 11(4), pages 1-19, March.
    48. Rayenda Khresna Brahmana & Ritzky Karina Brahmana, 2016. "The Financial Planning and Financial Literacy of ex-Malaysia Indonesian Migrant Workers," Acta Oeconomica Pragensia, Prague University of Economics and Business, vol. 2016(5), pages 47-59.

  35. Rob Alessie & Maarten van Rooij & Annamaria Lusardi, 2011. "Financial Literacy, Retirement Preparation and Pension Expectations in the Netherlands," CeRP Working Papers 110, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    2. Szafrańska Monika, 2019. "Level of Financial Literacy of Academic Youth from Rural Areas in the Visegrad Group Countries," Financial Sciences. Nauki o Finansach, Paradigm, vol. 24(3), pages 46-58, September.
    3. Yiing Jia Loke, 2015. "Financial Knowledge and Behaviour of Working Adults in Malaysia," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 9(1), pages 18-38, February.
    4. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    5. Lucía Rey-Ares & Sara Fernández-López & Milagros Vivel-Búa, 2018. "The Influence of Social Models on Retirement Savings: Evidence for European Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 136(1), pages 247-268, February.
    6. Alessie, Rob & Angelini, Viola & van Santen, Peter, 2013. "Pension wealth and household savings in Europe: Evidence from SHARELIFE," European Economic Review, Elsevier, vol. 63(C), pages 308-328.
    7. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    8. Luc Arrondel, 2018. "Financial Literacy and Asset Behaviour: Poor Education and Zero for Conduct?," Comparative Economic Studies, Palgrave Macmillan;Association for Comparative Economic Studies, vol. 60(1), pages 144-160, March.
    9. van Santen, Peter & Alessie, Rob & Kalwij, Adriaan, 2012. "Probabilistic survey questions and incorrect answers: Retirement income replacement rates," Journal of Economic Behavior & Organization, Elsevier, vol. 82(1), pages 267-280.
    10. Zukarnain Zakaria & Siti Maisarah Mohamad Nor & Mohd Roslan Ismail, 2017. "Financial Literacy and Risk Tolerance towards Saving and Investment: A Case Study in Malaysia," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 7(4), pages 507-514.
    11. Mostafa Saidur Rahim Khan & Pongpat Putthinun & Somtip Watanapongvanich & Pattaphol Yuktadatta & Md. Azad Uddin & Yoshihiko Kadoya, 2021. "Do Financial Literacy and Financial Education Influence Smoking Behavior in the United States?," IJERPH, MDPI, vol. 18(5), pages 1-18, March.
    12. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Paradigm, vol. 11(2), pages 117-131, October.
    13. Shunsuke Ono & Pattaphol Yuktadatta & Takafumi Taniguchi & Tomoe Iitsuka & Masafumi Noguchi & Sawa Tanaka & Haruka Ito & Kousei Nakamura & Nanako Yasuhara & Chihiro Miyawaki & Katsumi Mikura & Mostafa, 2021. "Financial Literacy and Exercise Behavior: Evidence from Japan," Sustainability, MDPI, vol. 13(8), pages 1-15, April.
    14. Yoshihiko KADOYA & Mostafa Saidur Rahim KHAN, 2016. "Can Financial Literacy Reduce Anxiety about Life in Old Age?," Discussion papers 16076, Research Institute of Economy, Trade and Industry (RIETI).
    15. Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez., 2021. "Educación financiera y decisiones de ahorro e inversión: un análisis de la Encuesta de Competencias Financieras (ECF)," CNMV Documentos de Trabajo CNMV Documentos de Trabaj, CNMV- Comisión Nacional del Mercado de Valores - Departamento de Estudios y Estadísticas.
    16. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Hamada & Alvaro Dominguez, 2018. "Financial literacy and anxiety about life in old age: evidence from the USA," Review of Economics of the Household, Springer, vol. 16(3), pages 859-878, September.
    17. Raminder Luther & Linda Jane Coleman & Mayuresh Kelkar & Gregory Foudray, 2018. "Generational differences in perceptions of financial planners," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(2), pages 112-127, June.
    18. Gignac, Gilles E. & Zajenkowski, Marcin, 2025. "Humans peak in midlife: A combined cognitive and personality trait perspective," Intelligence, Elsevier, vol. 113(C).
    19. Ornella Ricci & Gianluca Santilli, 2024. "Exploring the link between financial literacy and business interruption insurance: evidence from Italian micro-enterprises," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 49(4), pages 663-681, October.
    20. Montizaan, Raymond & de Grip, Andries & Fouarge, Didier, 2015. "Training Access, Reciprocity, and Expected Retirement Age," IZA Discussion Papers 8862, IZA Network @ LISER.
    21. Yang Li & Jan E. Mutchler & Edward Alan Miller & Jing Jian Xiao & Reginald Tucker-Seeley, 2022. "Space, Context, and Human Capital: A Micro–Macro Perspective on the Social Environment and Financial Literacy in Later Life," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 41(3), pages 1385-1404, June.
    22. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    23. Erika Pastoráková & Zuzana Brokešová & Jana Péliová, 2017. "Proaktívny prístup k tvorbe súkromných dôchodkových úspor: kľúčové determinanty [Proactive Approach to Private Pension Savings: Key Determinants]," Politická ekonomie, Prague University of Economics and Business, vol. 2017(6), pages 709-727.
    24. Artem Abduramanov, 2025. "Financial Literacy and Pension Strategies: Evidence from Russia," Russian Journal of Money and Finance, Bank of Russia, vol. 84(3), pages 115-136, September.
    25. Flavia Coda Moscarola & Adriaan Kalwij, 2021. "The Effectiveness of a Formal Financial Education Program at Primary Schools and the Role of Informal Financial Education," Evaluation Review, , vol. 45(3-4), pages 107-133, June.
    26. Lin, Chaonan & Hsiao, Yu-Jen & Yeh, Cheng-Yung, 2017. "Financial literacy, financial advisors, and information sources on demand for life insurance," Pacific-Basin Finance Journal, Elsevier, vol. 43(C), pages 218-237.
    27. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    28. Musah, Alhassan & Yakubu, Ibrahim Nandom & Abagna, Matthew Amalitinga, 2022. "Financial Literacy: A Peep into the Literature and Note for Policy," MPRA Paper 115703, University Library of Munich, Germany.
    29. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    30. Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez, 2021. "Financial education and savings and investment decisions: An analysis of the Survey of financial competences (ECF)," CNMV Working Papers CNMV Working Papers no. 7, CNMV- Spanish Securities Markets Commission - Research and Statistics Department.
    31. Dolores Moreno-Herrero & Manuel Salas-Velasco & José Sánchez-Campillo, 2017. "Individual Pension Plans in Spain: How Expected Change in Future Income and Liquidity Constraints Shape the Behavior of Households," Journal of Family and Economic Issues, Springer, vol. 38(4), pages 596-613, December.
    32. Hershey, D.A. & van Dalen, Hendrik Peter & Conen, Wieteke & Henkens, Kene, 2017. "Are “voluntary” self-employed better prepared for retirement than “forced” self-employed?," Other publications TiSEM 039ee146-e32b-444a-a5c6-1, Tilburg University, School of Economics and Management.
    33. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    34. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan, 2016. "What Determines Financial Literacy in Japan?," ISER Discussion Paper 0982, Institute of Social and Economic Research, The University of Osaka.
    35. Carin van der Cruijsen & Jakob de Haan & Ria Roerink, 2021. "Financial knowledge and trust in financial institutions," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 680-714, June.
    36. Kamer Karakurum-Ozdemir & Melike Kokkizil & Gokce Uysal, 2019. "Financial Literacy in Developing Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 143(1), pages 325-353, May.
    37. Vanessa Mak & Jurgen Braspenning, 2012. "Errare humanum est: Financial Literacy in European Consumer Credit Law," Journal of Consumer Policy, Springer, vol. 35(3), pages 307-332, September.
    38. Riccardo Calcagno & Paolo Finaldi Russo & Ludovica Galotto & Anita Quas, 2024. "Financial literacy of micro-entrepreneurs and access to credit," Questioni di Economia e Finanza (Occasional Papers) 853, Bank of Italy, Economic Research and International Relations Area.
    39. Linh Thi My Nguyen & Phong Thanh Nguyen & Quynh Nguyen Nhu Tran & Thi Tuong Giang Trinh, 2021. "Why does subjective financial literacy hinder retirement saving? The mediating roles of risk tolerance and risk perception," Review of Behavioral Finance, Emerald Group Publishing Limited, vol. 14(5), pages 627-645, April.
    40. Kiliyanni, Abdul Latheef & Sivaraman, Sunitha, 2016. "The perception-reality gap in financial literacy: Evidence from the most literate state in India," International Review of Economics Education, Elsevier, vol. 23(C), pages 47-64.
    41. Emanuele Bajo & Massimiliano Barbi & Sandro Sandri, 2015. "Financial Literacy, Households' Investment Behavior, and Risk Propensity," Journal of Financial Management, Markets and Institutions, Società editrice il Mulino, issue 1, pages 157-174, June.
    42. Eleonora Patacchini & Edoardo Rainone, 2017. "Social ties and the demand for financial services," Temi di discussione (Economic working papers) 1115, Bank of Italy, Economic Research and International Relations Area.
    43. Elisabeth Beckmann & Helmut Stix, 2014. "Foreign currency borrowing and knowledge about exchange rate risk," Working Papers 188, Oesterreichische Nationalbank (Austrian Central Bank).
    44. Noviarini, Jelita & Coleman, Andrew & Roberts, Helen & Whiting, Rosalind H., 2023. "Financial literacy and retirees' resource allocation decisions in New Zealand," Pacific-Basin Finance Journal, Elsevier, vol. 79(C).
    45. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    46. Martina Manfre' & Viola Angelini, 2018. "Does The Financial Situation affect Cheating Behavior? An Investigation through Financial Literacy," Working Papers 06/2018, University of Verona, Department of Economics.
    47. Fong, Joelle H. & Ba, Yuhao & Chen, Zhe, 2025. "Who supports carbon pricing? Older adults’ financial literacy and attitudes toward carbon taxation," The Journal of the Economics of Ageing, Elsevier, vol. 32(C).
    48. Ales Marsal & Patryk Perkowski, 2025. "A Task-Based Approach to Generative AI: Evidence from a Field Experiment in Central Banking," Working and Discussion Papers WP 13/2025, Research Department, National Bank of Slovakia.
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    51. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
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    53. Dillingh, Rik, 2016. "Empirical essays on behavioral economics and lifecycle decisions," Other publications TiSEM 0e2143e3-bd86-4302-90eb-e, Tilburg University, School of Economics and Management.
    54. Tabea Bucher-Koenen & Annamaria Lusardi & Rob Alessie & Maarten van Rooij, 2017. "How Financially Literate Are Women? An Overview and New Insights," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(2), pages 255-283, July.
    55. Barrett, Alan & Mosca, Irene & Whelan, Brendan J., 2013. "(Lack of) Pension Knowledge," IZA Discussion Papers 7596, IZA Network @ LISER.
    56. van Dalen, Hendrik Peter & Henkens, C.J.I.M., 2022. "Trust in pension funds, or the importance of being financially sound," Other publications TiSEM 38fb5035-b7e2-403b-928b-1, Tilburg University, School of Economics and Management.
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    Cited by:

    1. Stanley Yap Peng Lok & Chong Wei Ying & Leow Hon Wei, 2017. "A Framework for Retirement Planning Based on Financial Literacy and Wealth Accumulation," Proceedings of Business and Management Conferences 5607977, International Institute of Social and Economic Sciences.
    2. Kwee Kim Peong, 2019. "Determinants of Personal Financial Literacy among Young Adults in Malaysian Accounting Firms," GATR Journals gjbssr524, Global Academy of Training and Research (GATR) Enterprise.
    3. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    4. Kamer Karakurum-Ozdemir & Melike Kokkizil & Gokce Uysal, 2019. "Financial Literacy in Developing Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 143(1), pages 325-353, May.
    5. Williams, Marlon L., 2016. "Bank overdraft pricing and myopic consumers," Economics Letters, Elsevier, vol. 139(C), pages 84-87.
    6. Gordon L. Clark, 2014. "Roepke Lecture in Economic Geography—Financial Literacy in Context," Economic Geography, Clark University, vol. 90(1), pages 1-23, January.
    7. Oludamola Durodola & Patricia Fusch & Steven Tippins, 2017. "A Case-Study of Financial Literacy and Wellbeing of Immigrants in Lloydminster, Canada," International Journal of Business and Management, Canadian Center of Science and Education, vol. 12(8), pages 1-37, July.
    8. Yeboah, Augustine Kwadwo & Obeng, Camara Kwasi, 2016. "Effect of financial literacy on willingness to pay for micro-insurance by commercial market business operators in Ghana," MPRA Paper 70135, University Library of Munich, Germany.
    9. Annamaria Lusardi & Carlo de Bassa Scheresberg, 2013. "Financial Literacy and High-Cost Borrowing in the United States," NBER Working Papers 18969, National Bureau of Economic Research, Inc.
    10. Annamaria Lusardi & Olivia S. Mitchell, 2013. "The Economic Importance of Financial Literacy: Theory and Evidence," NBER Working Papers 18952, National Bureau of Economic Research, Inc.
    11. Bryce L. Jorgensen & Diane Foster & Jakob F. Jensen & Elisabete Vieira, 2017. "Financial Attitudes and Responsible Spending Behavior of Emerging Adults: Does Geographic Location Matter?," Journal of Family and Economic Issues, Springer, vol. 38(1), pages 70-83, March.
    12. Abhinav Shanbhag, 2022. "Exploring Causes, Effects, and Solutions to Financial Illiteracy and Exclusion among Minority Demographic Groups," Papers 2210.11403, arXiv.org.

  38. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Retirement Planning in the United States," CeRP Working Papers 107, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Luisa R. Blanco & O. Kenrik Duru & Carol M. Mangione, 2020. "A Community-Based Randomized Controlled Trial of an Educational Intervention to Promote Retirement Saving Among Hispanics," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 300-315, June.
    2. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," MPRA Paper 89452, University Library of Munich, Germany.
    3. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    4. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    5. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    6. Coibion, Olivier & Georgarakos, Dimitris & Gorodnichenko, Yuriy & van Rooij, Maarten, 2019. "How Does Consumption Respond to News about Inflation? Field Evidence from a Randomized Control Trial," IZA Discussion Papers 12498, IZA Network @ LISER.
    7. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    8. María-Jesús Gallego-Losada & Antonio Montero-Navarro & Rocío Gallego-Losada & José-Luis Rodríguez-Sánchez, 2024. "Measuring financial divide in the rural environment. The potential role of the digital transformation of finance," International Entrepreneurship and Management Journal, Springer, vol. 20(4), pages 2791-2810, December.
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    174. Börsch-Supan, Axel & Bucher-Koenen, Tabea & Ferrari, Irene & Kutlu Koc, Vesile & Rausch, Johannes, 1970. "The Development of the Pension Gap and German Households’ Saving Behavior," MEA discussion paper series 201602, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    175. Haliassos, Michael & Jansson, Thomas & Karabulut, Yigitcan, 2017. "Financial Literacy Externalities," Working Paper Series 333, Sveriges Riksbank (Central Bank of Sweden), revised 01 Oct 2017.
    176. Ioannis Petrakis & Georgios A. Panos, 2025. "Pension Policy and Personal Finance: Defined-Contribution Plans and Retirement Strategies in the United Kingdom," Working Papers 2025_06, Business School - Economics, University of Glasgow.
    177. Tiffe, Achim & Feigl, Michael & Fritze, Jürgen & Götz, Veruschka & Grunert, Claudia & Jaroszek, Lena & Rohn, Ilonka, 2012. "Ausgestaltung eines Produktinformationsblatts für zertifizierte Altersvorsorge- und Basisrentenverträge," EconStor Research Reports 57575, ZBW - Leibniz Information Centre for Economics.
    178. Peng, Geng & Liu, Fang & Lu, Wenyi & Liao, Kaicheng & Tang, Changan & Zhu, Lei, 2018. "A spatial-temporal analysis of financial literacy in United States of America," Finance Research Letters, Elsevier, vol. 26(C), pages 56-62.
    179. Monika Riedel & Helmut Hofer & Birgit Wögerbauer, 2015. "Determinants for the transition from work into retirement in Europe," IZA Journal of European Labor Studies, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 4(1), pages 1-19, December.
    180. Fernando Alexandre & Luís Aguiar Conraria & Pedro Bação & Miguel Portela, 2011. "A Poupança em Portugal," GEMF Working Papers 2011-19, GEMF, Faculty of Economics, University of Coimbra.
    181. Kaiser, Tim & Oberrauch, Luis & Seeber, Günther, 2019. "Measuring Economic Competence of Secondary School Students in Germany," EconStor Preprints 202639, ZBW - Leibniz Information Centre for Economics.
    182. Rayenda Khresna Brahmana & Ritzky Karina Brahmana, 2016. "The Financial Planning and Financial Literacy of ex-Malaysia Indonesian Migrant Workers," Acta Oeconomica Pragensia, Prague University of Economics and Business, vol. 2016(5), pages 47-59.
    183. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.

  40. Annamaria Lusardi & Olivia S. Mitchell, 2011. "The Outlook for Financial Literacy," NBER Working Papers 17077, National Bureau of Economic Research, Inc.

    Cited by:

    1. Nidia García Bohórquez & Fayber Alfonso Acosta Pardo & Jorge Leonardo Rueda Gil, 2013. "Determinantes de la Alfabetización Financiera de la Población Bogotana Bancarizada," Borradores de Economia 792, Banco de la Republica de Colombia.
    2. Nidia Garc�a Boh�rquez & Fayber Alfonso Acosta Pardo & Jorge Leonardo Rueda Gil, 2013. "Determinantes de la Alfabetizaci�n Financiera de la Poblaci�n Bogotana Bancarizada," Borradores de Economia 11096, Banco de la Republica.
    3. Lin, Chaonan & Hsiao, Yu-Jen & Yeh, Cheng-Yung, 2017. "Financial literacy, financial advisors, and information sources on demand for life insurance," Pacific-Basin Finance Journal, Elsevier, vol. 43(C), pages 218-237.
    4. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    5. Elisabet Ruiz-Dotras & Josep Lladós-Masllorens, 2022. "Entrepreneurial Self-efficacy and Financial and Calculation Skills Can Shape Different Profiles of Venture Intentions," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 31(1), pages 153-183, March.
    6. Jin Huang & Yunju Nam & Margaret S. Sherraden, 2013. "Financial Knowledge and Child Development Account Policy: A Test of Financial Capability," Journal of Consumer Affairs, Wiley Blackwell, vol. 47(1), pages 1-26, April.
    7. Klein, Galit & Shtudiner, Zeev & Zwilling, Moti, 2021. "Uncovering gender bias in attitudes towards financial advisors," Journal of Economic Behavior & Organization, Elsevier, vol. 189(C), pages 257-273.
    8. Shin, Su Hyun & Kim, Kyoung Tae & Seay, Martin, 2020. "Sources of information and portfolio allocation," Journal of Economic Psychology, Elsevier, vol. 76(C).
    9. Mahnaz Mahdavi & Nicholas J. Horton, 2014. "Financial Knowledge among Educated Women: Room for Improvement," Journal of Consumer Affairs, Wiley Blackwell, vol. 48(2), pages 403-417, June.
    10. Ali Coskun & Nurdilek Dalziel, 2020. "Mediation effect of financial attitude on financial knowledge and financial behavior: The case of university students," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 9(2), pages 01-08, March.
    11. Martins, Lurdes & Szrek, Helena, 2019. "The impact of the decision environment on consumer choice of mobile service plans: An experimental examination," Utilities Policy, Elsevier, vol. 56(C), pages 20-32.
    12. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    13. Tahira Iram & Ahmad Raza Bilal & Zeshan Ahmad & Shahid Latif, 2023. "Does Financial Mindfulness Make a Difference? A Nexus of Financial Literacy and Behavioural Biases in Women Entrepreneurs," IIM Kozhikode Society & Management Review, , vol. 12(1), pages 7-21, January.

  41. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.

    Cited by:

    1. Rui Yao & Yilan Xu, 2015. "Chinese Urban Households’ Security Market Participation: Does Investment Knowledge and Having a Long-Term Plan Help?," Journal of Family and Economic Issues, Springer, vol. 36(3), pages 328-339, September.
    2. Corsini, Lorenzo & Giannelli, Gianna Claudia, 2021. "Economics education and financial literacy acquisition: Evidence from a field experiment," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
    3. Annamaria Lusardi & Olivia S. Mitchell, 2013. "The Economic Importance of Financial Literacy: Theory and Evidence," NBER Working Papers 18952, National Bureau of Economic Research, Inc.
    4. Martina Manfre' & Viola Angelini, 2018. "Does The Financial Situation affect Cheating Behavior? An Investigation through Financial Literacy," Working Papers 06/2018, University of Verona, Department of Economics.
    5. Caliendo, Frank N. & Findley, T. Scott, 2013. "Time inconsistency and retirement planning," Economics Letters, Elsevier, vol. 121(1), pages 30-34.
    6. Paul Gerrans & Richard Heaney, 2019. "The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 59(1), pages 177-217, March.
    7. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    8. Millimet, Daniel L. & McDonough, Ian K. & Fomby, Thomas B., 2015. "Financial Literacy and Food Security in Extremely Vulnerable Households," IZA Discussion Papers 9103, IZA Network @ LISER.
    9. Pongpat Putthinun & Somtip Watanapongvanich & Mostafa Saidur Rahim Khan & Yoshihiko Kadoya, 2021. "Financial Literacy and Alcohol Drinking Behavior: Evidence from Japan," Sustainability, MDPI, vol. 13(16), pages 1-13, August.
    10. Mark Kaahwa & Chang Zhu & Moses Muhumuza & Rodgers Mutyebere & Robert Mawenu, 2019. "Assessing the efficacy of Audio Media Technology in enhancing Financial Literacy Knowledge of Radio Listening Club Members. A case of selected Rural Communities in Western Uganda," Proceedings of Teaching and Education Conferences 9612203, International Institute of Social and Economic Sciences.
    11. Holzmann, Robert & Ayuso, Mercedes & Alaminos, Estefanía & Bravo, Jorge Miguel, 2019. "Life Cycle Saving and Dissaving Revisited across Three-Tiered Income Groups: Starting Hypotheses, Refinement through Literature Review, and Ideas for Empirical Testing," IZA Discussion Papers 12655, IZA Network @ LISER.
    12. Margherita Fort & Francesco Manaresi & Serena Trucchi, 2014. "Adults' Financial Literacy and Households' Financial Assets: The Role of Banks Information Policies," CESifo Working Paper Series 5047, CESifo.
    13. Thomas Lalime & Pierre-Carl Michaud, 2012. "Littératie financière et préparation à la retraite au Québec et dans le reste du Canada," Cahiers de recherche 1237, CIRPEE.
    14. Spataro, Luca & Corsini, Lorenzo, 2013. "Endogenous financial literacy, saving and stock market participation," MPRA Paper 44342, University Library of Munich, Germany.
    15. Ali Coskun & Muhammed Abdullah Sahin & Alperen Zengin, 2019. "Financial Literacy in Turkey: A field study to touch base with the OECD," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 8(3), pages 01-16, May.
    16. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).

  42. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Ozili, Peterson Kitakogelu, 2021. "Financial inclusion-exclusion paradox: how banked adults become unbanked again," MPRA Paper 108494, University Library of Munich, Germany.
    3. Estaban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 725, Banco de la Republica de Colombia.
    4. Jing Jian Xiao & Nilton Porto, 2022. "Financial capability and wellbeing of vulnerable consumers," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 1004-1018, June.
    5. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    6. Sergio Hernández Mejía & Elena Moreno García, 2025. "Ahorro para emergencias, la inclusión y la educación financiera en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 20(2), pages 1-22, Abril - J.
    7. Roberto Alvarez & Alvaro Miranda & Jaime Ruiz-Tagle, 2023. "Whisper Words of Wisdom: How Financial Counseling can Reduce Delinquency in Consumer Loans," Working Papers wp552, University of Chile, Department of Economics.
    8. Dee Warmath & Genevieve Elizabeth O'Connor & Nancy Wong & Casey Newmeyer, 2022. "The role of social psychological factors in vulnerability to financial hardship," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(3), pages 1148-1177, September.
    9. Lusardi, Annamaria & Mitchell, Olivia S. & Curto, Vilsa, 2012. "Financial sophistication in the older population," CFS Working Paper Series 2012/08, Center for Financial Studies (CFS).
    10. Cheung, Stephen L. & Rogut, Nathan, 2024. "Portfolio framing and diversification in a disposition effect experiment," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    11. Lu Fan & Swarn Chatterjee & Jinhee Kim, 2022. "An Integrated Framework of Young Adults’ Subjective Well-Being: The Roles of Personality Traits, Financial Responsibility, Perceived Financial Capability, and Race," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 66-85, March.
    12. Kiliyanni, Abdul Latheef & Sivaraman, Sunitha, 2016. "The perception-reality gap in financial literacy: Evidence from the most literate state in India," International Review of Economics Education, Elsevier, vol. 23(C), pages 47-64.
    13. Annamaria Lusardi & Olivia S. Mitchell, 2013. "The Economic Importance of Financial Literacy: Theory and Evidence," NBER Working Papers 18952, National Bureau of Economic Research, Inc.
    14. Kartik B. Athreya & José Mustre-del-Río & Juan M. Sánchez, 2017. "The Persistence of Financial Distress," Working Papers 2017-38, Federal Reserve Bank of St. Louis.
    15. Rob Ranyard & Simon McNair & Gianni Nicolini & Darren Duxbury, 2020. "An item response theory approach to constructing and evaluating brief and in‐depth financial literacy scales," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 1121-1156, September.
    16. Esteban G�mez Gonz�lez & Nancy Zamudio G�mez, 2012. "Las capacidades financieras de la poblaci�n colombiana," Borradores de Economia 9828, Banco de la Republica.
    17. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    18. Seth Neumuller & Casey Rothschild, 2017. "Financial Sophistication and Portfolio Choice over the Life Cycle," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 26, pages 243-262, October.
    19. Atalay, Kadir & Lou, Hanlin & Slonim, Robert, 2026. "Nudging a second after," Journal of Banking & Finance, Elsevier, vol. 182(C).
    20. Tinghög, Gustav & Ahmed, Ali & Barrafrem, Kinga & Lind, Thérèse & Skagerlund, Kenny & Västfjäll, Daniel, 2021. "Gender differences in financial literacy: The role of stereotype threat," Journal of Economic Behavior & Organization, Elsevier, vol. 192(C), pages 405-416.
    21. Annamaria Lusardi, 2015. "Risk Literacy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 1(1), pages 5-23, March.
    22. Aschenwald, Marco & Holzknecht, Armando & Kirchler, Michael & Razen, Michael, 2024. "Covariates of behavioral consistency among adolescents," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    23. Robert L. Clark & Annamaria Lusardi & Olivia S. Mitchell, 2014. "Financial Knowledge and 401(k) Investment Performance," NBER Working Papers 20137, National Bureau of Economic Research, Inc.
    24. Xingqi Wang & Zhenhua Mao, 2023. "Research on the Impact of Digital Inclusive Finance on the Financial Vulnerability of Aging Families," Risks, MDPI, vol. 11(12), pages 1-24, November.
    25. Stephen Agnew & Trudi Cameron-Agnew, 2015. "The Influence of Gender and Household Culture on Financial Literacy Knowledge; Attitudes and Behaviour," Journal of Financial Management, Markets and Institutions, Società editrice il Mulino, issue 1, pages 31-50, June.
    26. John Iceland & Arthur Sakamoto, 2022. "The Prevalence of Hardship by Race and Ethnicity in the USA, 1992–2019," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 41(5), pages 2001-2036, October.
    27. Barrafrem, Kinga & Västfjäll, Daniel & Tinghög, Gustav, 2024. "Financial Homo Ignorans: Development and validation of a scale to measure individual differences in financial information ignorance," Journal of Behavioral and Experimental Finance, Elsevier, vol. 42(C).
    28. Annamaria Lusardi, 2012. "Numeracy, financial literacy, and financial decision-making," NBER Working Papers 17821, National Bureau of Economic Research, Inc.
    29. Youngwon Nam & Cäzilia Loibl, 2021. "Financial Capability and Financial Planning at the Verge of Retirement Age," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 133-150, March.
    30. Trang M. T. Phung & Quoc N. Tran & Phuong Nguyen‐Hoang & Nhut H. Nguyen & Tho H. Nguyen, 2023. "The role of learning motivation on financial knowledge among Vietnamese college students," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 529-563, January.
    31. Lusardi, Annamaria & Mitchell, Olivia S. & Oggero, Noemi, 2019. "Debt close to retirement and its implications for retirement well-being," CFS Working Paper Series 631, Center for Financial Studies (CFS).
    32. Thomas Korankye & Charlene M. Kalenkoski, 2021. "The Effect of Households’ Student Debt on Life Satisfaction," Journal of Family and Economic Issues, Springer, vol. 42(4), pages 757-772, December.
    33. Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi, 2014. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," NBER Working Papers 20618, National Bureau of Economic Research, Inc.
    34. Noemi Oggero & Maria Cristina Rossi & Elisa Ughetto, 2019. "Entrepreneurial Spirits in Women and Men. The Role of Financial Literacy and Digital Skills," Working papers 059, Department of Economics, Social Studies, Applied Mathematics and Statistics (Dipartimento di Scienze Economico-Sociali e Matematico-Statistiche), University of Torino.
    35. Anna Kaliciak & Radoslaw Kurach & Walid Merouani, 2016. "Who is Eager to Save for Retirement – the Cross-Country Evidence," LWS Working papers 23, LIS Cross-National Data Center in Luxembourg.
    36. Melanie Meyer, 2017. "Is Financial Literacy a Determinant of Health?," The Patient: Patient-Centered Outcomes Research, Springer;International Academy of Health Preference Research, vol. 10(4), pages 381-387, August.
    37. Carlos M Parra & Ranjita Poudel & Matthew Sutherland, 2021. "Towards an Understanding of Low-Income Individuals’ Financial Resiliency: Exploration of Risk Preferences, Personality Traits, and Savings Behavior," Journal of Economics and Behavioral Studies, AMH International, vol. 13(5), pages 32-54.
    38. Eriksson, Kent & Hermansson, Cecilia & Jonsson, Sara, 2019. "The viability of the bank advisory service business model - effects of customers' trust, satisfaction and loyalty on client-level performance," Working Paper Series 19/4, Royal Institute of Technology, Department of Real Estate and Construction Management & Banking and Finance.
    39. Lu Fan & Richard Stebbins & Kyoung Tae Kim, 2022. "Skint: Retirement? Financial Hardship and Retirement Planning Behaviors," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 354-367, June.

  43. Maarten van Rooij & Annamaria Lusardi & Rob Alessie, 2011. "Financial Literacy, Retirement Planning, and Household Wealth," CeRP Working Papers 119, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Maria Alexandrova & Nadine Gatzert, 2019. "What Do We Know About Annuitization Decisions?," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 22(1), pages 57-100, March.
    2. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    3. Luisa R. Blanco & O. Kenrik Duru & Carol M. Mangione, 2020. "A Community-Based Randomized Controlled Trial of an Educational Intervention to Promote Retirement Saving Among Hispanics," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 300-315, June.
    4. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    5. Lanciano, Edoardo & Previati, Daniele & Ricci, Ornella & Stentella Lopes, F. Saverio, 2024. "Gender differences and measurement error in financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    6. Briggs, Joseph & Cesarini, David & Lindqvist, Erik & Östling, Robert, 2015. "Windfall Gains and Stock Market Participation," Working Paper Series 1092, Research Institute of Industrial Economics.
    7. Giuseppe Marotta, 2011. "Are defined contribution pension schemes socially sustainable? A conceptual map from a macroprudential perspective," Department of Economics 0671, University of Modena and Reggio E., Faculty of Economics "Marco Biagi".
    8. Klühs, Theres & Grohmann, Antonia & Menkhoff, Lukas, 2017. "Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence," VfS Annual Conference 2017 (Vienna): Alternative Structures for Money and Banking 168165, Verein für Socialpolitik / German Economic Association.
    9. Carin van der Cruijsen & Marie-Claire Broekhoff, 2024. "Gender gaps in the world of payments," Working Papers 805, DNB.
    10. Shane Enete & Martin Seay & Sarah Asebedo & David Wang & Megan McCoy, 2022. "Understanding the influence of emotion on both time and money: applying the broaden and build theory," SN Business & Economics, Springer, vol. 2(5), pages 1-24, May.
    11. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    12. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    13. Hu, Zihao & Zhang, Dong & Xiong, Xueping, 2025. "Motivation, cognition, and capacity: How income risk shapes retirement saving in an aging society," International Review of Economics & Finance, Elsevier, vol. 102(C).
    14. Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas, 2014. "Financial literacy and its consequences in the emerging middleclass," Kiel Working Papers 1943, Kiel Institute for the World Economy.
    15. Guin, Benjamin & Brown, Martin & Morkötter, Stefan, 2015. "Deposit Withdrawals from Distressed Commercial Banks," VfS Annual Conference 2015 (Muenster): Economic Development - Theory and Policy 113081, Verein für Socialpolitik / German Economic Association.
    16. Shizuka Sekita & Vikas Kakkar & Masao Ogaki, 2018. "Wealth, Financial Literacy and Behavioral Biases: Evidence from Japan," Keio-IES Discussion Paper Series 2018-023, Institute for Economics Studies, Keio University.
    17. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    18. Xiaomeng Lu & Yali Lai & Yong Zhang, 2023. "Digital financial inclusion and investment diversification: Evidence from China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 63(S2), pages 2781-2799, June.
    19. Marcela Ibanez & Sebastian O. Schneider, 2023. "Income Risk, Precautionary Saving, and Loss Aversion – An Empirical Test," Discussion Paper Series of the Max Planck Institute for Behavioral Economics 2023_06, Max Planck Institute for Behavioral Economics.
    20. Yashasvi Panwar & Dr. Vidya Telang, 2026. "Assessing the Impact of Financial Literacy on Investment Awareness: An Empirical Analysis of Retail Investors," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 13(5), pages 899-915, May.
    21. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    22. Robert L. Clark & Robert G. Hammond & Melinda S. Morrill & Christelle Khalaf, 2019. "Informing Retirement Savings Decisions: A Field Experiment On Supplemental Plans," Economic Inquiry, Western Economic Association International, vol. 57(1), pages 188-205, January.
    23. Lucía Rey-Ares & Sara Fernández-López & Milagros Vivel-Búa, 2018. "The Influence of Social Models on Retirement Savings: Evidence for European Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 136(1), pages 247-268, February.
    24. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    25. Brunetti, M. & Ciciretti, R. & Djordjevic, Lj., 2020. "Till mortgage do us part: Mortgage switching costs and household's bank switching," Journal of Banking & Finance, Elsevier, vol. 119(C).
    26. Bannier, Christina E. & Schwarz, Milena, 2018. "Gender- and education-related effects of financial literacy and confidence on financial wealth," Journal of Economic Psychology, Elsevier, vol. 67(C), pages 66-86.
    27. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Yamane, 2020. "Government’s Stimulus Program to Boost Consumer Spending: A Case of Discount Shopping Coupon Scheme in Japan," Sustainability, MDPI, vol. 12(9), pages 1-12, May.
    28. Gunnar Gutsche & Bernhard Zwergel, 2016. "Information barriers and SRI market participation – Can sustainability and transparency labels help?," MAGKS Papers on Economics 201624, Philipps-Universität Marburg, Faculty of Business Administration and Economics, Department of Economics (Volkswirtschaftliche Abteilung).
    29. Isaac Koomson & Renato A. Villano & David Hadley, 2023. "The role of financial literacy in households’ asset accumulation process: evidence from Ghana," Review of Economics of the Household, Springer, vol. 21(2), pages 591-614, June.
    30. Shu, Lei, 2017. "Essays on retirement income provision," Other publications TiSEM e5dd8c4e-03bf-4ec9-9651-b, Tilburg University, School of Economics and Management.
    31. Lee, Boram & Rosenthal, Leonard & Veld, Chris & Veld-Merkoulova, Yulia, 2015. "Stock market expectations and risk aversion of individual investors," International Review of Financial Analysis, Elsevier, vol. 40(C), pages 122-131.
    32. Nidia García Bohórquez & Fayber Alfonso Acosta Pardo & Jorge Leonardo Rueda Gil, 2013. "Determinantes de la Alfabetización Financiera de la Población Bogotana Bancarizada," Borradores de Economia 792, Banco de la Republica de Colombia.
    33. Giofré, Maela, 2017. "Financial education, investor protection and international portfolio diversification," Journal of International Money and Finance, Elsevier, vol. 71(C), pages 111-139.
    34. Mostafa Saidur Rahim Khan & Pongpat Putthinun & Somtip Watanapongvanich & Pattaphol Yuktadatta & Md. Azad Uddin & Yoshihiko Kadoya, 2021. "Do Financial Literacy and Financial Education Influence Smoking Behavior in the United States?," IJERPH, MDPI, vol. 18(5), pages 1-18, March.
    35. Haliassos, Michael & Fuchs-Schündeln, Nicola, 2015. "Does Product Familiarity Matter for Participation?," CEPR Discussion Papers 10632, Centre for Economic Policy Research.
    36. Frisancho, Veronica & Herrera, Alejandro & Prina, Silvia, 2023. "Can a mobile-app-based behavioral intervention teach financial skills to youth? Experimental evidence from a financial diaries study," Journal of Economic Behavior & Organization, Elsevier, vol. 214(C), pages 595-614.
    37. Nidia Garc�a Boh�rquez & Fayber Alfonso Acosta Pardo & Jorge Leonardo Rueda Gil, 2013. "Determinantes de la Alfabetizaci�n Financiera de la Poblaci�n Bogotana Bancarizada," Borradores de Economia 11096, Banco de la Republica.
    38. Yoshihiko KADOYA & Mostafa Saidur Rahim KHAN, 2016. "Can Financial Literacy Reduce Anxiety about Life in Old Age?," Discussion papers 16076, Research Institute of Economy, Trade and Industry (RIETI).
    39. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Hamada & Alvaro Dominguez, 2018. "Financial literacy and anxiety about life in old age: evidence from the USA," Review of Economics of the Household, Springer, vol. 16(3), pages 859-878, September.
    40. Emanuele Millemaci & Robert J. Waldmann, 2016. "Present-Biased Preferences and Money Demand," De Economist, Springer, vol. 164(2), pages 187-207, June.
    41. Jappelli, Tullio & Padula, Mario, 2013. "Investment in financial literacy and saving decisions," Journal of Banking & Finance, Elsevier, vol. 37(8), pages 2779-2792.
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    33. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    34. Cull,Robert J. & Gan,Li & Gao,Nan & Xu,L. Colin & Cull,Robert J. & Gan,Li & Gao,Nan & Xu,L. Colin, 2015. "Dual credit markets and household access to finance : evidence from a representative Chinese household survey," Policy Research Working Paper Series 7454, The World Bank.
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    525. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2012. "Financial literacy and the financial crisis," Policy Research Working Paper Series 5980, The World Bank.
    526. Keith Jacks Gamble & Patricia A. Boyle & Lei Yu & David A. Bennett, 2015. "Aging and Financial Decision Making," Management Science, INFORMS, vol. 61(11), pages 2603-2610, November.
    527. S. Ananda & Raghavendra Prasanna Kumar & Tamanna Dalwai, 2024. "Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 843-854, September.
    528. Imran Khan & Mohammed Anam Akhtar, 2021. "Does Demographic Characteristics Affect Remittance Behavior? An Analysis of Migrants in the UAE," Contemporary Review of the Middle East, , vol. 8(4), pages 435-459, December.
    529. Zhang, Dayong & Managi, Shunsuke, 2020. "Financial development, natural disasters, and economics of the Pacific small island states," Economic Analysis and Policy, Elsevier, vol. 66(C), pages 168-181.
    530. Li Liao & Jing Jian Xiao & Weiqiang Zhang & Congyi Zhou, 2017. "Financial literacy and risky asset holdings: evidence from China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 57(5), pages 1383-1415, December.
    531. Muhammad Naveed & Shoaib Ali, 2024. "Does Risk Tolerance Mediates the Relationship Between Financial Literacy and Financial Wellbeing During COVID-19: Empirical Evidence From an Emerging Economy," SAGE Open, , vol. 14(4), pages 21582440241, December.
    532. Holzknecht, Armando & Huber, Jürgen & Kirchler, Michael & Neugebauer, Tibor, 2025. "Speculating in zero-value assets: The greater fool game experiment," European Economic Review, Elsevier, vol. 180(C).
    533. K. Majamaa & A.-R. Lehtinen, 2022. "An Analysis of Finnish Debtors Who Defaulted in 2014–2016 Because of Unsecured Credit Products," Journal of Consumer Policy, Springer, vol. 45(4), pages 595-617, December.
    534. Noemi Oggero & Maria Cristina Rossi & Elisa Ughetto, 2019. "Entrepreneurial Spirits in Women and Men. The Role of Financial Literacy and Digital Skills," Working papers 059, Department of Economics, Social Studies, Applied Mathematics and Statistics (Dipartimento di Scienze Economico-Sociali e Matematico-Statistiche), University of Torino.
    535. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    536. Yu Zhang & Swarn Chatterjee, 2023. "Financial Well-Being in the United States: The Roles of Financial Literacy and Financial Stress," Sustainability, MDPI, vol. 15(5), pages 1-18, March.
    537. Frank van Erp & Niels Vermeer & Daniel van Vuuren, 2013. "Non-financial determinants of retirement," CPB Discussion Paper 243, CPB Netherlands Bureau for Economic Policy Analysis.
    538. Ewa Mazurek-Krasodomska & Gabriela Golawska & Anna Rzeczycka, 2017. "Financial Capacity: Do students know what they need to know?," Working Papers 2017-04, Faculty of Economic Sciences, University of Warsaw.
    539. Drakopoulos, Stavros A., 2020. "The Marginalization of Absolute and Relative Income Hypotheses of Consumption and the Role of Fiscal Policy," MPRA Paper 98569, University Library of Munich, Germany.
    540. Aldunate, Felipe & Da, Zhi & Larrain, Borja & Sialm, Clemens, 2025. "Pension fund flows, exchange rates, and covered interest rate parity," Journal of Financial Economics, Elsevier, vol. 170(C).
    541. Bucher-Koenen, Tabea & Janssen, Bennet & Knebel, Caroline & Tzamourani, Panagiota, 2023. "Financial literacy, stock market participation, and financial well-being in Germany," ZEW Discussion Papers 23-071, ZEW - Leibniz Centre for European Economic Research.
    542. Sebastian Heidel & Roland Happ, 2023. "Challenges in Understanding Western Economic and Financial Concepts from the Perspective of Young Adults with a Post-Soviet Migration Background in Germany—Findings from a Qualitative Interview Study," JRFM, MDPI, vol. 16(3), pages 1-21, March.
    543. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    544. Nicole Jonker & Anneke Kosse, 2022. "The interplay of financial education, financial inclusion and financial stability and the role of Big Tech," Contemporary Economic Policy, Western Economic Association International, vol. 40(4), pages 612-635, October.
    545. Muhammad Arsalan Hashmi & M Abdullah & Tariq Jalees & Ume Amen & Muhammad Arsalan, 2023. "Do Personality Traits and Cultural Norms Influence Investment Decisions? The Role of Financial Literacy and Investor Overconfidence," Journal of Economic Impact, Science Impact Publishers, vol. 5(1), pages 106-113.
    546. Ke Ma & Mohamad Fazli Sabri, 2026. "The Internal Structure of Financial Literacy in China: Evidence from Publicly Released Survey Statistics," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(2), pages 8663-8670, February.
    547. Lena Dräger & Giang Nghiem, 2016. "Are Consumers’ Spending Decisions in Line With an Euler Equation?," Working Papers 1802, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 26 Jan 2018.
    548. Sundar, B. & Virmani, Vineet, 2013. "Numeracy and Financial Literacy of Forest Dependent Communities Evidence from Andhra Pradesh," IIMA Working Papers WP2013-09-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    549. Demirguc-Kunt,Asli & Klapper,Leora & Panos,Georgios A., 2016. "Saving for old age," Policy Research Working Paper Series 7693, The World Bank.
    550. Vékás, Péter & Banyár, József, 2016. "A pénzügyi termékek ára [The price of financial products]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(4), pages 380-406.
    551. Struckell, Elisabeth M. & Patel, Pankaj C. & Ojha, Divesh & Oghazi, Pejvak, 2022. "Financial literacy and self employment – The moderating effect of gender and race," Journal of Business Research, Elsevier, vol. 139(C), pages 639-653.
    552. Chen, Jia & Jiang, Jiajun & Liu, Yu-jane, 2018. "Financial literacy and gender difference in loan performance," Journal of Empirical Finance, Elsevier, vol. 48(C), pages 307-320.
    553. Olivier Armantier & Sebastian Doerr & Jon Frost & Andreas Fuster & Kelly Shue, 2024. "Nothing to hide? Gender and age differences in the willingness to share data," BIS Working Papers 1187, Bank for International Settlements.
    554. Lars Hornuf & David J. Streich & Niklas Töllich, 2025. "Making GenAI Smarter: Evidence from a Portfolio Allocation Experiment," CESifo Working Paper Series 11862, CESifo.
    555. Jung, Alexander & Mongelli, Francesco Paolo, 2025. "Central bank communication with non-experts: insights from a randomized field experiment," Working Paper Series 3103, European Central Bank.
    556. Philippe d’Astous & Franca Glenzer, 2026. "Overconfidence, Knowledge of the Retirement Income System, and Retirement Planning," Cahiers de recherche / Working Papers 22, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    557. Ioannis Petrakis & Georgios A. Panos, 2025. "Pension Policy and Personal Finance: Defined-Contribution Plans and Retirement Strategies in the United Kingdom," Working Papers 2025_06, Business School - Economics, University of Glasgow.
    558. Bussoli, Candida & Fattobene, Lucrezia, 2026. "Can you read this chart? Evidence from the U.S. on financial graph literacy and its impact on behaviour," International Review of Economics & Finance, Elsevier, vol. 106(C).
    559. Haag, Lucy & Oberrauch, Luis & Brahm, Taiga & Biewen, Martin, 2025. "Understanding the Gender Gap in Economic Literacy – Evidence from Germany," EconStor Preprints 308430, ZBW - Leibniz Information Centre for Economics.
    560. Elsa Fornero, 2014. "Economic-financial literacy and (sustainable) pension reforms: why the former is a key ingredient for the latter," CeRP Working Papers 144, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    561. D'Hondt, Catherine & Elhichou Elmaya, Younes & Petitjean, Mikael, 2020. "Retail Investing in Passive Exchange Traded Funds," LIDAM Discussion Papers LFIN 2020013, Université catholique de Louvain, Louvain Finance (LFIN).
    562. Lechevalier, Sébastien & Monfort, Brieuc, 2025. "Japan at the forefront of the economics of aging? A bibliometric analysis," The Journal of the Economics of Ageing, Elsevier, vol. 32(C).
    563. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.
    564. Alessandro Bucciol & Martina Manfre' & Marcella Veronesi, 2018. "The Role of Financial Literacy and Money Education on Wealth Decisions," Working Papers 05/2018, University of Verona, Department of Economics.
    565. Yaakov Itach, 2019. "Financial Literacy Level Of High School Students And Its Economic Patterns Reflections," Almanac of PhD Students, D. A. Tsenov Academy of Economics, Svishtov, Bulgaria, vol. 15(15 Year 2), pages 518-537.
    566. Mantilla, Cesar, 2014. "Financial literacy in Colombia seen through the lens of the interest rate bias," IAST Working Papers 14-12, Institute for Advanced Study in Toulouse (IAST).
    567. Horia Ioan Tulai & Codruța Maria Făt & Daniela Georgeta, 2021. "The current framework of financial education in Romania in the context of the informational economy," Journal of Financial Studies, Institute of Financial Studies, vol. 10(6), pages 33-47, May.

  45. Annamaria Lusardi & Daniel Schneider & Peter Tufano, 2010. "The Economic Crisis and Medical Care Usage," CeRP Working Papers 98, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Tekin, Erdal & McClellan, Chandler & Minyard, Karen Jean, 2013. "Health and Health Behaviors during the Worst of Times: Evidence from the Great Recession," IZA Discussion Papers 7538, IZA Network @ LISER.
    2. Sarah A. Burgard & Jennifer A. Ailshire & Lucie Kalousova, 2013. "The Great Recession and Health," The ANNALS of the American Academy of Political and Social Science, , vol. 650(1), pages 194-213, November.
    3. Janet Currie & Erdal Tekin, 2011. "Is there a Link Between Foreclosure and Health?," NBER Working Papers 17310, National Bureau of Economic Research, Inc.
    4. Lin, Haizhen & Ketcham, Jonathan D. & Rosenquist, James N. & Simon, Kosali I., 2013. "Financial distress and use of mental health care: Evidence from antidepressant prescription claims," Economics Letters, Elsevier, vol. 121(3), pages 449-453.
    5. McInerney, Melissa & Mellor, Jennifer M., 2012. "Recessions and seniors’ health, health behaviors, and healthcare use: Analysis of the Medicare Current Beneficiary Survey," Journal of Health Economics, Elsevier, vol. 31(5), pages 744-751.
    6. Atalay, Kadir & Bakhtiar, Fayzan & Cheung, Stephen L. & Slonim, Robert, 2013. "Savings and Prize-Linked Savings Accounts," Working Papers 2013-12, University of Sydney, School of Economics.
    7. French, Declan & Vigne, Samuel, 2019. "The causes and consequences of household financial strain: A systematic review," International Review of Financial Analysis, Elsevier, vol. 62(C), pages 150-156.
    8. Boen, Courtney & Yang, Y. Claire, 2016. "The physiological impacts of wealth shocks in late life: Evidence from the Great Recession," Social Science & Medicine, Elsevier, vol. 150(C), pages 221-230.
    9. Rechel, Boika & Suhrcke, Marc & Tsolova, Svetla & Suk, Jonathan E. & Desai, Monica & McKee, Martin & Stuckler, David & Abubakar, Ibrahim & Hunter, Paul & Senek, Michaela & Semenza, Jan C., 2011. "Economic crisis and communicable disease control in Europe: A scoping study among national experts," Health Policy, Elsevier, vol. 103(2), pages 168-175.
    10. Annamaria Lusardi & Daniel J. Schneider & Peter Tufano, 2011. "Financially Fragile Households: Evidence and Implications," NBER Working Papers 17072, National Bureau of Economic Research, Inc.
    11. Johanna Catherine Maclean & Jonathan H. Cantor & Rosalie Liccardo Pacula, 2015. "Economic downturns and substance abuse treatment: Evidence from admissions data," DETU Working Papers 1504, Department of Economics, Temple University.
    12. Firas AlOmari & Abu Bakar A. Hamid, 2022. "Strategies to improve patient loyalty and medication adherence in Syrian healthcare setting: The mediating role of patient satisfaction," PLOS ONE, Public Library of Science, vol. 17(11), pages 1-27, November.
    13. Gibson-Davis, Christina & Boen, Courtney E. & Keister, Lisa A. & Lowell, Warren, 2023. "Net worth poverty and adult health," Social Science & Medicine, Elsevier, vol. 318(C).
    14. Erdal Tekin & Chandler McClellan & Karen Jean Minyard, 2013. "Health and Health Behaviors during the Worst of Times," NBER Working Papers 19234, National Bureau of Economic Research, Inc.
    15. Amitabh Chandra & Jonathan Holmes & Jonathan Skinner, 2013. "Is This Time Different? The Slowdown in Healthcare Spending," NBER Working Papers 19700, National Bureau of Economic Research, Inc.
    16. Adriana AnaMaria Davidescu & Simona-Andreea Apostu & Aurel Marin, 2021. "Forecasting the Romanian Unemployment Rate in Time of Health Crisis—A Univariate vs. Multivariate Time Series Approach," IJERPH, MDPI, vol. 18(21), pages 1-31, October.
    17. Germán M. Izón & Chelsea A. Pardini, 2017. "Cost inefficiency under financial strain: a stochastic frontier analysis of hospitals in Washington State through the Great Recession," Health Care Management Science, Springer, vol. 20(2), pages 232-245, June.
    18. Okeke, Edward N., 2013. "Brain drain: Do economic conditions “push” doctors out of developing countries?," Social Science & Medicine, Elsevier, vol. 98(C), pages 169-178.
    19. Ernst-Jan Bruijn & Gerrit Antonides, 2022. "Poverty and economic decision making: a review of scarcity theory," Theory and Decision, Springer, vol. 92(1), pages 5-37, February.
    20. Yilmazer, Tansel & Babiarz, Patryk & Liu, Fen, 2015. "The impact of diminished housing wealth on health in the United States: Evidence from the Great Recession," Social Science & Medicine, Elsevier, vol. 130(C), pages 234-241.
    21. Dino Rizzi & Carlo Simionato & Francesca Zantomio, 2019. "Older people health and access to healthcare. A retrospective look at inequality dynamics over the past decade," Working Papers 2019: 26, Department of Economics, University of Venice "Ca' Foscari".

  46. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Daniel Fernandes & John G. Lynch & Richard G. Netemeyer, 2014. "Financial Literacy, Financial Education, and Downstream Financial Behaviors," Management Science, INFORMS, vol. 60(8), pages 1861-1883, August.
    2. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    3. Jean Damascene MVUNABANDI & Lawrence GADZIKWA, 2024. "A Cognitive Analysis Of Consumer Literacy Training And Financial Capability Improvement Among South Africans: A Cross-Sectional Study," Oradea Journal of Business and Economics, University of Oradea, Faculty of Economics, vol. 9(1), pages 44-62, March.
    4. Estaban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 725, Banco de la Republica de Colombia.
    5. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    6. Sergio Hernández Mejía & Elena Moreno García, 2025. "Ahorro para emergencias, la inclusión y la educación financiera en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 20(2), pages 1-22, Abril - J.
    7. Ruiting Sun & Xueping Xiong, 2023. "The Impact of Income on Rural Residents’ Retirement Saving: Evidence from China," Agriculture, MDPI, vol. 13(9), pages 1-14, September.
    8. Annamaria Lusardi & Carlo de Bassa Scheresberg, 2013. "Financial Literacy and High-Cost Borrowing in the United States," NBER Working Papers 18969, National Bureau of Economic Research, Inc.
    9. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers WR-893-SSA, RAND Corporation.
    10. Esteban G�mez Gonz�lez & Nancy Zamudio G�mez, 2012. "Las capacidades financieras de la poblaci�n colombiana," Borradores de Economia 9828, Banco de la Republica.
    11. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    12. Kyoung Tae Kim & Jonghee Lee, 2024. "Unlocking Financial Well-Being for People With Disabilities: The Importance of Financial Knowledge and Socialization Within the Family Context," SAGE Open, , vol. 14(2), pages 21582440241, May.
    13. Piotrowska, Maria, 2019. "The importance of personality characteristics and behavioral constraints for retirement saving," Economic Analysis and Policy, Elsevier, vol. 64(C), pages 194-220.
    14. Andreas Chai, 2018. "Household consumption patterns and the sectoral composition of growing economies: A review of the interlinkages," Discussion Papers in Economics economics:201802, Griffith University, Department of Accounting, Finance and Economics.
    15. Bao, Yong & Bond, Timothy N. & Sun, Ruiting & Xiong, Xueping, 2025. "Voluntary retirement savings in China: A spatial ordered probit approach," Regional Science and Urban Economics, Elsevier, vol. 111(C).

  47. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy and Financial Sophistication in the Older Population: Evidence from the 2008 HRS," Working Papers wp216, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    2. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2017. "Cognitive Bias in Insurance: Evidence from India," CEPR Discussion Papers 12242, Centre for Economic Policy Research.
    3. Martin-Bassols, Nicolau, 2024. "Risky and non-risky financial investments and cognition," Journal of Economic Psychology, Elsevier, vol. 100(C).
    4. García, J. & Gómez, Y. & Vila, J., 2022. "Financial overconfidence, promotion of financial advice, and aging," Journal of Business Research, Elsevier, vol. 145(C), pages 325-333.
    5. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2021. "Cognitive bias in insurance: Evidence from a health scheme in India," World Development, Elsevier, vol. 144(C).

  48. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy among the Young," Working Papers wp191, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    2. Bruce Ian Carlin & David T. Robinson, 2010. "What Does Financial Literacy Training Teach Us?," NBER Working Papers 16271, National Bureau of Economic Research, Inc.
    3. Georgios Pakos & Panagiotis Mpogiatzidis, 2025. "Financial Literacy Among Healthcare Providers: A Systematic Review," JRFM, MDPI, vol. 18(1), pages 1-25, January.
    4. Giovanni Gallo & Costanza Torricelli & Arthur van Soest, 2016. "Individual heterogeneity and pension choices: How to communicate an effective message?," Center for the Analysis of Public Policies (CAPP) 0136, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    5. Süleyman Uyar & Işıl Atalay, 2021. "Financial Literacy and The Effect of Courses on University on Financial Literacy," Muhasebe Enstitusu Dergisi - Journal of Accounting Institute, Istanbul University Business School, vol. 64(64), pages 1-17, January.
    6. Jere R. Behrman & Olivia S. Mitchell & Cindy Soo & David Bravo, 2010. "Financial Literacy, Schooling, and Wealth Accumulation," NBER Working Papers 16452, National Bureau of Economic Research, Inc.
    7. Geng Li, 2009. "Information sharing and stock market participation: evidence from extended families," Finance and Economics Discussion Series 2009-47, Board of Governors of the Federal Reserve System (U.S.).
    8. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    9. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    10. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    11. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    12. Ali Saleh Alshebami & Theyazn H. H. Aldhyani, 2022. "The Interplay of Social Influence, Financial Literacy, and Saving Behaviour among Saudi Youth and the Moderating Effect of Self-Control," Sustainability, MDPI, vol. 14(14), pages 1-18, July.
    13. Giovanni Gallo & Costanza Torricelli & Arthur van Soest, 2016. "Individual heterogeneity and pension choices: How to communicate an effective message?," Department of Economics 0080, University of Modena and Reggio E., Faculty of Economics "Marco Biagi".
    14. Massimo Filippini & Nilkanth Kumar & Suchita Srinivasan, 2019. "Energy-related financial literacy and bounded rationality in appliance replacement attitudes: Evidence from Nepal," CER-ETH Economics working paper series 19/315, CER-ETH - Center of Economic Research (CER-ETH) at ETH Zurich.
    15. Arceo-Gómez, Eva O. & Villagómez, F. Alejandro, 2017. "Financial literacy among Mexican high school teenagers," International Review of Economics Education, Elsevier, vol. 24(C), pages 1-17.
    16. Kamil Filipek & Andrzej Cwynar & Wiktor Cwynar, 2019. "Does Social Capital Influence Debt Literacy? The Case of Facebook Users in Poland," Prague Economic Papers, Prague University of Economics and Business, vol. 2019(5), pages 567-588.
    17. Annamaria Lusardi & Olivia S. Mitchell, 2009. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," NBER Working Papers 15350, National Bureau of Economic Research, Inc.
    18. Yiing Jia Loke, 2017. "Financial Vulnerability of Working Adults in Malaysia," Contemporary Economics, Vizja University, vol. 11(2), June.
    19. Annamaria Lusardi & Peter Tufano, 2009. "Debt Literacy, Financial Experiences, and Overindebtedness," NBER Working Papers 14808, National Bureau of Economic Research, Inc.
    20. Binswanger, J. & Carman, K.G., 2010. "The Miracle of Compound Interest : Does our Intuition Fail?," Discussion Paper 2010-137, Tilburg University, Center for Economic Research.
    21. Moreno G., Elena & Venegas-Martínez, Francisco & Baraya, Aristides R. (ed.), 2019. "Tópicos Selectos sobre Inclusión y Educación Financiera en el Contexto Mexicano," Sección de Estudios de Posgrado e Investigación de la Escuela Superios de Economía del Instituto Politécnico Nacional, Escuela Superior de Economía, Instituto Politécnico Nacional, edition 1, volume 1, number 023, Segundo s.
    22. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    23. Justine Hastings & Olivia S. Mitchell, 2010. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," Working Papers wp233, University of Michigan, Michigan Retirement Research Center.
    24. Claire Greene & Oz Shy & Joanna Stavins, 2023. "Personality Traits and Financial Outcomes," Working Papers 23-4, Federal Reserve Bank of Boston.
    25. Sidney Anderson & Linda Nasr & Steven W. Rayburn, 2018. "Transformative service research and service design: synergistic effects in healthcare," The Service Industries Journal, Taylor & Francis Journals, vol. 38(1-2), pages 99-113, January.
    26. Anderson, Laurel & Ostrom, Amy L. & Corus, Canan & Fisk, Raymond P. & Gallan, Andrew S. & Giraldo, Mario & Mende, Martin & Mulder, Mark & Rayburn, Steven W. & Rosenbaum, Mark S. & Shirahada, Kunio & W, 2013. "Transformative service research: An agenda for the future," Journal of Business Research, Elsevier, vol. 66(8), pages 1203-1210.
    27. Alfonso Arellano & Noelia Camara & David Tuesta, 2015. "Explaining the Gender Gap in Financial Literacy: the Role of Non-Cognitive Skills," Working Papers 15/32, BBVA Bank, Economic Research Department.
    28. Saeed Pahlevan Sharif & Ashraf Sadat Ahadzadeh & Jason James Turner, 2020. "Gender Differences in Financial Literacy and Financial Behaviour Among Young Adults: The Role of Parents and Information Seeking," Journal of Family and Economic Issues, Springer, vol. 41(4), pages 672-690, December.
    29. Eun Kim & Sherman Hanna & Swarn Chatterjee & Suzanne Lindamood, 2012. "Who Among the Elderly Owns Stocks? The Role of Cognitive Ability and Bequest Motive," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 338-352, September.
    30. Bharat Singh Thapa & Surendra Raj Nepal, 2015. "Financial Literacy in Nepal: A Survey Analysis from College Students," NRB Economic Review, Nepal Rastra Bank, Economic Research Department, vol. 27(1), pages 49-74, April.
    31. Cheng, Lingguo & Lu, Yunfeng, 2024. "Risk attitudes across the life course: Evidence from China," China Economic Review, Elsevier, vol. 88(C).
    32. Jariwala Harsha Vijaykumar, 2022. "The Association of Financial Socialization with Financial Self-Efficacy and Autonomy: A Study of Young Students in India," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 397-414, June.
    33. Jasmina Okicic & Meldina Kokorovic Jukan & Mensur Heric, 2021. "Some Insights Into Financial Literacy Among Undergraduate Students: A Case of Bosnia and Herzegovina," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 12(3), pages 103-115, May.
    34. Thomas Lalime & Pierre-Carl Michaud, 2012. "Littératie financière et préparation à la retraite au Québec et dans le reste du Canada," Cahiers de recherche 1237, CIRPEE.
    35. Hernández-Mejía, Sergio & Manrique-Morteo, Georgina & Venegas-Martínez, Francisco, 2019. "Financial literacy and its relationship with the personal financial decisions: an analysis of gender differences," Sección de Estudios de Posgrado e Investigación de la Escuela Superios de Economía del Instituto Politécnico Nacional, in: Moreno-García, Elena & Venegas-Martínez, Francisco & Baraya, Aristides R. (ed.), Tópicos Selectos sobre Inclusión y Educación Finnaciera en el Contexto Mexicano, volume 1, chapter 7, pages 257-287, Escuela Superior de Economía, Instituto Politécnico Nacional.
    36. Alejandro Villagómez Amezcua & José Antonio Hidalgo Everardo, 2017. "Financial Literacy and Mathematics: A Study Among Young Mexican High School Students," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 12(2), pages 1-22, Abril-Jun.
    37. Tanmoyee Banerjee & Malabika Roy, 2020. "Financial Literacy: An Intra-Household Case Study from West Bengal, India," Studies in Microeconomics, , vol. 8(2), pages 170-193, December.
    38. Carlos J. Asarta & Andrew T. Hill & Bonnie T. Meszaros, 2013. "The Features and Effectiveness of the Keys to Financial Success Curriculum," Working Papers 13-13, University of Delaware, Department of Economics.
    39. Andrew T. Hill & Carlos J. Asarta, 2015. "Gender and Student Achievement in Personal Finance: Evidence from Keys to Financial Success," Working Papers 15-01, University of Delaware, Department of Economics.
    40. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy and Financial Sophistication Among Older Americans," NBER Working Papers 15469, National Bureau of Economic Research, Inc.
    41. Eva Kicova & Lucia Svabova & Olga Ponisciakova & Zuzana Rosnerova, 2025. "Forecasting Financial Literacy Levels with Respect to Consumer Shopping Behaviour," IJFS, MDPI, vol. 13(1), pages 1-33, February.
    42. Nikolaos Satsios & Spyros Hadjidakis, 2018. "Applying the Theory of Planned Behaviour (TPB) in Saving Behaviour of Pomak Households," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 9(2), pages 122-133, April.
    43. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.

  49. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy among the Young: Evidence and Implications for Consumer Policy," CeRP Working Papers 91, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," MPRA Paper 89452, University Library of Munich, Germany.
    2. Justine S. Hastings & Olivia S. Mitchell, 2011. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," NBER Working Papers 16740, National Bureau of Economic Research, Inc.
    3. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    4. Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas, 2014. "Financial literacy and its consequences in the emerging middleclass," Kiel Working Papers 1943, Kiel Institute for the World Economy.
    5. John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian, 2011. "Behavioral Economics Perspectives on Public Sector Pension Plans," NBER Working Papers 16728, National Bureau of Economic Research, Inc.
    6. Giovanni Gallo & Costanza Torricelli & Arthur van Soest, 2016. "Individual heterogeneity and pension choices: How to communicate an effective message?," Center for the Analysis of Public Policies (CAPP) 0136, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    7. Süleyman Uyar & Işıl Atalay, 2021. "Financial Literacy and The Effect of Courses on University on Financial Literacy," Muhasebe Enstitusu Dergisi - Journal of Accounting Institute, Istanbul University Business School, vol. 64(64), pages 1-17, January.
    8. Jere R. Behrman & Olivia S. Mitchell & Cindy Soo & David Bravo, 2010. "Financial Literacy, Schooling, and Wealth Accumulation," NBER Working Papers 16452, National Bureau of Economic Research, Inc.
    9. Geng Li, 2009. "Information sharing and stock market participation: evidence from extended families," Finance and Economics Discussion Series 2009-47, Board of Governors of the Federal Reserve System (U.S.).
    10. Yoshihiko KADOYA & Mostafa Saidur Rahim KHAN, 2016. "Can Financial Literacy Reduce Anxiety about Life in Old Age?," Discussion papers 16076, Research Institute of Economy, Trade and Industry (RIETI).
    11. Anna V. Diachkova & Elena S. Avramenko & Mavzuna Kh. Melikova, 2020. "Budget, motives and strategies for financial independence of undergraduates," Economic Consultant, Scientific and Educational Initiative LLC, vol. 32(4), pages 94-107.
    12. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Hamada & Alvaro Dominguez, 2018. "Financial literacy and anxiety about life in old age: evidence from the USA," Review of Economics of the Household, Springer, vol. 16(3), pages 859-878, September.
    13. Jappelli, Tullio & Padula, Mario, 2013. "Investment in financial literacy and saving decisions," Journal of Banking & Finance, Elsevier, vol. 37(8), pages 2779-2792.
    14. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    15. Annamaria Lusardi & Olivia S. Mitchell, 2017. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," Quarterly Journal of Finance (QJF), World Scientific Publishing Co. Pte. Ltd., vol. 7(03), pages 1-31, September.
    16. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    17. Xu, Lisa & Zia, Bilal, 2012. "Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward," Policy Research Working Paper Series 6107, The World Bank.
    18. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan, 2016. "What Determines Financial Literacy in Japan?," ISER Discussion Paper 0982, Institute of Social and Economic Research, The University of Osaka.
    19. Ali Saleh Alshebami & Theyazn H. H. Aldhyani, 2022. "The Interplay of Social Influence, Financial Literacy, and Saving Behaviour among Saudi Youth and the Moderating Effect of Self-Control," Sustainability, MDPI, vol. 14(14), pages 1-18, July.
    20. Guiso, Luigi, 2012. "Household Finance: An Emerging Field," CEPR Discussion Papers 8934, Centre for Economic Policy Research.
    21. Giovanni Gallo & Costanza Torricelli & Arthur van Soest, 2016. "Individual heterogeneity and pension choices: How to communicate an effective message?," Department of Economics 0080, University of Modena and Reggio E., Faculty of Economics "Marco Biagi".
    22. B. Ronchini, 2015. "Il ruolo emergente dell'edutainment nei percorsi di educazione finanziaria," Economics Department Working Papers 2015-EF03, Department of Economics, Parma University (Italy).
    23. Massimo Filippini & Nilkanth Kumar & Suchita Srinivasan, 2019. "Energy-related financial literacy and bounded rationality in appliance replacement attitudes: Evidence from Nepal," CER-ETH Economics working paper series 19/315, CER-ETH - Center of Economic Research (CER-ETH) at ETH Zurich.
    24. Guo, Qiyang & Qian, Yuting & Tan, Weiqiang & Xie, Zhiju, 2024. "Does financial literacy drive entrepreneurship in rural China?," Finance Research Letters, Elsevier, vol. 61(C).
    25. Stanley Yap Peng Lok & Wei Ying Chong & Hon Wei Leow, 2017. "Financial Literacy: Literature Review and Research Directions," Proceedings of Business and Management Conferences 5607972, International Institute of Social and Economic Sciences.
    26. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," EconStor Preprints 183168, ZBW - Leibniz Information Centre for Economics.
    27. Dorota Krupa & Michał Buszko, 2023. "Age-dependent differences in using FinTech products and services—Young customers versus other adults," PLOS ONE, Public Library of Science, vol. 18(10), pages 1-20, October.
    28. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2013. "Financial literacy and its consequences: Evidence from Russia during the financial crisis," Journal of Banking & Finance, Elsevier, vol. 37(10), pages 3904-3923.
    29. E. Bocchialini & B. Ronchini, 2015. "I divari di genere nella financial literacy: un'indagine empirica," Economics Department Working Papers 2015-EF01, Department of Economics, Parma University (Italy).
    30. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan, 2020. "Financial Literacy in Japan: New Evidence Using Financial Knowledge, Behavior, and Attitude," Sustainability, MDPI, vol. 12(9), pages 1-15, May.
    31. J. C. Hauff & A. Carlander & T. Gärling & G. Nicolini, 2020. "Retirement Financial Behaviour: How Important Is Being Financially Literate?," Journal of Consumer Policy, Springer, vol. 43(3), pages 543-564, September.
    32. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers WR-893-SSA, RAND Corporation.
    33. Judith Scott-Clayton, 2012. "Information Constraints and Financial Aid Policy," NBER Working Papers 17811, National Bureau of Economic Research, Inc.
    34. Elliott, William & Kim, Johnny S., 2013. "The role of identity-based motivation and solution-focus brief therapy in unifying accounts and financial education in school-related CDA programs," Children and Youth Services Review, Elsevier, vol. 35(3), pages 402-410.
    35. Binswanger, J. & Carman, K.G., 2010. "The Miracle of Compound Interest : Does our Intuition Fail?," Discussion Paper 2010-137, Tilburg University, Center for Economic Research.
    36. Bruce Ian Carlin & David T. Robinson, 2012. "What Does Financial Literacy Training Teach Us?," The Journal of Economic Education, Taylor & Francis Journals, vol. 43(3), pages 235-247, July.
    37. Claire Greene & Oz Shy & Joanna Stavins, 2023. "Personality Traits and Financial Outcomes," Working Papers 23-4, Federal Reserve Bank of Boston.
    38. M. A. Milioli & L. Poletti & B. Ronchini, 2011. "L’educazione finanziaria degli studenti universitari: misurazione e analisi delle determinanti," Economics Department Working Papers 2011-EF01, Department of Economics, Parma University (Italy).
    39. Samira Ben Belgacem & Ghousia Khatoon & Hussaini Bala & Abad Alzuman, 2024. "The Role of Financial Technology on the Nexus Between Demographic, Socio-economic, and Psychological Factors, and the Financial Literacy Gap," SAGE Open, , vol. 14(2), pages 21582440241, May.
    40. Sidney Anderson & Linda Nasr & Steven W. Rayburn, 2018. "Transformative service research and service design: synergistic effects in healthcare," The Service Industries Journal, Taylor & Francis Journals, vol. 38(1-2), pages 99-113, January.
    41. Anderson, Laurel & Ostrom, Amy L. & Corus, Canan & Fisk, Raymond P. & Gallan, Andrew S. & Giraldo, Mario & Mende, Martin & Mulder, Mark & Rayburn, Steven W. & Rosenbaum, Mark S. & Shirahada, Kunio & W, 2013. "Transformative service research: An agenda for the future," Journal of Business Research, Elsevier, vol. 66(8), pages 1203-1210.
    42. Alfonso Arellano & Noelia Camara & David Tuesta, 2015. "Explaining the Gender Gap in Financial Literacy: the Role of Non-Cognitive Skills," Working Papers 15/32, BBVA Bank, Economic Research Department.
    43. Saeed Pahlevan Sharif & Ashraf Sadat Ahadzadeh & Jason James Turner, 2020. "Gender Differences in Financial Literacy and Financial Behaviour Among Young Adults: The Role of Parents and Information Seeking," Journal of Family and Economic Issues, Springer, vol. 41(4), pages 672-690, December.
    44. William B DeHart & Jonathan E Friedel & Jean M Lown & Amy L Odum, 2016. "The Effects of Financial Education on Impulsive Decision Making," PLOS ONE, Public Library of Science, vol. 11(7), pages 1-16, July.
    45. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Planning: Implications for Retirement Wellbeing," NBER Working Papers 17078, National Bureau of Economic Research, Inc.
    46. Eun Kim & Sherman Hanna & Swarn Chatterjee & Suzanne Lindamood, 2012. "Who Among the Elderly Owns Stocks? The Role of Cognitive Ability and Bequest Motive," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 338-352, September.
    47. Bharat Singh Thapa & Surendra Raj Nepal, 2015. "Financial Literacy in Nepal: A Survey Analysis from College Students," NRB Economic Review, Nepal Rastra Bank, Economic Research Department, vol. 27(1), pages 49-74, April.
    48. Rekha Reddy & Miriam Bruhn & Congyan Tan & Miriam Bruhn, 2013. "Financial Capability in Mexico : Results from a National Survey on Financial Behaviors, Attitudes, and Knowledge [Capacidades financieras en México : resultados de la encuesta nacional sobre comportamientos, actitudes y conocimientos financieros]," World Bank Publications - Reports 16756, The World Bank Group.
    49. Cambpbell, John Y. & Jackson, Howell Edmunds & Madrian, Brigitte & Tufano, Peter, 2010. "The Regulation of Consumer Financial Products: An Introductory Essay with Four Case Studies," Scholarly Articles 4450128, Harvard Kennedy School of Government.
    50. Marta Cota & Ante Sterc, 2024. "Financial Skills and Search in the Mortgage Market," CERGE-EI Working Papers wp780, The Center for Economic Research and Graduate Education - Economics Institute, Prague.
    51. Jariwala Harsha Vijaykumar, 2022. "The Association of Financial Socialization with Financial Self-Efficacy and Autonomy: A Study of Young Students in India," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 397-414, June.
    52. Joanne W. Hsu, 2011. "Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy," NFI Working Papers 2011-WP-06, Indiana State University, Scott College of Business, Networks Financial Institute.
    53. Thomas Lalime & Pierre-Carl Michaud, 2012. "Littératie financière et préparation à la retraite au Québec et dans le reste du Canada," Cahiers de recherche 1237, CIRPEE.
    54. Tanmoyee Banerjee & Malabika Roy, 2020. "Financial Literacy: An Intra-Household Case Study from West Bengal, India," Studies in Microeconomics, , vol. 8(2), pages 170-193, December.
    55. Mohamad Fazli Sabri & Rozita Wahab & Nurul Shahnaz Mahdzan & Amirah Shazana Magli & Husniyah Abd Rahim & Siti Shazwani Ahmad Suhaimi & Nur Shuhamin Nazuri, 2023. "An enigma of Malaysia’s low-income young adults: Mediation of financial behaviour on financial well-being and locus of control cohesion," PLOS ONE, Public Library of Science, vol. 18(7), pages 1-27, July.
    56. Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "The effect of self-confidence on financial literacy," Working Papers 1428, BBVA Bank, Economic Research Department.
    57. Angela Hung & Joanne Yoong & Elizabeth Brown, 2012. "Empowering Women Through Financial Awareness and Education," OECD Working Papers on Finance, Insurance and Private Pensions 14, OECD Publishing.
    58. Carlos J. Asarta & Andrew T. Hill & Bonnie T. Meszaros, 2013. "The Features and Effectiveness of the Keys to Financial Success Curriculum," Working Papers 13-13, University of Delaware, Department of Economics.
    59. Andrew T. Hill & Carlos J. Asarta, 2015. "Gender and Student Achievement in Personal Finance: Evidence from Keys to Financial Success," Working Papers 15-01, University of Delaware, Department of Economics.
    60. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy and Financial Sophistication Among Older Americans," NBER Working Papers 15469, National Bureau of Economic Research, Inc.
    61. Washington Macías & Shirley Espinoza & Lisset Gutiérrez & Regina Rodríguez, 2015. "Students’ perceived risk and investment intention: the effect of brand equity," Management & Marketing, Paradigm, vol. 10(3), pages 208-225, October.
    62. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2012. "Financial literacy and the financial crisis," Policy Research Working Paper Series 5980, The World Bank.
    63. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    64. Pașa Adina Teodora & Picatoste Xose & Gherghina Elena Mădălina, 2022. "Financial Literacy and Economic Growth: How Eastern Europe is Doing?," Economics - The Open-Access, Open-Assessment Journal, De Gruyter, vol. 16(1), pages 27-42, January.

  50. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Che-cheong Poon & Tai-Yuen Hon, 2015. "Household Savings in Hong Kong: A Statistical Analysis," Journal of Family and Economic Issues, Springer, vol. 36(3), pages 353-368, September.
    2. Nicolas Sirven, 2012. "On the Socio-Economic Determinants of Frailty: Findings from Panel and Retrospective Data from SHARE," Working Papers DT52, IRDES institut for research and information in health economics, revised Dec 2012.
    3. Flavia Coda Moscarola & Elsa Fornero & Steinar Strøm, 2016. "Absenteeism, childcare and the effectiveness of pension reforms," IZA Journal of European Labor Studies, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 5(1), pages 1-18, December.
    4. Dekkers, Gijs & Desmet, Raphaël, 2011. "Taking two to tango: the joint prospective assessment of pension sustainability and adequacy in Belgium," MPRA Paper 36138, University Library of Munich, Germany.
    5. Elsa Fornero, 2014. "Economic-financial literacy and (sustainable) pension reforms: why the former is a key ingredient for the latter," CeRP Working Papers 144, Center for Research on Pensions and Welfare Policies, Turin (Italy).

  51. Silvia Ardagna & Annamaria Lusardi, 2009. "Heterogeneity in the effect of regulation on entrepreneurship and entry size," NBER Working Papers 15510, National Bureau of Economic Research, Inc.

    Cited by:

    1. Pontus Braunerhjelm & Sameeksha Desai & Johan Eklund, 2015. "Regulation, firm dynamics and entrepreneurship," European Journal of Law and Economics, Springer, vol. 40(1), pages 1-11, August.
    2. Luo, Qi & Hu, Haoyu & Feng, Dawei & He, Xiaogang, 2022. "How does broadband infrastructure promote entrepreneurship in China: Evidence from a quasi-natural experiment," Telecommunications Policy, Elsevier, vol. 46(10).
    3. Braunerhjelm, Pontus, 2010. "Entrepreneurship, Innovation and Economic Growth - past experience, current knowledge and policy implications," Working Paper Series in Economics and Institutions of Innovation 224, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies.
    4. Saibal Ghosh, 2023. "Gender and discouraged borrowers: Evidence from India," Journal of International Development, John Wiley & Sons, Ltd., vol. 35(7), pages 1731-1752, October.
    5. Qin, Ni & Kong, Dongmin & Wang, Qin, 2024. "Trade liberalization and entrepreneurship: Evidence from China’s WTO accession," Journal of International Money and Finance, Elsevier, vol. 147(C).
    6. Cipollone, Angela & Giordani, Paolo E., 2019. "Market frictions in entrepreneurial innovation: Theory and evidence," Journal of Economic Behavior & Organization, Elsevier, vol. 163(C), pages 297-331.
    7. Kalyvas, Antonios Nikolaos & Mamatzakis, Emmanuel, 2014. "Does business regulation matter for banks in the European Union?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 32(C), pages 278-324.
    8. Ant Bozkaya & William R. Kerr, 2009. "Labor Regulations and European Private Equity," Working Papers CEB 09-055.RS, ULB -- Universite Libre de Bruxelles.
    9. John A. Dove, 2023. "One size fits all? The differential impact of federal regulation on early-stage entrepreneurial activity across US states," Journal of Regulatory Economics, Springer, vol. 63(1), pages 57-73, April.
    10. Braunerhjelm, Pontus & Eklund, Johan E., 2013. "Taxes, tax administrative burdens and new firm formation," Working Paper Series in Economics and Institutions of Innovation 312, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies.
    11. Kalaš Luka & Brajnik Irena Bačlija, 2017. "Administrative Burden Reduction Policies in Slovenia Revisited," Central European Journal of Public Policy, Paradigm, vol. 11(1), pages 28-40, June.
    12. Sorin Gabriel Anton & Ionel Bostan, 2017. "The Role of Access to Finance in Explaining Cross-National Variation in Entrepreneurial Activity: A Panel Data Approach," Sustainability, MDPI, vol. 9(11), pages 1-16, October.
    13. Cusolito,Ana Paula & Fattal Jaef,Roberto N. & Mare,Davide Salvatore & Singh,Akshat Vikram, 2024. "The Role of Financial (Mis)allocation on Real (Mis)allocation: Firm-level Evidence for European Countries," Policy Research Working Paper Series 10811, The World Bank.
    14. Dustin Chambers & Colin O’Reilly, 2022. "The economic theory of regulation and inequality," Public Choice, Springer, vol. 193(1), pages 63-78, October.
    15. Sara Amoroso & Benedikt Herrmann & Alexander S. Kritikos, 2023. "The Role of Regulation and Regional Government Quality for High Growth Firms: The Good, the Bad, and the Ugly," CEPA Discussion Papers 71, Center for Economic Policy Analysis.
    16. Malevergne, Y. & Saichev, A. & Sornette, D., 2013. "Zipf's law and maximum sustainable growth," Journal of Economic Dynamics and Control, Elsevier, vol. 37(6), pages 1195-1212.
    17. Ioscha Cordier & Marco Bade, 2023. "The relationship between business regulation and nascent and young business entrepreneurship revisited," Small Business Economics, Springer, vol. 61(2), pages 587-616, August.
    18. Komal CHHIKARA, 2024. "The impact of doing business indicators on economic growth in emerging market economies: a cross-sectional analysis," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(4(641), W), pages 213-226, Winter.
    19. Kong, Dongmin & Qin, Ni & Xiang, Junyi, 2021. "Minimum wage and entrepreneurship: Evidence from China," Journal of Economic Behavior & Organization, Elsevier, vol. 189(C), pages 320-336.
    20. David B. Audretsch & Maksim Belitski & Sameeksha Desai, 2019. "National Business Regulations and City Entrepreneurship in Europe: A Multilevel Nested Analysis," Entrepreneurship Theory and Practice, , vol. 43(6), pages 1148-1165, November.
    21. Wei Xiao & Mingqin Wu, 2021. "Life-cycle factors and entrepreneurship: evidence from rural China," Small Business Economics, Springer, vol. 57(4), pages 2017-2040, December.
    22. Sara Amoroso & Benedikt Herrmann & Alexander S. Kritikos, 2023. "The Role of Regulation and Regional Government Quality for High Growth Firms: The Good, the Bad, and the Ugly," Discussion Papers of DIW Berlin 2053, DIW Berlin, German Institute for Economic Research.
    23. Gabriel, Cle-Anne, 2016. "What is challenging renewable energy entrepreneurs in developing countries?," Renewable and Sustainable Energy Reviews, Elsevier, vol. 64(C), pages 362-371.
    24. Amoroso, Sara & Herrmann, Benedikt & Kritikos, Alexander S., 2023. "The Role of Regulation and Regional Government Quality for High Growth Firms: The Good, the Bad, and the Ugly," IZA Discussion Papers 16563, IZA Network @ LISER.
    25. Lahiri, Bidisha & Daramola, Richard, 2023. "Effects of credit and labor constraints on microenterprises and the unintended impact of changes in household endowments: Use of threshold estimation to detect heterogeneity," The Quarterly Review of Economics and Finance, Elsevier, vol. 88(C), pages 21-38.
    26. Hou, Ai Jun & Jonsson, Sara & Li, Xiaoyang & Ouyang, Qinglin, 2025. "From employee to entrepreneur: The role of unemployment risk," Journal of Financial Economics, Elsevier, vol. 163(C).
    27. Qingjie Zhou & Dongyao Yu & Feng Xu & Jiamin Sun, 2022. "The Impact of Institutional Friction Cost on Economic Growth: Evidence from OECD Countries," Sustainability, MDPI, vol. 15(1), pages 1-15, December.
    28. José Ernesto Amorós & Marcelo Leporati & Alfonso Jesús Torres-Marín & Sergio Roses, 2024. "Opportunity entrepreneurship after 65: Relevant factors in OECD countries," International Entrepreneurship and Management Journal, Springer, vol. 20(2), pages 1215-1244, June.
    29. Xiong, Jiacai & Huang, Ling & Yang, Zelin & Wang, Xin, 2024. "The impact of local government debt on entrepreneurship: Evidence from a quasi-natural experiment of local debt governance reform," International Review of Economics & Finance, Elsevier, vol. 93(PA), pages 501-519.
    30. Dove, John A., 2015. "The effect of judicial independence on entrepreneurship in the US states," Economic Systems, Elsevier, vol. 39(1), pages 72-96.
    31. Bettin, Giulia & Massidda, Carla & Piras, Romano, 2024. "The intertwined role of social and financial remittances in new firms' creation," Journal of International Management, Elsevier, vol. 30(1).
    32. Ang, Alvin & Mendoza, Ronald U. & Canare, Tristan A., 2015. "Doing Business: A Review of Literature and Its Role in APEC 2015," Discussion Papers DP 2015-37, Philippine Institute for Development Studies.
    33. John A. Dove, 2017. "Judicial Independence and US State Bond Ratings: An Empirical Investigation," Public Budgeting & Finance, Wiley Blackwell, vol. 37(3), pages 24-46, September.
    34. Gan, Tian & Zhang, Mingxin & Zhang, Zhiqiang, 2023. "The impact of digital government policy on entrepreneurial activity in China," Economic Analysis and Policy, Elsevier, vol. 79(C), pages 479-496.
    35. Audretsch, David B. & Belitski, Maksim & Chowdhury, Farzana & Desai, Sameeksha, 2024. "Regulating entrepreneurship quality and quantity," Research Policy, Elsevier, vol. 53(2).
    36. Brush, Candida & Ali, Abdul & Kelley, Donna & Greene, Patricia, 2017. "The influence of human capital factors and context on women's entrepreneurship: Which matters more?," Journal of Business Venturing Insights, Elsevier, vol. 8(C), pages 105-113.
    37. Li Yaokuang & Wang Jing & Long Dan, 2019. "How do Institutions Inspire Ambitions? Differentiating Institutional Effects on Entrepreneurial Growth Intentions: Evidence from China," Entrepreneurship Research Journal, De Gruyter, vol. 9(4), pages 1-19, October.
    38. Pontus Braunerhjelm & Johan E. Eklund & Per Thulin, 2021. "Taxes, the tax administrative burden and the entrepreneurial life cycle," Small Business Economics, Springer, vol. 56(2), pages 681-694, February.
    39. Dongmin Kong & Ni Qin, 2021. "Does Environmental Regulation Shape Entrepreneurship?," Environmental & Resource Economics, Springer;European Association of Environmental and Resource Economists, vol. 80(1), pages 169-196, September.
    40. Jonsson, Sara & Ouyang, Qinglin, 2023. "Effects of cultural origin on entrepreneurship," Journal of Economic Behavior & Organization, Elsevier, vol. 216(C), pages 308-319.
    41. Dustin Chambers & Courtney A. Collins & Alan Krause, 2019. "How do federal regulations affect consumer prices? An analysis of the regressive effects of regulation," Public Choice, Springer, vol. 180(1), pages 57-90, July.
    42. Chambers, Dustin & Collins, Courtney, 2016. "How Do Federal Regulations Affect Consumer Prices? An Analysis of the Regressive Effects of Regulation," Working Papers 06871, George Mason University, Mercatus Center.
    43. Baumann, Florian & Brändle, Tobias, 2012. "Self-employment, educational attainment and employment protection legislation," Labour Economics, Elsevier, vol. 19(6), pages 846-859.
    44. Sarah Tiba & Frank J. van Rijnsoever & Marko P. Hekkert, 2019. "Firms with benefits: A systematic review of responsible entrepreneurship and corporate social responsibility literature," Corporate Social Responsibility and Environmental Management, John Wiley & Sons, vol. 26(2), pages 265-284, March.

  52. Annamaria Lusardi & Punam Anand Keller & Adam M. Keller, 2009. "New Ways to Make People Save: A Social Marketing Approach," NBER Working Papers 14715, National Bureau of Economic Research, Inc.

    Cited by:

    1. Luisa R. Blanco & O. Kenrik Duru & Carol M. Mangione, 2020. "A Community-Based Randomized Controlled Trial of an Educational Intervention to Promote Retirement Saving Among Hispanics," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 300-315, June.
    2. Gopi Shah Goda & Colleen Flaherty Manchester & Aaron Sojourner, 2012. "What Will My Account Really Be Worth? An Experiment on Exponential Growth Bias and Retirement Saving," Working Papers WR-873-2, RAND Corporation.
    3. Steinert, Janina Isabel & Cluver, Lucie Dale & Meinck, Franziska & Doubt, Jenny & Vollmer, Sebastian, 2018. "Household economic strengthening through financial and psychosocial programming: Evidence from a field experiment in South Africa," Journal of Development Economics, Elsevier, vol. 134(C), pages 443-466.
    4. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    5. Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.
    6. Annamaria Lusardi, 2008. "Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs," NBER Working Papers 13824, National Bureau of Economic Research, Inc.
    7. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy among the Young: Evidence and Implications for Consumer Policy," CeRP Working Papers 91, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    8. Maya Haran Rosen & Orly Sade, 2017. "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy," Bank of Israel Working Papers 2017.10, Bank of Israel.
    9. Samia Amin & Greg Chojnacki & Aravind Moorthy & Irma Perez-Johnson & Matt Darling & Jaclyn Lefkowitz, "undated". "Using Behavioral Insights to Increase Retirement Savings (Report)," Mathematica Policy Research Reports a8c7659af90e498bb181f2349, Mathematica Policy Research.
    10. Rebecca Ratner & Dilip Soman & Gal Zauberman & Dan Ariely & Ziv Carmon & Punam Keller & B. Kim & Fern Lin & Selin Malkoc & Deborah Small & Klaus Wertenbroch, 2008. "How behavioral decision research can enhance consumer welfare: From freedom of choice to paternalistic intervention," Marketing Letters, Springer, vol. 19(3), pages 383-397, December.
    11. Stefan Klößner & Gregor Pfeifer, 2019. "The Importance of Tax Adjustments When Evaluating Wage Expectations," Scandinavian Journal of Economics, Wiley Blackwell, vol. 121(2), pages 578-605, April.
    12. Vladimir Ivanov & Elena Nikishina, 2025. "Applying Behavioural Economics to Promote Financial Literate Behaviour: An Overview of Studies," Russian Journal of Money and Finance, Bank of Russia, vol. 84(2), pages 89-112, June.
    13. Annamaria Lusardi, 2008. "Financial Literacy: An Essential Tool for Informed Consumer Choice?," NBER Working Papers 14084, National Bureau of Economic Research, Inc.
    14. Brigitte C. Madrian, 2014. "Applying Insights from Behavioral Economics to Policy Design," Annual Review of Economics, Annual Reviews, vol. 6(1), pages 663-688, August.
    15. Andor, Mark A. & Fels, Katja M. & Renz, Jan & Rzepka, Sylvi, 2018. "Do planning prompts increase educational success? Evidence from randomized controlled trials in MOOCs," Ruhr Economic Papers 790, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    16. Olivier Nicolas & Richard Ladwein & Amira Berriche, 2023. "I'm willing to save for my retirement but I don't want to get "old" Analysis of the effects of ageism stereotypes and age anxiety," Post-Print hal-05577494, HAL.
    17. Croy, Gerry & Gerrans, Paul & Speelman, Craig, 2010. "The role and relevance of domain knowledge, perceptions of planning importance, and risk tolerance in predicting savings intentions," Journal of Economic Psychology, Elsevier, vol. 31(6), pages 860-871, December.
    18. J. Magendans & J.M. Gutteling & S. Zebel, 2017. "Psychological determinants of financial buffer saving: the influence of financial risk tolerance and regulatory focus," Journal of Risk Research, Taylor & Francis Journals, vol. 20(8), pages 1076-1093, August.
    19. Aziza Imane El Hachimy & Said Toufik, 2025. "Artificial Intelligence as a Driver of Financial Education: Opportunities and Challenges [L'intelligence artificielle comme levier d'éducation financière : opportunités et limites Artificial Intelligence as a Driver of Financial Education: Opportu," Post-Print hal-05311489, HAL.
    20. Zeynep Copur & Michael S. Gutter, 2019. "Economic, Sociological, and Psychological Factors of the Saving Behavior: Turkey Case," Journal of Family and Economic Issues, Springer, vol. 40(2), pages 305-322, June.
    21. Nikolaos Satsios & Spyros Hadjidakis, 2018. "Applying the Theory of Planned Behaviour (TPB) in Saving Behaviour of Pomak Households," International Journal of Financial Research, International Journal of Financial Research, Sciedu Press, vol. 9(2), pages 122-133, April.
    22. Goda, Gopi Shah & Manchester, Colleen Flaherty & Sojourner, Aaron J., 2014. "What will my account really be worth? Experimental evidence on how retirement income projections affect saving," Journal of Public Economics, Elsevier, vol. 119(C), pages 80-92.
    23. Callan, Tim & Keane, Claire & Walsh, John R., 2009. "Pension Policy: New Evidence on Key Issues," Research Series, Economic and Social Research Institute (ESRI), number RS14.

  53. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy and Financial Sophistication Among Older Americans," NBER Working Papers 15469, National Bureau of Economic Research, Inc.

    Cited by:

    1. Hyrum Smith & Michael Finke & Sandra Huston, 2012. "Financial Sophistication and Housing Leverage Among Older Households," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 315-327, September.
    2. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    3. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    4. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    5. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2017. "Cognitive Bias in Insurance: Evidence from India," CEPR Discussion Papers 12242, Centre for Economic Policy Research.
    6. Martin-Bassols, Nicolau, 2024. "Risky and non-risky financial investments and cognition," Journal of Economic Psychology, Elsevier, vol. 100(C).
    7. Vladimir Yankov, 2014. "In Search of a Risk-free Asset," Finance and Economics Discussion Series 2014-108, Board of Governors of the Federal Reserve System (U.S.).
    8. Guiso, Luigi, 2012. "Household Finance: An Emerging Field," CEPR Discussion Papers 8934, Centre for Economic Policy Research.
    9. Haziza, Mor M. & Kalay, Avner, 2020. "Trust and delegation: A case to consider on broker rebates and investor sophistication," Journal of Financial Markets, Elsevier, vol. 49(C).
    10. García, J. & Gómez, Y. & Vila, J., 2022. "Financial overconfidence, promotion of financial advice, and aging," Journal of Business Research, Elsevier, vol. 145(C), pages 325-333.
    11. Ullah, Rafid & Ismail, Hishamuddin Bin & Islam Khan, Mohammad Tariqul & Zeb, Ali, 2024. "Nexus between Chat GPT usage dimensions and investment decisions making in Pakistan: Moderating role of financial literacy," Technology in Society, Elsevier, vol. 76(C).
    12. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2021. "Cognitive bias in insurance: Evidence from a health scheme in India," World Development, Elsevier, vol. 144(C).
    13. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    14. Xiaobo Xu & Jiali Fang & Martin Young & Liping Zou, 2024. "The impact of post‐retirement financial market participation on retirement income sufficiency in Australia," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 64(1), pages 903-939, March.
    15. Miravete, Eugenio & Ketcham, Jonathan D. & Lucarelli, Claudio & Roebuck, M Christopher, 2011. "Sinking, Swimming, or Learning to Swim in Medicare Part D," CEPR Discussion Papers 8585, Centre for Economic Policy Research.
    16. Madelaine L’Esperance, 2020. "Does Responsibility for Financial Tasks Influence Credit Knowledge and Behavior?: Evidence from a Panel of US Couples," Journal of Family and Economic Issues, Springer, vol. 41(2), pages 377-387, June.
    17. Najat El Mekkaoui de Freitas & Bérangère Legendre & Gordon Clark, 2013. "Individual Private Retirement Insurances: holding behaviours among pensioners," Post-Print hal-00951881, HAL.
    18. Joanne W. Hsu, 2011. "Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy," NFI Working Papers 2011-WP-06, Indiana State University, Scott College of Business, Networks Financial Institute.
    19. Chen, Haiyang & Dai, Ya & Guo, David, 2023. "Financial literacy as a determinant of market participation: New evidence from China using IV-GMM," International Review of Economics & Finance, Elsevier, vol. 84(C), pages 611-623.
    20. Hazel Bateman & Christine Ebling & John Geweke & Jordan Louviere & Stephen Satchell & Susan Thorp, 2011. "Economic Rationality, Risk Presentation, and Retirement Portfolio Choice," Working Papers 201121, ARC Centre of Excellence in Population Ageing Research (CEPAR), Australian School of Business, University of New South Wales.

  54. Annamaria Lusardi & Peter Tufano, 2009. "Debt Literacy, Financial Experiences, and Overindebtedness," CeRP Working Papers 83, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Hanjin Li & Danny Campbell & Seda Erdem, 2022. "Measuring Time Preferences Using Stated Credit Repayment Choices," Journal of Quantitative Economics, Springer;The Indian Econometric Society (TIES), vol. 20(1), pages 43-67, March.
    3. Rolison, Jonathan J & Hanoch, Yaniv & Wood, Stacey, 2017. "Saving for the future: Dynamic effects of time horizon," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 70(C), pages 47-54.
    4. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    5. Kieren, Pascal & Weber, Martin, 2019. "When saving is not enough: The wealth decumulation decision in retirement," CFS Working Paper Series 634, Center for Financial Studies (CFS).
    6. Ola Andersson & Håkan J. Holm & Jean-Robert Tyran & Erik Wengström, 2013. "Risk aversion relates to cognitive ability: Fact or Fiction?," Discussion Papers 13-10, University of Copenhagen. Department of Economics.
    7. Justine S. Hastings & Olivia S. Mitchell, 2011. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," NBER Working Papers 16740, National Bureau of Economic Research, Inc.
    8. Nur Hafidzah Idris* & Melissa Faisal Wee & Shafinar Ismail & Khairunnisa Abd Samad, 2018. "Financial Knowledge, Debt Literacy and Over-Indebtedness," The Journal of Social Sciences Research, Academic Research Publishing Group, pages 22-29:3.
    9. Klühs, Theres & Grohmann, Antonia & Menkhoff, Lukas, 2017. "Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence," VfS Annual Conference 2017 (Vienna): Alternative Structures for Money and Banking 168165, Verein für Socialpolitik / German Economic Association.
    10. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    11. Goode, Jackie, 2012. "Brothers are doing it for themselves?: Men's experiences of getting into and getting out of debt," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 41(3), pages 327-335.
    12. Michael Ayikwei Quarshie & Shakeb Akhtar & Donkor Nawaah, 2025. "Barriers to breakthroughs: the crucial role of support services in advancing accounting practices, financial literacy and performance in disability-led SMEs," Quality & Quantity: International Journal of Methodology, Springer, vol. 59(2), pages 955-977, April.
    13. Daniel Fernandes & John G. Lynch & Richard G. Netemeyer, 2014. "Financial Literacy, Financial Education, and Downstream Financial Behaviors," Management Science, INFORMS, vol. 60(8), pages 1861-1883, August.
    14. Mohamad Fazli Sabri & Mervin Anthony & Siong Hook Law & Husniyah Abdul Rahim & Nik Ahmad Sufian Burhan & Muslimah Ithnin, 2024. "Impact of financial behaviour on financial well-being: evidence among young adults in Malaysia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 788-807, September.
    15. Tiziana Assenza & Alberto Cardaci & Domenico Delli Gatti, 2019. "Perceived Wealth, Cognitive Sophistication and Behavioral Inattention," CESifo Working Paper Series 7992, CESifo.
    16. Boto Ferreira, Mário & Costa Pinto, Diego & Maurer Herter, Márcia & Soro, Jerônimo & Vanneschi, Leonardo & Castelli, Mauro & Peres, Fernando, 2021. "Using artificial intelligence to overcome over-indebtedness and fight poverty," Journal of Business Research, Elsevier, vol. 131(C), pages 411-425.
    17. Hu, Zihao & Zhang, Dong & Xiong, Xueping, 2025. "Motivation, cognition, and capacity: How income risk shapes retirement saving in an aging society," International Review of Economics & Finance, Elsevier, vol. 102(C).
    18. Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas, 2014. "Financial literacy and its consequences in the emerging middleclass," Kiel Working Papers 1943, Kiel Institute for the World Economy.
    19. Ruth Cadaoas Tacneng & Klarizze Anne Martin Puzon & Thierno Barry, 2021. "Crowding out effects of financial knowledge and attitude on risk preferences: Evidence from a least developed African country," WIDER Working Paper Series wp-2021-58, World Institute for Development Economic Research (UNU-WIDER).
    20. Yiing Jia Loke, 2015. "Financial Knowledge and Behaviour of Working Adults in Malaysia," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 9(1), pages 18-38, February.
    21. Guin, Benjamin & Brown, Martin & Morkötter, Stefan, 2015. "Deposit Withdrawals from Distressed Commercial Banks," VfS Annual Conference 2015 (Muenster): Economic Development - Theory and Policy 113081, Verein für Socialpolitik / German Economic Association.
    22. Luigi Guiso & Eliana Viviano, 2015. "How Much Can Financial Literacy Help?," Review of Finance, European Finance Association, vol. 19(4), pages 1347-1382.
    23. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    24. John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian, 2011. "Behavioral Economics Perspectives on Public Sector Pension Plans," NBER Working Papers 16728, National Bureau of Economic Research, Inc.
    25. Campbell, John Y. & Tufano, Peter & Madrian, Brigitte C. & Jackson, Howell Edmunds, 2011. "Consumer Financial Protection," Scholarly Articles 9887620, Harvard University Department of Economics.
    26. De Neve, Jan-Emmanuel & Fowler, James H., 2014. "Credit card borrowing and the monoamine oxidase A (MAOA) gene," Journal of Economic Behavior & Organization, Elsevier, vol. 107(PB), pages 428-439.
    27. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    28. Agar Brugiavini & Danilo Cavapozzi & Yao Pan, 2017. "Education gradient in well-being late in life: the case of China," Working Papers 2017:28, Department of Economics, University of Venice "Ca' Foscari".
    29. María-Jesús Gallego-Losada & Antonio Montero-Navarro & Rocío Gallego-Losada & José-Luis Rodríguez-Sánchez, 2024. "Measuring financial divide in the rural environment. The potential role of the digital transformation of finance," International Entrepreneurship and Management Journal, Springer, vol. 20(4), pages 2791-2810, December.
    30. Ashenafi Fanta & Kingstone Mutsonziwa, 2021. "Financial Literacy as a Driver of Financial Inclusion in Kenya and Tanzania," JRFM, MDPI, vol. 14(11), pages 1-13, November.
    31. Dinh, Van & Le, Dao-Van & Duong, Duy & Pham, Dung, 2023. "Determinants affecting digital financial consumer protection: Evidence from 135 countries," The Journal of Economic Asymmetries, Elsevier, vol. 27(C).
    32. Süleyman Uyar & Işıl Atalay, 2021. "Financial Literacy and The Effect of Courses on University on Financial Literacy," Muhasebe Enstitusu Dergisi - Journal of Accounting Institute, Istanbul University Business School, vol. 64(64), pages 1-17, January.
    33. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    34. Davoli, Maddalena & Rodríguez-Planas, Núria, 2021. "Preferences, Financial Literacy, and Economic Development," IZA Discussion Papers 14759, IZA Network @ LISER.
    35. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    36. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    37. Lee, Chien-Chiang & Wang, Fuhao & Lou, Runchi & Wang, Keying, 2023. "How does green finance drive the decarbonization of the economy? Empirical evidence from China," Renewable Energy, Elsevier, vol. 204(C), pages 671-684.
    38. Brunetti, M. & Ciciretti, R. & Djordjevic, Lj., 2020. "Till mortgage do us part: Mortgage switching costs and household's bank switching," Journal of Banking & Finance, Elsevier, vol. 119(C).
    39. Grohmann, Antonia & Hamdan, Jana S., 2020. "The Effect of Self-Control on Borrowing: Experimental Evidence," Rationality and Competition Discussion Paper Series 264, CRC TRR 190 Rationality and Competition.
    40. Majken Corti & Thomas Scheiber, 2014. "How Did CESEE Households Weather the Crisis? Evidence from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 2, pages 76-87.
    41. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    42. Bannier, Christina E. & Schwarz, Milena, 2018. "Gender- and education-related effects of financial literacy and confidence on financial wealth," Journal of Economic Psychology, Elsevier, vol. 67(C), pages 66-86.
    43. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    44. Neubert, Milena & Bannier, Christina E., 2016. "Actual and perceived financial sophistication and wealth accumulation: The role of education and gender," VfS Annual Conference 2016 (Augsburg): Demographic Change 145593, Verein für Socialpolitik / German Economic Association.
    45. Bellocchi, Alessandro & Travaglini, Giuseppe, 2025. "Financial literacy and financial education: The role of irreversible costs," Economics Letters, Elsevier, vol. 247(C).
    46. Dean Karlan & Aishwarya Lakshmi Ratan & Jonathan Zinman, 2013. "Savings by and for the Poor: A Research Review and Agenda," Working Papers 1027, Economic Growth Center, Yale University.
    47. Mousumi Singha Mahapatra & Jayasree Raveendran & Anupam De, 2019. "Building a Model on Influence of Behavioural and Cognitive Factors on Personal Financial Planning: A Study Among Indian Households," Global Business Review, International Management Institute, vol. 20(4), pages 996-1009, August.
    48. Burke, Matt & Fry, John, 2019. "How easy is it to understand consumer finance?," Economics Letters, Elsevier, vol. 177(C), pages 1-4.
    49. Casey J. Totenhagen & Melissa J. Wilmarth & Joyce Serido & Melissa A. Curran & Soyeon Shim, 2019. "Pathways from Financial Knowledge to Relationship Satisfaction: The Roles of Financial Behaviors, Perceived Shared Financial Values with the Romantic Partner, and Debt," Journal of Family and Economic Issues, Springer, vol. 40(3), pages 423-437, September.
    50. Piotr Bialowolski & Andrzej Cwynar & Dorota Weziak‐Bialowolska, 2024. "Credit purpose and the interest rate – Evidence from the European Household Finance and Consumption Survey," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 29(1), pages 162-176, January.
    51. Christine L. Dobridge, 2018. "High‐Cost Credit and Consumption Smoothing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(2-3), pages 407-433, March.
    52. Adam Ndou, 2023. "The relationship between demographic factors and financial literacy," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(1), pages 155-164, January.
    53. Matthias Keese, 2009. "Triggers and Determinants of Severe Household Indebtedness in Germany," SOEPpapers on Multidisciplinary Panel Data Research 239, DIW Berlin, The German Socio-Economic Panel (SOEP).
    54. GANCHIMEG Gombodorj & VAN OPHEM Johan & GANKHUYAG Nyam-Ochir, 2019. "Financial Literacy And Pension Planning Of Mongolian Herders," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(2), pages 137-149, December.
    55. Feng, Xiangnan & Lu, Bin & Song, Xinyuan & Ma, Shuang, 2019. "Financial literacy and household finances: A Bayesian two-part latent variable modeling approach," Journal of Empirical Finance, Elsevier, vol. 51(C), pages 119-137.
    56. Anran Dai & Shaoan Huang, 2025. "Online Payment Technological Innovation and Changes in Household Saving Rate: Evidence From China," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 46(6), pages 3571-3590, September.
    57. Viktar Fedaseyeu, 2015. "Debt collection agencies and the supply of consumer credit," Working Papers 15-23, Federal Reserve Bank of Philadelphia.
    58. Collins, J. Michael, 2013. "The impacts of mandatory financial education: Evidence from a randomized field study," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 146-158.
    59. Steeve Marchand, 2018. "Who Benefits from Tax-Preferred Savings Accounts?," Cahiers de recherche 1812, Chaire de recherche Industrielle Alliance sur les enjeux économiques des changements démographiques.
    60. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    61. Wang, Ke & Zhang, Rui & Zhang, Xuyang, 2025. "Unravelling the impact of financial attention on household debt: Evidence from the China household finance survey," International Review of Economics & Finance, Elsevier, vol. 103(C).
    62. Cengiz Tunc, 2020. "The Effect of Credit Supply on House Prices: Evidence From Turkey," Housing Policy Debate, Taylor & Francis Journals, vol. 30(2), pages 228-242, March.
    63. Maude Pugliese & Céline Le Bourdais & Shelley Clark, 2021. "Credit Card Debt and the Provision of Financial Support to Kin in the US," Journal of Family and Economic Issues, Springer, vol. 42(4), pages 616-632, December.
    64. Haliassos, Michael & Fuchs-Schündeln, Nicola, 2015. "Does Product Familiarity Matter for Participation?," CEPR Discussion Papers 10632, Centre for Economic Policy Research.
    65. Estaban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 725, Banco de la Republica de Colombia.
    66. Leora Klapper & Annamaria Lusardi, 2020. "Financial literacy and financial resilience: Evidence from around the world," Financial Management, Financial Management Association International, vol. 49(3), pages 589-614, September.
    67. Boukje Compen & Wouter Schelfhout, 2021. "Collaborative Curriculum Design in the Context of Financial Literacy Education," JRFM, MDPI, vol. 14(6), pages 1-25, May.
    68. John Gathergood & Joerg Weber, 2015. "Is Poor Financial Literacy a Barrier to Home Ownership?," Discussion Papers 2015/16, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM).
    69. Lisa J. Dettling & Joanne W. Hsu, 2017. "Minimum Wages and Consumer Credit : Impacts on Access to Credit and Traditional and High-Cost Borrowing," Finance and Economics Discussion Series 2017-010, Board of Governors of the Federal Reserve System (U.S.).
    70. Brown, Martin & Graf, Roman, 2013. "Financial Literacy, Household Investment and Household Debt: Evidence from Switzerland," Working Papers on Finance 1301, University of St. Gallen, School of Finance.
    71. Burke, Jeremy, 2021. "Do prize-linked incentives promote positive financial behavior? Evidence from a debt reduction intervention," Journal of Public Economics, Elsevier, vol. 204(C).
    72. Massimiliano Affinito & Federica Sabbi & Raffaele Santioni & Francesco Santorelli, 2024. "Types of consumer credit and bank distribution channels: insights from Italy," Questioni di Economia e Finanza (Occasional Papers) 879, Bank of Italy, Economic Research and International Relations Area.
    73. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    74. Elisabeth Beckmann & Christa Hainz & Sarah Reiter, 2022. "Third-Party Loan Guarantees: Measuring Literacy and its Effect on Financial Decisions (Elisabeth Beckmann, Christa Hainz, Sarah Reiter)," Working Papers 237, Oesterreichische Nationalbank (Austrian Central Bank).
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    76. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
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    78. Annamaria Lusardi & Olivia S. Mitchell, 2017. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," Quarterly Journal of Finance (QJF), World Scientific Publishing Co. Pte. Ltd., vol. 7(03), pages 1-31, September.
    79. Sutter, Matthias & Weyland, Michael & Untertrifaller, Anna & Froitzheim, Manuel & Schneider, Sebastian O., 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," IZA Discussion Papers 16102, IZA Network @ LISER.
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    82. Manuel Salas‐Velasco & Dolores Moreno‐Herrero & José Sánchez‐Campillo, 2021. "Teaching financial education in schools and students' financial literacy: A cross‐country analysis with PISA data," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 26(3), pages 4077-4103, July.
    83. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
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    85. Benyan Tan & Yingzhu Guo & Yan Wu, 2024. "The influence and mechanism of female-headed households on household debt risk: empirical evidence from China," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-15, December.
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    6. Justine S. Hastings & Olivia S. Mitchell, 2011. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," NBER Working Papers 16740, National Bureau of Economic Research, Inc.
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    205. Cziriak, Marius & Bucher-Koenen, Tabea & Alessie, Rob, 2024. "Beyond knowledge: Confidence and the Gender Gap in Financial Literacy," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302421, Verein für Socialpolitik / German Economic Association.
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    208. Haliassos, Michael & Jansson, Thomas & Karabulut, Yigitcan, 2017. "Financial Literacy Externalities," CEPR Discussion Papers 12100, Centre for Economic Policy Research.
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    211. Tae-Young Pak & Swarn Chatterjee & Youngjoo Choung, 2026. "Navigating digital finance: how digital financial literacy influences digital financial services use and benefits in Korea," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-33, December.
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    213. Carpena, Fenella & Zia, Bilal, 2020. "The causal mechanism of financial education: Evidence from mediation analysis," Journal of Economic Behavior & Organization, Elsevier, vol. 177(C), pages 143-184.
    214. Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "The effect of self-confidence on financial literacy," Working Papers 1428, BBVA Bank, Economic Research Department.
    215. Waseem Raza & D Lazar, 2018. "An Enquiry into the Financial Literacy: Evidence from Rural Tribal Population of Tripura," Shanlax International Journal of Economics, Shanlax Journals, vol. 6(2), pages 167-176, March.
    216. Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi, 2014. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," NBER Working Papers 20618, National Bureau of Economic Research, Inc.
    217. Ravit Rubinstein-Levi, 2021. "Disadvantaged Employees in the Trap of Defined Contribution Pension Plans," International Journal of Economics & Business Administration (IJEBA), International Journal of Economics & Business Administration (IJEBA), vol. 0(4), pages 55-76.
    218. Cannistrà, Marta & De Beckker, Kenneth & Agasisti, Tommaso & Amagir, Aisa & Põder, Kaire & Vartiak, Lukáš & De Witte, Kristof, 2024. "The impact of an online game-based financial education course: Multi-country experimental evidence," Journal of Comparative Economics, Elsevier, vol. 52(4), pages 825-847.
    219. Umer Mushtaq Lone & Suhail Ahmad Bhat, 2024. "Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 122-137, March.
    220. Kyoung Tae Kim & Somer G. Anderson & Martin C. Seay, 2019. "Financial Knowledge and Short-Term and Long-Term Financial Behaviors of Millennials in the United States," Journal of Family and Economic Issues, Springer, vol. 40(2), pages 194-208, June.
    221. Duy-Minh Dang & Chang Chen, 2025. "Multi-period Mean-Buffered Probability of Exceedance in Defined Contribution Portfolio Optimization," Papers 2505.22121, arXiv.org, revised Feb 2026.
    222. Levy, Matthew R. & Tasoff, Joshua, 2017. "Exponential-growth bias and overconfidence," Journal of Economic Psychology, Elsevier, vol. 58(C), pages 1-14.
    223. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    224. Tse, Alan & Friesen, Lana & Kalaycı, Kenan, 2016. "Complexity and asset legitimacy in retirement investment," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 60(C), pages 35-48.
    225. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy and Financial Sophistication Among Older Americans," NBER Working Papers 15469, National Bureau of Economic Research, Inc.
    226. Cherry Mae B. Guay & Teddy E. Colipano, 2026. "Assessing the Relationship Between Financial Knowledge and Resilience Among Small-Scale Rice Farmers in Davao Oriental," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(6), pages 1542-1555, June.
    227. Lusardi, Annamaria & Michaud, Pierre-Carl & Mitchell, Olivia S., 2020. "Assessing the impact of financial education programs: A quantitative model," Economics of Education Review, Elsevier, vol. 78(C).
    228. Sumit Kumar Maji, 2026. "Overconfidence in Financial Literacy and Its Determinants: The Indian Scene," IIM Kozhikode Society & Management Review, , vol. 15(2), pages 160-174, July.
    229. Beatrice Magistro, 2022. "The influence of financial and economic literacy on policy preferences in Italy," Economics and Politics, Wiley Blackwell, vol. 34(2), pages 351-381, July.
    230. Xin Li & Yunjie Wei & Shouyang Wang, 2025. "Household finance research: A systematic bibliometric analysis of evolution, trends, and emerging research directions," Review of Economics of the Household, Springer, vol. 23(2), pages 839-867, June.
    231. Bayuk, Julia Belyavsky & Patrick, Vanessa M., 2021. "Is the uphill road the one more taken? How task complexity prompts action on non-pressing tasks," Journal of Business Research, Elsevier, vol. 128(C), pages 436-449.
    232. S. Ananda & Raghavendra Prasanna Kumar & Tamanna Dalwai, 2024. "Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 843-854, September.
    233. Hazel Bateman & Christine Eckert & Fedor Iskhakov & Jordan Louviere & Stephen Satchell & Susan Thorp, 2017. "Default and naive diversification heuristics in annuity choice," Australian Journal of Management, Australian School of Business, vol. 42(1), pages 32-57, February.
    234. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes, 2021. "Measuring financial knowledge: a macroeconomic perspective," International Economics and Economic Policy, Springer, vol. 18(1), pages 177-222, February.
    235. Silvia Mariela Méndez-Prado & Vanessa Rodriguez & Kevin Peralta-Rizzo & Patricia Everaert & Martin Valcke, 2023. "An Assessment Tool to Identify the Financial Literacy Level of Financial Education Programs Participants’ Executed by Ecuadorian Financial Institutions," Sustainability, MDPI, vol. 15(2), pages 1-24, January.
    236. Floyd Khoza, 2025. "Mineworkers’ Perspectives Towards Participating in Retirement Planning in South Africa," JRFM, MDPI, vol. 18(1), pages 1-19, January.
    237. Martinson Ankrah Twumasi & Yuansheng Jiang & Zhao Ding & Pengcheng Wang & Wonder Abgenyo, 2022. "The Mediating Role of Access to Financial Services in the Effect of Financial Literacy on Household Income: The Case of Rural Ghana," SAGE Open, , vol. 12(1), pages 21582440221, February.
    238. Reyers, Michelle & van Schalkwyk, Cornelis Hendrik & Gouws, Daniël Gerhardus, 2015. "Rational and behavioural predictors of pre-retirement cash-outs," Journal of Economic Psychology, Elsevier, vol. 47(C), pages 23-33.
    239. Heenkenda, Shirantha, 2016. "The Determinants of Dropouts from Voluntary Pension Scheme: Evidence from Sri Lanka," MPRA Paper 72481, University Library of Munich, Germany.
    240. Antonio Gargano & Alberto G. Rossi, 2024. "Goal Setting and Saving in the FinTech Era," Journal of Finance, American Finance Association, vol. 79(3), pages 1931-1976, June.
    241. Khurram Rehman & Md Aslam Mia, 2024. "Determinants of financial literacy: a systematic review and future research directions," Future Business Journal, Springer, vol. 10(1), pages 1-25, December.
    242. Cordes, Henning & Nolte, Sven & Schneider, Judith C., 2023. "Dynamics of stock market developments, financial behavior, and emotions," Journal of Banking & Finance, Elsevier, vol. 154(C).
    243. Sesil Lim & Bas Donkers & Patrick Dijl & Benedict G. C. Dellaert, 2021. "Digital customization of consumer investments in multiple funds: virtual integration improves risk–return decisions," Journal of the Academy of Marketing Science, Springer, vol. 49(4), pages 723-742, July.
    244. Lu Fan & Richard Stebbins & Kyoung Tae Kim, 2022. "Skint: Retirement? Financial Hardship and Retirement Planning Behaviors," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 354-367, June.
    245. Kaiser, Tim & Oberrauch, Luis & Seeber, Günther, 2019. "Measuring Economic Competence of Secondary School Students in Germany," EconStor Preprints 202639, ZBW - Leibniz Information Centre for Economics.
    246. Jamel Khenfer, 2022. "How Materialism Shapes the Effectiveness of Financial Literacy Messages: A Cross‐Cultural Perspective," Post-Print hal-03528697, HAL.
    247. Oscar Becerra, 2023. "Effects of future pension benefits on pre‐retirement labor supply: Evidence from Chile," Review of Development Economics, Wiley Blackwell, vol. 27(1), pages 198-219, February.
    248. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).

  56. Silvia Ardagna & Annamaria Lusardi, 2009. "Where does regulation hurt? Evidence from new businesses across countries," NBER Working Papers 14747, National Bureau of Economic Research, Inc.

    Cited by:

    1. OKAMURO, Hiroyuki & 岡室, 博之 & IKEUCHI, Kenta & MATSUDA, Naoko & TSUCHIYA, Ryuichiro, 2017. "Who wishes to be an entrepreneur and who prepares for that? : Evidence from statistical micro data in Japan over 30 years," CCES Discussion Paper Series 65, Center for Research on Contemporary Economic Systems, Graduate School of Economics, Hitotsubashi University.
    2. Fossen, Frank M. & Büttner, Tobias J. M., 2012. "The returns to education for opportunity entrepreneurs, necessity entrepreneurs, and paid employees," Discussion Papers 2012/19, Free University Berlin, School of Business & Economics.
    3. André van Stel & David Storey & Chantal Hartog, 2010. "Institutions and Entrepreneurship: The Role of The Rule of Law," Scales Research Reports H201003, EIM Business and Policy Research.
    4. Ant Bozkaya & William R. Kerr, 2009. "Labor Regulations and European Private Equity," Working Papers CEB 09-055.RS, ULB -- Universite Libre de Bruxelles.
    5. John A. Dove, 2023. "One size fits all? The differential impact of federal regulation on early-stage entrepreneurial activity across US states," Journal of Regulatory Economics, Springer, vol. 63(1), pages 57-73, April.
    6. Ionela DUMITRU & Ionut DUMITRU, 2017. "Entrepreneurship Determinants in Central and Eastern Europe. The Case of Romania," ECONOMIC COMPUTATION AND ECONOMIC CYBERNETICS STUDIES AND RESEARCH, Faculty of Economic Cybernetics, Statistics and Informatics, vol. 51(1), pages 187-203.
    7. Albiol, Judit, 2014. "The Significance of Business Exit for Future Entrepreneurial Activity," Working Papers 2072/238221, Universitat Rovira i Virgili, Department of Economics.
    8. Da Rin, M. & Di Giacomo, M. & Sembenelli, A., 2010. "Corporate taxation and the size of new firms : Evidence from Europe," Other publications TiSEM 220989f9-77d5-4904-9a90-3, Tilburg University, School of Economics and Management.
    9. David B. Audretsch & Maksim Belitski & Sameeksha Desai, 2019. "National Business Regulations and City Entrepreneurship in Europe: A Multilevel Nested Analysis," Entrepreneurship Theory and Practice, , vol. 43(6), pages 1148-1165, November.
    10. Trubnikov, Dmitrii, 2021. "What entrepreneurship is really “productive”? An alternative view on Baumol's typology," Journal of Business Venturing Insights, Elsevier, vol. 16(C).
    11. Girum Abebe & Tigabu Degu & Gebrehiwot Ageba, 2018. "What drives productivity change in the manufacturing sector? Evidence from the metalworking industry in Ethiopia," Working Papers 020, Policy Studies Institute.
    12. Matteo Bobba & Luca Flabbi & Santiago Levy, 2022. "Labor market search, informality and schooling investments," Post-Print hal-03641810, HAL.
    13. Laura Alfaro & Anusha Chari, 2014. "Deregulation, Misallocation, and Size: Evidence from India," Journal of Law and Economics, University of Chicago Press, vol. 57(4), pages 897-936.
    14. Davud Rostam-Afschar, 2014. "Entry regulation and entrepreneurship: a natural experiment in German craftsmanship," Empirical Economics, Springer, vol. 47(3), pages 1067-1101, November.
    15. William Kerr & Ramana Nanda, 2009. "Banking Deregulations, Financing Constraints, and Firm Entry Size," NBER Working Papers 15499, National Bureau of Economic Research, Inc.
    16. José Ernesto Amorós & Pekka Stenholm, 2013. "The Influence of the Quality of Government Institutions on Entrepreneurial Motivation: Exploring the Variance across Countries," Working Papers 1401, Departament Empresa, Universitat Autònoma de Barcelona, revised Dec 2013.
    17. Ant Bozkaya & William R. Kerr, 2014. "Labor Regulations and European Venture Capital," Journal of Economics & Management Strategy, Wiley Blackwell, vol. 23(4), pages 776-810, December.
    18. Albiol, Judit, 2012. "Business Exits entail greater future levels of entrepreneurship? An empirical analysis at country level," Working Papers 2072/211754, Universitat Rovira i Virgili, Department of Economics.
    19. Sunny Li Sun & Weilei (Stone) Shi & David Ahlstrom & Li (Rachel) Tian, 2020. "Understanding institutions and entrepreneurship: The microfoundations lens and emerging economies," Asia Pacific Journal of Management, Springer, vol. 37(4), pages 957-979, December.
    20. Silvia Ardagna & Annamaria Lusardi, 2009. "Heterogeneity in the effect of regulation on entrepreneurship and entry size," NBER Working Papers 15510, National Bureau of Economic Research, Inc.

  57. Annamaria Lusardi & Olivia S. Mitchell, 2008. "Planning and Financial Literacy: How Do Women Fare?," CeRP Working Papers 72, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Eren, Okan & Genç İleri, Şerife, 2022. "Life cycle analysis of savings accounts with matching contributions," Economic Modelling, Elsevier, vol. 116(C).
    3. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    4. Lanciano, Edoardo & Previati, Daniele & Ricci, Ornella & Stentella Lopes, F. Saverio, 2024. "Gender differences and measurement error in financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    5. Steve Agnew & Valerie A. Sotardi, 2025. "Family Financial Socialisation and its Impact on Financial Confidence, Intentions, and Behaviours among New Zealand Adolescents," Journal of Family and Economic Issues, Springer, vol. 46(1), pages 246-258, March.
    6. Justine S. Hastings & Olivia S. Mitchell, 2011. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," NBER Working Papers 16740, National Bureau of Economic Research, Inc.
    7. Nur Hafidzah Idris* & Melissa Faisal Wee & Shafinar Ismail & Khairunnisa Abd Samad, 2018. "Financial Knowledge, Debt Literacy and Over-Indebtedness," The Journal of Social Sciences Research, Academic Research Publishing Group, pages 22-29:3.
    8. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    9. Carin van der Cruijsen & Marie-Claire Broekhoff, 2024. "Gender gaps in the world of payments," Working Papers 805, DNB.
    10. Jian Li & Alexis Meyer‐Cirkel, 2021. "Promoting financial literacy through a digital platform: A pilot study in Luxembourg," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 26(1), pages 73-87, January.
    11. Boggio, Cecilia & Coda Moscarola, Flavia & Gallice, Andrea, 2020. "What is good for the goose is good for the gander?," Economics of Education Review, Elsevier, vol. 75(C).
    12. Duc Hong Vo & Chi Minh Ho & Anh The Vo, 2023. "The economic circumstances of widows in Vietnam," PLOS ONE, Public Library of Science, vol. 18(5), pages 1-20, May.
    13. Ester Muñoz-Céspedes & Raquel Ibar-Alonso & Sara de Lorenzo Ros, 2021. "Financial Literacy and Sustainable Consumer Behavior," Sustainability, MDPI, vol. 13(16), pages 1-21, August.
    14. Miriam Rehm & Katharina Mader & Alyssa Schneebaum & Katarina Hollan, 2016. "The Gender Wealth Gap Across European Countries," Working Paper Reihe der AK Wien - Materialien zu Wirtschaft und Gesellschaft 157, Kammer für Arbeiter und Angestellte für Wien, Abteilung Wirtschaftswissenschaft und Statistik.
    15. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek & Joanne Yoong, 2014. "Five Steps to Planning Success. Experimental Evidence from U.S. Households," Framed Field Experiments 00434, The Field Experiments Website.
    16. Bianchi, Milo, 2017. "Financial Literacy and Portfolio Dynamics," TSE Working Papers 17-808, Toulouse School of Economics (TSE).
    17. Kaustia, Markku & Lehtoranta, Antti & Puttonen, Vesa, 2013. "Does sophistication affect long-term return expectations? Evidence from financial advisers' exam scores," SAFE Working Paper Series 3, Leibniz Institute for Financial Research SAFE.
    18. Austin M. Miller & Samantha Snyder & Stacie A. Bosley & Sarah Greenman, 2023. "Income disclosure and consumer judgment in a multilevel marketing experiment," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 92-120, January.
    19. Vanya Horneff & Raimond Maurer & Olivia S. Mitchell & Ralph Rogalla, 2013. "Optimal Life Cycle Portfolio Choice with Variable Annuities Offering Liquidity and Investment Downside Protection," NBER Working Papers 19206, National Bureau of Economic Research, Inc.
    20. Montagnoli, Alberto & Taylor, Karl, 2024. "Who Cares about Investing Responsibly? Attitudes and Financial Decisions," IZA Discussion Papers 16952, IZA Network @ LISER.
    21. Lewis Glinert & Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," Framed Field Experiments 00429, The Field Experiments Website.
    22. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2011. "Do Women Pay More for Mortgages?," The Journal of Real Estate Finance and Economics, Springer, vol. 43(4), pages 423-440, November.
    23. Stacie A. Bosley & Reece Thomas & George Matthew Maroney & Joseph Penders & Samantha Snyder & Sarah Greenman, 2025. "Profit-and-Loss Disclaimers and Disclosures: Testing a Regulatory Framework for Multi-level Marketing," Journal of Consumer Policy, Springer, vol. 48(2), pages 133-164, June.
    24. Bertocchi, Graziella & Brunetti, Marianna & Torricelli, Costanza, 2011. "Marriage and other risky assets: A portfolio approach," Journal of Banking & Finance, Elsevier, vol. 35(11), pages 2902-2915, November.
    25. Arvindh Rajasekar & Arul Ramanatha Pillai & Rajesh Elangovan & Satyanarayana Parayitam, 2023. "Risk capacity and investment priority as moderators in the relationship between big-five personality factors and investment behavior: a conditional moderated moderated-mediation model," Quality & Quantity: International Journal of Methodology, Springer, vol. 57(3), pages 2091-2123, June.
    26. Gagandeep Kaur & Manjit Singh, 2024. "Pathways to Individual Financial Well-Being: Conceptual Framework and Future Research Agenda," FIIB Business Review, , vol. 13(1), pages 27-41, January.
    27. Kim, Seongsu David & Cotwright, Marty & Chatterjee, Swarn, 2019. "Who are robo-advisor users?," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 18(2), pages 33-50.
    28. Lena Dräger, 2016. "Are Consumers Planning Consumption According to an Euler Equation?," Macroeconomics and Finance Series 201605, University of Hamburg, Department of Socioeconomics.
    29. Antonia Grohmann & Melanie Koch, 2022. "The Effect of Social Comparison on Debt Taking: Experimental Evidence," Discussion Papers of DIW Berlin 1996, DIW Berlin, German Institute for Economic Research.
    30. Angela Cipollone & Marcella Corsi & Carlo D'Ippoliti, 2011. "Knowledge and Job Opportunities in a Gender Perspective: Insights from Italy," DULBEA Working Papers 11-02, ULB -- Universite Libre de Bruxelles.
    31. Avner Ben-Ner & John List & Louis Putterman & Anya Samek, 2015. "Learned Generosity? A Field Experiment with Parents and Their Children," Artefactual Field Experiments 00434, The Field Experiments Website.
    32. Wen, Xin & Cheng, Zhiming & Tani, Massimiliano, 2024. "Rural-urban migration, financial literacy, and entrepreneurship," Journal of Business Research, Elsevier, vol. 175(C).
    33. Davoli, Maddalena & Rodríguez-Planas, Núria, 2021. "Preferences, Financial Literacy, and Economic Development," IZA Discussion Papers 14759, IZA Network @ LISER.
    34. Torricelli, Costanza & Bertocchi, Graziella & Brunetti, Marianna, 2012. "Is it money or brains? The determinants of intra-family decision power," CEPR Discussion Papers 9017, Centre for Economic Policy Research.
    35. Bäckman, Claes & Hanspal, Tobin, 2019. "Participation and losses in multi-level marketing: Evidence from an FTC settlement," SAFE Working Paper Series 207, Leibniz Institute for Financial Research SAFE, revised 2019.
    36. Gerrans, Paul, 2021. "Undergraduate student financial education interventions: Medium term evidence of retention, decay, and confidence in financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 67(C).
    37. Campbell, John Y., 2016. "Restoring rational choice: The challenge of consumer financial regulation," Working Paper Series 1897, European Central Bank.
    38. Grohmann, Antonia & Hamdan, Jana S., 2020. "The Effect of Self-Control on Borrowing: Experimental Evidence," Rationality and Competition Discussion Paper Series 264, CRC TRR 190 Rationality and Competition.
    39. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    40. Bannier, Christina E. & Schwarz, Milena, 2018. "Gender- and education-related effects of financial literacy and confidence on financial wealth," Journal of Economic Psychology, Elsevier, vol. 67(C), pages 66-86.
    41. Barrafrem, Kinga & Tinghög, Gustav & Västfjäll, Daniel, 2021. "Trust in the government increases financial well-being and general well-being during COVID-19," Journal of Behavioral and Experimental Finance, Elsevier, vol. 31(C).
    42. Duraj, Kamila & Laudenbach, Christine & Lindner, Vincent, 2025. "Hessenmonitor Finanzkompetenz: Was wissen junge Erwachsene in Hessen über Geld und Finanzen? Abschlussbericht," SAFE White Paper Series 110, Leibniz Institute for Financial Research SAFE.
    43. Jere R. Behrman & Olivia S. Mitchell & Cindy Soo & David Bravo, 2010. "Financial Literacy, Schooling, and Wealth Accumulation," NBER Working Papers 16452, National Bureau of Economic Research, Inc.
    44. Ning Tang & Andrew Baker & Paula C. Peter, 2015. "Investigating the Disconnect between Financial Knowledge and Behavior: The Role of Parental Influence and Psychological Characteristics in Responsible Financial Behaviors among Young Adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(2), pages 376-406, July.
    45. Jaanika Meriküll & Merike Kukk & Tairi Rõõm, 2021. "What explains the gender gap in wealth? Evidence from administrative data," Review of Economics of the Household, Springer, vol. 19(2), pages 501-547, June.
    46. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    47. Paladino, Giovanna, 2022. "Quanto conta il modo in cui viene posta la domanda? Un’analisi dell’effetto “framing” sul livello di alfabetizzazione finanziaria in Italia [Does the question wording matter? A study of the framing effect on financial literacy in Italy]," MPRA Paper 111527, University Library of Munich, Germany.
    48. R. M. Ammar Zahid & Safia Rafique & Muzammil Khurshid & Wajid Khan & Ikram Ullah, 2024. "Do Women’s Financial Literacy Accelerate Financial Inclusion? Evidence from Pakistan," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4315-4337, March.
    49. Feng, Xiangnan & Lu, Bin & Song, Xinyuan & Ma, Shuang, 2019. "Financial literacy and household finances: A Bayesian two-part latent variable modeling approach," Journal of Empirical Finance, Elsevier, vol. 51(C), pages 119-137.
    50. Lovisa Reiche, 2023. "That’s what she said: An Empirical Investigation on the Gender Gap in Inflation Expectations," Economics Series Working Papers 1025, University of Oxford, Department of Economics.
    51. Markus M. Grabka & Jan Marcus & Eva Sierminska, 2013. "Wealth Distribution within Couples and Financial Decision Making," SOEPpapers on Multidisciplinary Panel Data Research 540, DIW Berlin, The German Socio-Economic Panel (SOEP).
    52. Annamaria Lusardi & Pierre-Carl Michaud & Olivia S. Mitchell, 2013. "Optimal Financial Knowledge and Wealth Inequality," NBER Working Papers 18669, National Bureau of Economic Research, Inc.
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    563. Raquel Fonseca Benito & Kathleen J. Mullen & Gema Zamarro & Julie Zissimopoulos, 2010. "What Explains the Gender Gap in Financial Literacy? The Role of Household Decision-Making," Working Papers WR-762, RAND Corporation.
    564. Mohamed Ali Shabeeb Ali & Mohammed Abdullah Ammer & Ibrahim A. Elshaer, 2022. "Determinants of Investment Awareness: A Moderating Structural Equation Modeling-Based Model in the Saudi Arabian Context," Mathematics, MDPI, vol. 10(20), pages 1-18, October.
    565. Kaiser, Tim & Oberrauch, Luis & Seeber, Günther, 2019. "Measuring Economic Competence of Secondary School Students in Germany," EconStor Preprints 202639, ZBW - Leibniz Information Centre for Economics.
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    567. Mantilla, Cesar, 2014. "Financial literacy in Colombia seen through the lens of the interest rate bias," IAST Working Papers 14-12, Institute for Advanced Study in Toulouse (IAST).
    568. Horia Ioan Tulai & Codruța Maria Făt & Daniela Georgeta, 2021. "The current framework of financial education in Romania in the context of the informational economy," Journal of Financial Studies, Institute of Financial Studies, vol. 10(6), pages 33-47, May.
    569. Koch, Melanie & Menkhoff, Lukas & Schmidt, Ulrich, 2021. "Coupled lotteries—A new method to analyze inequality aversion," Journal of Economic Behavior & Organization, Elsevier, vol. 191(C), pages 236-256.
    570. Muhammad Nauman Sadiq, Raja Ased Azad Khan, 2019. "Impact of Personality Traits on Investment Intention: The Mediating Role of Risk Behaviour and the Moderating Role of Financial Literacy," Journal of Finance and Economics Research, Geist Science, Iqra University, Faculty of Business Administration, vol. 4(1), pages 1-18, March.
    571. Helena Susana Amaral Geraldes & Ana Paula Matias Gama & Mário Augusto, 2026. "Financial Well‐Being: A Combined Analysis of Objective and Subjective Factors and Institutional Context," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 31(2), pages 2593-2620, April.

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    Cited by:

    1. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    2. Webley, Paul & Nyhus, Ellen K., 2013. "Economic socialization, saving and assets in European young adults," Economics of Education Review, Elsevier, vol. 33(C), pages 19-30.
    3. Boto Ferreira, Mário & Costa Pinto, Diego & Maurer Herter, Márcia & Soro, Jerônimo & Vanneschi, Leonardo & Castelli, Mauro & Peres, Fernando, 2021. "Using artificial intelligence to overcome over-indebtedness and fight poverty," Journal of Business Research, Elsevier, vol. 131(C), pages 411-425.
    4. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek & Joanne Yoong, 2014. "Five Steps to Planning Success. Experimental Evidence from U.S. Households," Framed Field Experiments 00434, The Field Experiments Website.
    5. Yiing Jia Loke, 2015. "Financial Knowledge and Behaviour of Working Adults in Malaysia," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 9(1), pages 18-38, February.
    6. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    7. María-Jesús Gallego-Losada & Antonio Montero-Navarro & Rocío Gallego-Losada & José-Luis Rodríguez-Sánchez, 2024. "Measuring financial divide in the rural environment. The potential role of the digital transformation of finance," International Entrepreneurship and Management Journal, Springer, vol. 20(4), pages 2791-2810, December.
    8. Avner Ben-Ner & John List & Louis Putterman & Anya Samek, 2015. "Learned Generosity? A Field Experiment with Parents and Their Children," Artefactual Field Experiments 00434, The Field Experiments Website.
    9. Wen, Xin & Cheng, Zhiming & Tani, Massimiliano, 2024. "Rural-urban migration, financial literacy, and entrepreneurship," Journal of Business Research, Elsevier, vol. 175(C).
    10. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    11. Mohammad G Nejad & Sertan Kabadayi, 2016. "Optimal introductory pricing for new financial services," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(1), pages 34-50, March.
    12. Giuseppe Cappelletti & Giovanni Guazzarotti & Pietro Tommasino, 2011. "What determines annuity demand at retirement?," Temi di discussione (Economic working papers) 805, Bank of Italy, Economic Research and International Relations Area.
    13. Adam Ndou, 2023. "The relationship between demographic factors and financial literacy," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(1), pages 155-164, January.
    14. Annamaria Lusardi, 2008. "Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs," NBER Working Papers 13824, National Bureau of Economic Research, Inc.
    15. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    16. Binder Carola Conces, 2017. "Economic policy uncertainty and household inflation uncertainty," The B.E. Journal of Macroeconomics, De Gruyter, vol. 17(2), pages 1-20, June.
    17. Ornella Ricci & Gianluca Santilli, 2024. "Exploring the link between financial literacy and business interruption insurance: evidence from Italian micro-enterprises," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 49(4), pages 663-681, October.
    18. Marimuthu SELVAKUMAR & Veluchamy SATHYALAKSHMI, 2015. "Financial consumer protection and customer satisfaction. A relationship study by using factor analysis and discriminant analysis," EuroEconomica, Danubius University of Galati, issue 2(34), pages 71-94, November.
    19. Nicole Jonker & Anneke Kosse, 2020. "The Interplay of Financial Education, Financial Literacy, Financial Inclusion and Financial Stability: Any Lessons for the Current Big Tech Era?," Staff Working Papers 20-32, Bank of Canada.
    20. Wen, Xin & Cheng, Zhiming & Tani, Massimiliano, 2025. "Daughters, Savings and Household Finances," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 117(C).
    21. Ryan Compton & Daniel Giedeman & Leslie Muller, 2018. "Racial Differentials in the Wealth Effects of the Financial Crisis and Great Recession," Journal of Economics, Race, and Policy, Springer, vol. 1(2), pages 126-141, September.
    22. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    23. J. Michael Collins, 2011. "How good is the GFE? How truthful is the TILA? Comparing mortgage loan disclosures to settlement documents," Housing Policy Debate, Taylor & Francis Journals, vol. 21(4), pages 565-583, June.
    24. Marshall Wellington Blay & Alhassan Musah & Charles Ayariga & Daniel Odei Okyere, 2024. "Determinants of Financial Literacy and its Effect on Stock Market Participation among University Students in Ghana," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(2), pages 15-25, March.
    25. María José Roa García & Diana Mejía, 2018. "Introduction," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 1, pages 1-12, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    26. Vanessa Mak & Jurgen Braspenning, 2012. "Errare humanum est: Financial Literacy in European Consumer Credit Law," Journal of Consumer Policy, Springer, vol. 35(3), pages 307-332, September.
    27. Adam Ndou, 2023. "Parental Financial Socialisation and Financial Knowledge: A Structural Equation Modelling Analysis," International Journal of Business and Economic Sciences Applied Research (IJBESAR), Democritus University of Thrace (DUTH), Kavala Campus, Greece, vol. 16(1), pages 27-39, October.
    28. Popovich, Jacob J. & Loibl, Cäzilia & Zirkle, Christopher & Whittington, M. Susie, 2020. "Community college students’ response to a financial literacy intervention: An exploratory study," International Review of Economics Education, Elsevier, vol. 34(C).
    29. Raccanello, Kristiano & Romero-García, David Arturo, 2012. "Prácticas predatorias y crédito al consumidor," eseconomía, Escuela Superior de Economía, Instituto Politécnico Nacional, vol. 0(36), pages 7-43, cuarto tr.
    30. Jinhee Kim & Jaslean LaTaillade & Haejeong Kim, 2011. "Family Processes and Adolescents’ Financial Behaviors," Journal of Family and Economic Issues, Springer, vol. 32(4), pages 668-679, December.
    31. Qian, Yuting & Tan, Weiqiang & Wu, Jingbo, 2024. "Household financial literacy and retirement planning in rural China," International Review of Financial Analysis, Elsevier, vol. 93(C).
    32. Gosaitse E. Solomon & Trust Nhete & Burman M. Sithole, 2018. "The Case for the Need for Personal Financial Literacy Education in Botswana Secondary Schools," SAGE Open, , vol. 8(1), pages 21582440177, January.
    33. Lu Fan, 2021. "A Conceptual Framework of Financial Advice-Seeking and Short- and Long-Term Financial Behaviors: An Age Comparison," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 90-112, March.
    34. Mustabsar Awais & M. Fahad Laber & Nilofer Rasheed & Aisha Khursheed, 2016. "Impact of Financial Literacy and Investment Experience on Risk Tolerance and Investment Decisions: Empirical Evidence from Pakistan," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 6(1), pages 73-79.
    35. Pablo Blanchard & Sebastián Fleitas & Rodrigo González Valdenegro, 2026. "Regulation by Public Options : Evidence from Pension Funds," Documentos de Trabajo (working papers) 26-03, Instituto de Economía - IECON.
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    41. James D. Shilling & Piyush Tiwari, 2021. "On Bank Pricing of Single-family Residential Home Loans: Are Australian Households Paying Too Much?​," GRU Working Paper Series GRU_2021_023, City University of Hong Kong, Department of Economics and Finance, Global Research Unit.
    42. Gabrielle Wong-Parodi & Baruch Fischhoff & Ben Strauss, 2014. "A method to evaluate the usability of interactive climate change impact decision aids," Climatic Change, Springer, vol. 126(3), pages 485-493, October.
    43. Mahnaz Mahdavi & Nicholas J. Horton, 2014. "Financial Knowledge among Educated Women: Room for Improvement," Journal of Consumer Affairs, Wiley Blackwell, vol. 48(2), pages 403-417, June.
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    45. Riyada Consulting and Training, 2011. "Financial Literacy and Consumer Awareness Survey in the West Bank and Gaza," World Bank Publications - Reports 25898, The World Bank Group.
    46. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Retirement Planning in the United States," NBER Working Papers 17108, National Bureau of Economic Research, Inc.
    47. Mohammad G. Nejad & Genevieve O’Connor, 2016. "An intersectional approach to evaluating consumer financial literacy," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(4), pages 308-324, December.
    48. Bhavya Bhatia, 2023. "Indian Millennials’ Financial Literacy and Its Relationship with Financial Instruments and Fintech," Metamorphosis: A Journal of Management Research, , vol. 22(2), pages 109-120, December.
    49. Oliver Williams & Stephen Satchell, 2011. "Social welfare issues of financial literacy and their implications for regulation," Journal of Regulatory Economics, Springer, vol. 40(1), pages 1-40, August.
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    53. Indarte,Sasha & Kanz,Martin, 2024. "Debt Relief for Households in Developing Economies," Policy Research Working Paper Series 10819, The World Bank.
    54. Daniel Grodzicki & Sergei Koulayev, 2021. "Sustained credit card borrowing," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 622-653, June.
    55. Yiing Jia Loke, 2017. "Financial Vulnerability of Working Adults in Malaysia," Contemporary Economics, Vizja University, vol. 11(2), June.
    56. Paiella, Monica, 2016. "Financial literacy and subjective expectations questions: A validation exercise," Research in Economics, Elsevier, vol. 70(2), pages 360-374.
    57. Lilis Ardini & Mochammad Fahlevi & Mochamad Dandi & Olivia Putri Dahlan & Sahara Putri Dahlan, 2024. "Digital Financial Literacy and Its Impact on Financial Skills and Financial Goals in Indonesia’s Digital Payment Ecosystem," Economic Studies journal, Bulgarian Academy of Sciences - Economic Research Institute, issue 7, pages 181-199.
    58. Annamaria Lusardi & Daniel J. Schneider & Peter Tufano, 2011. "Financially Fragile Households: Evidence and Implications," NBER Working Papers 17072, National Bureau of Economic Research, Inc.
    59. Scott Schuh & Joanna Stavins, 2008. "Summary of the workshop on Consumer Behavior and Payment Choice," Public Policy Discussion Paper 08-5, Federal Reserve Bank of Boston.
    60. Dimitris Anastasiou & Apostolos Katsafados, 2023. "Bank deposits and textual sentiment: When an European Central Bank president's speech is not just a speech," Manchester School, University of Manchester, vol. 91(1), pages 55-87, January.
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    63. Francisco Jesús Gálvez-Sánchez & Juan Lara-Rubio & Antonio José Verdú-Jóver & Víctor Meseguer-Sánchez, 2021. "Research Advances on Financial Inclusion: A Bibliometric Analysis," Sustainability, MDPI, vol. 13(6), pages 1-19, March.
    64. Charu Bhurat, 2019. "Brics Nations And Financial Inclusion: A Comparative Study Of The Brics Nations Using Various Finanical Inclusion Indicators," Proceedings of International Academic Conferences 9011574, International Institute of Social and Economic Sciences.
    65. Lusardi, Annamaria, 2008. "Increasing the effectiveness of financial education in the workplace," CFS Working Paper Series 2008/18, Center for Financial Studies (CFS).
    66. Wändi Bruine de Bruin & Michael F. Bryan & Simon M. Potter & Giorgio Topa & Wilbert Van der Klaauw, 2008. "Rethinking the measurement of household inflation expectations: preliminary findings," Staff Reports 359, Federal Reserve Bank of New York.
    67. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    68. Richard Disney & John Gathergood, 2012. "Financial Literacy and Consumer Credit Portfolios," Discussion Papers 12/06, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM).
    69. Mundada, Aishwarya S. & Prehoda, Emily W. & Pearce, Joshua M., 2017. "U.S. market for solar photovoltaic plug-and-play systems," Renewable Energy, Elsevier, vol. 103(C), pages 255-264.
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  59. Silvia Ardagna & Annamaria Lusardi, 2008. "Explaining International Differences in Entrepreneurship: The Role of Individual Characteristics and Regulatory Constraints," NBER Working Papers 14012, National Bureau of Economic Research, Inc.

    Cited by:

    1. Jacques Pelkmans & Andrea Renda, "undated". "Does EU Regulation Hinder or Stimulate Innovation?," IRMO Occasional Papers 5, Institute for Development and International Relations, Zagreb.
    2. Mejia, Paula & Meléndez Arjona, Marcela, 2012. "Middle-Class Entrepreneurs and Social Mobility through Entrepreneurship in Colombia," IDB Publications (Working Papers) 4082, Inter-American Development Bank.
    3. Francesco Quatraro & Marco Vivarelli, 2015. "Drivers of entrepreneurship and post-entry performance of newborn firms in developing countries," Post-Print hal-01071511, HAL.
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    75. Melinda Lewis & Megan O'Brien & Amanda Jones‐Layman & Elizabeth A. O'Neill & William Elliott, 2017. "Saving and Educational Asset Building Within a Community‐Driven CSA Program: The Case of Promise Indiana," Poverty & Public Policy, John Wiley & Sons, vol. 9(2), pages 188-208, June.
    76. Kyoung Tae Kim & Jonghee Lee & Sherman D. Hanna, 2020. "The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(2), pages 517-540, June.
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    88. Mostafa Saidur Rahim Khan & Naheed Rabbani, 2025. "Mind the gap: differentiating financial and debt literacy in shaping student financial behavior," Future Business Journal, Springer, vol. 11(1), pages 1-13, December.
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  61. Annamaria Lusardi, 2008. "Increasing the Effectiveness of Financial Education in the Workplace," CeRP Working Papers 79, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Ginevra Buratti & Alessio D'Ignazio, 2024. "Improving the effectiveness of financial education programs. A targeting approach," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 451-485, June.
    2. George Okello Candiya Bongomin & Joseph Mpeera Ntayi & John C. Munene & Isaac Nkote Nabeta, 2016. "Financial Inclusion in Rural Uganda: Testing Interaction Effect of Financial Literacy and Networks," Journal of African Business, Taylor & Francis Journals, vol. 17(1), pages 106-128, January.
    3. Horia Ioan Tulai & Codruța Maria Făt & Daniela Georgeta, 2021. "The current framework of financial education in Romania in the context of the informational economy," Journal of Financial Studies, Institute of Financial Studies, vol. 10(6), pages 33-47, May.

  62. Annamaria Lusardi, 2007. "Household Saving Behavior: The Role of Literacy, Information and Financial Education Programs," CeRP Working Papers 65, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. Bruce Ian Carlin & David T. Robinson, 2010. "What Does Financial Literacy Training Teach Us?," NBER Working Papers 16271, National Bureau of Economic Research, Inc.
    2. Habila, Murna, 2015. "Influence of Financial Education on Retirement Security: Evidence from the state of Illinois," MPRA Paper 73988, University Library of Munich, Germany, revised 05 Jun 2016.
    3. Nikolaos Satsios & Spyros Hadjidakis & Ioannis Sotiropoulos & Nicholas Tsounis, 2020. "Religiosity and Intention towards Saving of a Muslim Minority in Greece," Asian Culture and History, Canadian Center of Science and Education, vol. 12(1), pages 1-28, March.
    4. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2008. "The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment," Working Paper Series 2008-20, Ohio State University, Charles A. Dice Center for Research in Financial Economics.
    5. Annamaria Lusardi & Olivia S. Mitchell, 2009. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," NBER Working Papers 15350, National Bureau of Economic Research, Inc.
    6. Boris V. Kupriyanov & Elena M. Karpova & Mikhail A. Shevelev, 2025. "Potential of Participatory School Budgeting Practices in Improving Financial Literacy of Students," Finansovyj žhurnal — Financial Journal, Financial Research Institute, Moscow 125375, Russia, issue 2, pages 25-38, April.
    7. Tae-young Pak & Swarnankur Chatterjee, 2016. "Savings Decisions of American Households: The Roles of Financial Literacy and Financial Practice," Economics Bulletin, AccessEcon, vol. 36(3), pages 1486-1496.
    8. Lusardi, Annamaria, 2008. "Increasing the effectiveness of financial education in the workplace," CFS Working Paper Series 2008/18, Center for Financial Studies (CFS).
    9. Trinh Xuan Thi Nguyen & Sumeet Lal & Sulemana Abdul-Salam & Mostafa Saidur Rahim Khan & Yoshihiko Kadoya, 2022. "Financial Literacy, Financial Education, and Cancer Screening Behavior: Evidence from Japan," IJERPH, MDPI, vol. 19(8), pages 1-17, April.

  63. Annamaria Lusardi & Olivia Mitchell, 2007. "Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel," Working Papers wp157, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Cynthia L. Harter & John F. R. Harter, 2022. "The Link Between Adverse Childhood Experiences and Financial Security in Adulthood," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 832-842, December.
    2. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    3. Shizuka Sekita & Vikas Kakkar & Masao Ogaki, 2018. "Wealth, Financial Literacy and Behavioral Biases: Evidence from Japan," Keio-IES Discussion Paper Series 2018-023, Institute for Economics Studies, Keio University.
    4. Jeremy Burke & Angela A. Hung, 2015. "Trust and Financial Advice," Working Papers WR-1075, RAND Corporation.
    5. Xiaomeng Lu & Yali Lai & Yong Zhang, 2023. "Digital financial inclusion and investment diversification: Evidence from China," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 63(S2), pages 2781-2799, June.
    6. Nosi, Costanza & D’Agostino, Antonella & Maria Pagliuca, Margherita & Alberto Pratesi, Carlo, 2014. "Saving for old age: Longevity annuity buying intention of Italian young adults," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 51(C), pages 85-98.
    7. Lusardi, Annamaria & Mitchell, Olivia S., 2008. "Planning and financial literacy: How do women fare?," CFS Working Paper Series 2008/03, Center for Financial Studies (CFS).
    8. Alessandro Bucciol & Simone Quercia & Alessia Sconti, 2020. "Promoting Financial Literacy among the Elderly: Consequences on Confidence," Working Papers 12/2020, University of Verona, Department of Economics.
    9. Jean-Guillaume Sahuc & Barbara Annicchiarico & Rebecca Clipal, 2025. "Intergenerational Household Finance and the Green Transition Cost," EconomiX Working Papers 2025-30, University of Paris Nanterre, EconomiX.
    10. Carlos Delgado Urbáez, 2018. "Bankarization among Households in the Dominican Republic," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 10, pages 309-347, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    11. Hoffmann, Arvid O.I. & Plotkina, Daria, 2020. "Why and when does financial information affect retirement planning intentions and which consumers are more likely to act on them?," Journal of Business Research, Elsevier, vol. 117(C), pages 411-431.
    12. Katja Neugebauer, 2010. "Schockübertragung und Drittlandeffekte auf internationalen Bankenmärkten," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 79(4), pages 59-74.
    13. Jere R. Behrman & Olivia S. Mitchell & Cindy Soo & David Bravo, 2010. "Financial Literacy, Schooling, and Wealth Accumulation," NBER Working Papers 16452, National Bureau of Economic Research, Inc.
    14. Johannes G. Jaspersen & Vijay Aseervatham, 2017. "The Influence of Affect on Heuristic Thinking in Insurance Demand," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 84(1), pages 239-266, March.
    15. Miller, Margaret & Reichelstein, Julia & Salas, Christian & Zia, Bilal, 2014. "Can you help someone become financially capable ? a meta-analysis of the literature," Policy Research Working Paper Series 6745, The World Bank.
    16. Solomon Antwiagyei Kuffour & George Adu, 2019. "Financial Literacy, Trust and Stock Market Participation in Ghana," Economics Literature, WERI-World Economic Research Institute, vol. 1(2), pages 101-116, December.
    17. Hyrum Smith & Michael Finke & Sandra Huston, 2012. "Financial Sophistication and Housing Leverage Among Older Households," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 315-327, September.
    18. Annamaria Lusardi, 2008. "Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs," NBER Working Papers 13824, National Bureau of Economic Research, Inc.
    19. Haidong Zhao & Lini Zhang & Sophia Anong, 2023. "Financial socialization and financial distress: The role of cognitive and noncognitive abilities," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(3), pages 1236-1257, July.
    20. Fuchsman, Dillon & McGee, Josh B. & Zamarro, Gema, 2023. "Teachers’ willingness to pay for retirement benefits: A national stated preferences experiment," Economics of Education Review, Elsevier, vol. 92(C).
    21. Lusardi, Annamaria, 2008. "Financial literacy: An essential tool for informed consumer choice?," CFS Working Paper Series 2008/19, Center for Financial Studies (CFS).
    22. Nur Diyana Yusoff & Shafinar Ismail & Noraznira Abd Razak & Nor Shahrina Mohd Rafien & Wahida Yaakub, 2024. "Retirement Preparedness among Malaysia’s Low-Income Private Sector Employees: A Conceptual Model," Information Management and Business Review, AMH International, vol. 16(3), pages 613-627.
    23. Joshua Tasoff & Wenjie Zhang, 2022. "The Performance of Time-Preference and Risk-Preference Measures in Surveys," Management Science, INFORMS, vol. 68(2), pages 1149-1173, February.
    24. H. Kent Baker & Sweta Tomar & Satish Kumar & Deepak Verma, 2021. "Are Indian professional women financially literate and prepared for retirement?," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(4), pages 1416-1441, December.
    25. Bose, Udichibarna & MacDonald, Ronald & Tsoukas, Serafeim, 2015. "Education and the local equity bias around the world," SIRE Discussion Papers 2015-76, Scottish Institute for Research in Economics (SIRE).
    26. Johannes G. Jaspersen & Marc A. Ragin & Justin R. Sydnor, 2022. "Insurance demand experiments: Comparing crowdworking to the lab," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 89(4), pages 1077-1107, December.
    27. Fenig, Guidon & Petersen, Luba, 2026. "Dynamic optimization meets budgeting: Unraveling financial complexities," Journal of Economic Behavior & Organization, Elsevier, vol. 244(C).
    28. Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D., 2015. "Financial literacy and financial planning: Evidence from India," Journal of Housing Economics, Elsevier, vol. 27(C), pages 4-21.
    29. Christoph Huber & Julia Rose, 2019. "Do individual attitudes towards imprecision survive in experimental asset markets?," Working Papers 2019-06, Faculty of Economics and Statistics, Universität Innsbruck.
    30. Patra Sai Rashmi & Mohapatra Shakti Ranjan, 2025. "Interrelations of investment Experience and Investment Decision, The Mediating Role of Financial Literacy - A Study of Investors’ Behaviour at Indian Stock Market," Economics and Applied Informatics, "Dunarea de Jos" University of Galati, Faculty of Economics and Business Administration, issue 2, pages 95-102.
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    1053. Liu, Jian & Zhang, Sen & Liu, Zhan & Huang, Weihua, 2026. "Regulatory "intensity" and participation "enthusiasm": How does financial regulatory law drive residents' participation in pension security?," Economic Analysis and Policy, Elsevier, vol. 89(C), pages 542-555.
    1054. Paul Gerrans & Craig Speelman & Guillermo Campitelli, 2014. "The Relationship Between Personal Financial Wellness and Financial Wellbeing: A Structural Equation Modelling Approach," Journal of Family and Economic Issues, Springer, vol. 35(2), pages 145-160, June.
    1055. S. Ananda & Raghavendra Prasanna Kumar & Tamanna Dalwai, 2024. "Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 843-854, September.
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    1109. Hu, Debao & Guo, Fang & Shang, Jianing & Zhang, Xinyue, 2024. "Does digital finance increase household risk-taking? Evidence from China," International Review of Economics & Finance, Elsevier, vol. 93(PA), pages 1197-1210.
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    1112. Jung, Alexander & Mongelli, Francesco Paolo, 2025. "Central bank communication with non-experts: insights from a randomized field experiment," Working Paper Series 3103, European Central Bank.
    1113. Sarah Auster & Nicola Pavoni, 2018. "Optimal Delegation and Limited Awareness, with an Application to Financial Intermediation," BAFFI CAREFIN Working Papers 1869, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    1114. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).
    1115. Eriksson, Kent & Hermansson, Cecilia & Jonsson, Sara, 2019. "The viability of the bank advisory service business model - effects of customers' trust, satisfaction and loyalty on client-level performance," Working Paper Series 19/4, Royal Institute of Technology, Department of Real Estate and Construction Management & Banking and Finance.
    1116. Hu, Mingzhi & Lin, Zhenguo & Liu, Yingchun, 2024. "Financial literacy and mortgage stress," Journal of Banking & Finance, Elsevier, vol. 163(C).
    1117. Nur Diyana Yusoff & Shafinar Ismail & Noraznira Abd Razak & Nor Shahrina Mohd Rafien & Azreen Roslan, 2025. "Risk Tolerance and Financial Knowledge in Retirement Preparedness: A Conceptual Framework Based on Prospect Theory for Malaysia’s Low-Income Workers," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 5946-5962, September.
    1118. Tsang, Albert & Yu, Li, 2023. "Socially responsible local firms and stock market participation: Evidence from the U.S. household survey," Journal of Behavioral and Experimental Finance, Elsevier, vol. 40(C).
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    1121. Peng, Geng & Liu, Fang & Lu, Wenyi & Liao, Kaicheng & Tang, Changan & Zhu, Lei, 2018. "A spatial-temporal analysis of financial literacy in United States of America," Finance Research Letters, Elsevier, vol. 26(C), pages 56-62.
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    1123. Mark Browne & Verena Jaeger & Petra Steinorth, 2019. "The impact of economic conditions on individual and managerial risk taking," The Geneva Papers on Risk and Insurance Theory, Springer;International Association for the Study of Insurance Economics (The Geneva Association), vol. 44(1), pages 27-53, March.
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    1125. Lo Prete, Anna, 2013. "Economic literacy, inequality, and financial development," Economics Letters, Elsevier, vol. 118(1), pages 74-76.
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    1129. D'Hondt, Catherine & Elhichou Elmaya, Younes & Petitjean, Mikael, 2020. "Retail Investing in Passive Exchange Traded Funds," LIDAM Discussion Papers LFIN 2020013, Université catholique de Louvain, Louvain Finance (LFIN).
    1130. Kavita Karan Ingale & Ratna Achuta Paluri, 2025. "Retirement planning – a systematic review of literature and future research directions," Management Review Quarterly, Springer, vol. 75(1), pages 1-43, February.
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  65. Annamaria Lusardi & Jason Beeler, 2006. "Savings Between Cohorts: The Role of Planning," Working Papers wp122, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Annamaria Lusardi, 2008. "Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs," NBER Working Papers 13824, National Bureau of Economic Research, Inc.
    2. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    3. Anokye M. Adam, & Siaw Frimpong, & Mavis Opoku Boadu, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center, vol. 13(2), pages 224-236, May.
    4. Annamaria Lusardi & Olivia S. Mitchell, 2009. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," NBER Working Papers 15350, National Bureau of Economic Research, Inc.
    5. Annamaria Lusardi & Olivia Mitchell, 2006. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs," Working Papers wp144, University of Michigan, Michigan Retirement Research Center.
    6. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    7. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    8. Annamaria Lusardi, 2008. "Financial Literacy: An Essential Tool for Informed Consumer Choice?," NBER Working Papers 14084, National Bureau of Economic Research, Inc.
    9. Annamaria Lusardi & Olivia S. Mitchell, 2006. "Baby Boomer Retirement Security: the Roles of Planning, Financial Literacy, and Housing Wealth," NBER Working Papers 12585, National Bureau of Economic Research, Inc.
    10. Annamaria Lusardi, 2006. "Planning and Financial Literacy: How Do Women Fare?," Working Papers wp136, University of Michigan, Michigan Retirement Research Center.
    11. Annamaria Lusardi & Olivia Mitchell, 2007. "Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel," Working Papers wp157, University of Michigan, Michigan Retirement Research Center.
    12. Maya Haran Rosen & Orly Sade, 2019. "Does Financial Regulation Unintentionally Ignore Less Privileged Populations? The Investigation of a Regulatory Fintech Advancement, Objective and Subjective Financial Literacy," Natural Field Experiments 00662, The Field Experiments Website.
    13. Adam, Anokye Mohammed & Frimpong, Siaw & Boadu, Mavis Opoku, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center (PRADEC), vol. 13(2).

  66. Annamaria Lusardi & Olivia S. Mitchell, 2006. "Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth," CeRP Working Papers 54, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Robert Clark & Melinda Sandler Morrill & Steven G. Allen, 2010. "The Role of Financial Literacy in Determining Retirement Plans," NBER Working Papers 16612, National Bureau of Economic Research, Inc.
    3. Blasch, Julia & Boogen, Nina & Filippini, Massimo & Kumar, Nilkanth, 2017. "Explaining electricity demand and the role of energy and investment literacy on end-use efficiency of Swiss households," Energy Economics, Elsevier, vol. 68(S1), pages 89-102.
    4. Rolison, Jonathan J & Hanoch, Yaniv & Wood, Stacey, 2017. "Saving for the future: Dynamic effects of time horizon," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 70(C), pages 47-54.
    5. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    6. Johan Almenberg & Artashes Karapetyan, 2010. "Mental accounting in the housing market," Working Paper 2010/20, Norges Bank.
    7. Johannes Binswanger, 2010. "Understanding the Heterogeneity of Savings and Asset Allocation: A Behavioral-Economics Perspective," Post-Print hal-00870188, HAL.
    8. Giesecke, Matthias & Yang, Guanzhong, 2016. "Are financial retirement incentives more effective if pension knowledge is high?," Ruhr Economic Papers 641, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    9. Rui Yao & Yilan Xu, 2015. "Chinese Urban Households’ Security Market Participation: Does Investment Knowledge and Having a Long-Term Plan Help?," Journal of Family and Economic Issues, Springer, vol. 36(3), pages 328-339, September.
    10. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," MPRA Paper 89452, University Library of Munich, Germany.
    11. Kieren, Pascal & Weber, Martin, 2019. "When saving is not enough: The wealth decumulation decision in retirement," CFS Working Paper Series 634, Center for Financial Studies (CFS).
    12. Justine S. Hastings & Olivia S. Mitchell, 2011. "How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors," NBER Working Papers 16740, National Bureau of Economic Research, Inc.
    13. Hugo Benítez-Silva & Selcuk Eren & Frank Heiland & Sergi Jiménez-Martín, 2008. "How well do individuals predict the selling prices of their homes?," Economics Working Papers 1065, Department of Economics and Business, Universitat Pompeu Fabra, revised Apr 2008.
    14. Klühs, Theres & Grohmann, Antonia & Menkhoff, Lukas, 2017. "Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence," VfS Annual Conference 2017 (Vienna): Alternative Structures for Money and Banking 168165, Verein für Socialpolitik / German Economic Association.
    15. Carin van der Cruijsen & Marie-Claire Broekhoff, 2024. "Gender gaps in the world of payments," Working Papers 805, DNB.
    16. Jian Li & Alexis Meyer‐Cirkel, 2021. "Promoting financial literacy through a digital platform: A pilot study in Luxembourg," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 26(1), pages 73-87, January.
    17. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek & Joanne Yoong, 2014. "Five Steps to Planning Success. Experimental Evidence from U.S. Households," Framed Field Experiments 00434, The Field Experiments Website.
    18. Ann Huff Stevens, 2008. "Retirement Wealth Across Cohorts: The Role of Earnings Inequality and Pension Changes," Working Papers wp186, University of Michigan, Michigan Retirement Research Center.
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    683. Helena Susana Amaral Geraldes & Ana Paula Matias Gama & Mário Augusto, 2026. "Financial Well‐Being: A Combined Analysis of Objective and Subjective Factors and Institutional Context," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 31(2), pages 2593-2620, April.

  67. Hurst, Erik & Kennickell, Arthur & Lusardi, Annamaria & Torralba, Francisco, 2006. "Precautionary savings and the importance of business owners," CFS Working Paper Series 2006/16, Center for Financial Studies (CFS).

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    1. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2011. "Current Account Imbalances: can Structural Reforms Help to Reduce Them?," OECD Journal: Economic Studies, OECD Publishing, vol. 2011(1), pages 1-44.
    2. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    3. Kazi Ziaul Zafri & Tippawan Lertatthakornkit & Sarana Photchanachan & Tao Zhu & Walton Wider, 2024. "Weathering the Inflationary Storm 2021-2022: Crisis Management Modalities for the Informal Microenterprise Sector," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(5), pages 47-61, September.
    4. De Andrés Mosquera, Andrés, 2017. "Los determinantes a largo plazo y su contribución a la tasa de ahorro de los hogares españoles en el período 1985-2016 || Long-term determinants and its contribution to Spanish household saving rate during the period 1985-2016," Revista de Métodos Cuantitativos para la Economía y la Empresa = Journal of Quantitative Methods for Economics and Business Administration, Universidad Pablo de Olavide, Department of Quantitative Methods for Economics and Business Administration, vol. 24(1), pages 292-339, Diciembre.
    5. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," Working Papers halshs-00585994, HAL.
    6. Camilo Mondragón-Vélez & Ximena Peña, 2010. "Business Ownership and Self-Employment in Developing Economies: The Colombian Case," NBER Chapters, in: International Differences in Entrepreneurship, pages 89-127, National Bureau of Economic Research, Inc.
    7. Carroll, Christopher D. & Kimball, Miles S., 2006. "Precautionary Saving and Precautionary Wealth," CFS Working Paper Series 2006/02, Center for Financial Studies (CFS).
    8. Annamaria Lusardi & Olivia S. Mitchell, 2006. "Baby Boomer Retirement Security: the Roles of Planning, Financial Literacy, and Housing Wealth," NBER Working Papers 12585, National Bureau of Economic Research, Inc.
    9. Marco Percoco, 2015. "Homeownership and saving preferences: evidence from Italy," Letters in Spatial and Resource Sciences, Springer, vol. 8(2), pages 141-149, July.
    10. Amber Remble & Maria Marshall & Roman Keeney, 2014. "Household Saving Behavior and the Influence of Family-Owned Business," Journal of Family and Economic Issues, Springer, vol. 35(3), pages 411-422, September.
    11. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    12. Jappelli, Tullio & Padula, Mario & Pistaferri, Luigi, 2007. "A direct test of the buffer-stock model of saving," CFS Working Paper Series 2007/29, Center for Financial Studies (CFS).
    13. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2010. "The Impact of Structural Policies on Saving, Investment and Current Accounts," OECD Economics Department Working Papers 815, OECD Publishing.
    14. Klemm, Marcus, 2012. "Job Security Perceptions and the Saving Behavior of German Households," Ruhr Economic Papers 380, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    15. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    16. Dong, Zhaoyingzi & Chi-man Hui, Eddie & Yu, Chenwei, 2024. "Does housing purchase affect entrepreneurship? -Evidence from urban households in China," International Review of Economics & Finance, Elsevier, vol. 96(PB).

  68. Annamaria Lusardi, 2006. "Financial Literacy and Financial Education: Review and Policy Implications," NFI Policy Briefs 2006-PB-11, Indiana State University, Scott College of Business, Networks Financial Institute.

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    1. Mohammed Ahmar Uddin, 2017. "Microinsurance in India: Insurance literacy and demand," Business and Economic Horizons (BEH), Prague Development Center, vol. 13(2), pages 182-191, May.
    2. Samira Ben Belgacem & Ghousia Khatoon & Dora Talbi & Abad Alzuman, 2024. "Reconnoitering FinTech's moderating effect on the determinants of women's financial literacy," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(2), pages 123-148, June.
    3. Sharon Tennyson, 2011. "Consumers’ Insurance Literacy," NFI Policy Briefs 2011-PB-06, Indiana State University, Scott College of Business, Networks Financial Institute.
    4. Bhavya Bhatia, 2023. "Indian Millennials’ Financial Literacy and Its Relationship with Financial Instruments and Fintech," Metamorphosis: A Journal of Management Research, , vol. 22(2), pages 109-120, December.
    5. Andrea Hetling & Judy L. Postmus & Cecilia Kaltz, 2016. "A Randomized Controlled Trial of a Financial Literacy Curriculum for Survivors of Intimate Partner Violence," Journal of Family and Economic Issues, Springer, vol. 37(4), pages 672-685, December.
    6. Uddin, Mohammed Ahmar, 2017. "Microinsurance in India: Insurance literacy and demand," Business and Economic Horizons (BEH), Prague Development Center (PRADEC), vol. 13(2).
    7. Meier, Stephan & Sprenger, Charles, 2008. "Discounting Financial Literacy: Time Preferences and Participation in Financial Education Programs," IZA Discussion Papers 3507, IZA Network @ LISER.
    8. Brian Lucey & Michael Daly, 2013. "What Do The Irish Know About Economics," The Institute for International Integration Studies Discussion Paper Series iiisdp432, IIIS.
    9. Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "The effect of self-confidence on financial literacy," Working Papers 1428, BBVA Bank, Economic Research Department.
    10. Tatom, John, 2010. "Financial wellbeing and some problems in assessing its link to financial education," MPRA Paper 26411, University Library of Munich, Germany.
    11. Eurico J. Ferreira & Concetta A. DePaolo & Harry Edward Gallatin, 2011. "Assessing Finance Literacy Teaching at Indiana State University," NFI Working Papers 2011-WP-24, Indiana State University, Scott College of Business, Networks Financial Institute.
    12. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    13. Thi Anh Nhu Nguyen, "undated". "Financing Constraints On Smes In Emerging Markets: Does Financial Literacy Matter?," Review of Socio - Economic Perspectives 201711, Reviewsep.

  69. Annamaria Lusardi & Olivia Mitchell, 2006. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs," Working Papers wp144, University of Michigan, Michigan Retirement Research Center.

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    1. Gopi Shah Goda & Colleen Flaherty Manchester & Aaron Sojourner, 2012. "What Will My Account Really Be Worth? An Experiment on Exponential Growth Bias and Retirement Saving," Working Papers WR-873-2, RAND Corporation.
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    5. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    6. Susnaningsih Muat & Nurul Shahnaz Mahdzan & Mohd Edil Abd Sukor, 2024. "What shapes the financial capabilities of young adults in the US and Asia-Pacific region? A systematic literature review," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-15, December.
    7. Renuka Sane & Susan Thomas, 2013. "In search of inclusion: informal sector participation in a voluntary, defined contribution pension system," Indira Gandhi Institute of Development Research, Mumbai Working Papers 2013-022, Indira Gandhi Institute of Development Research, Mumbai, India.
    8. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    9. Mohamad Fazli Sabri & Mervin Anthony & Siong Hook Law & Husniyah Abdul Rahim & Nik Ahmad Sufian Burhan & Muslimah Ithnin, 2024. "Impact of financial behaviour on financial well-being: evidence among young adults in Malaysia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 788-807, September.
    10. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
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    14. van Rooij, Maarten & Lusardi, Annamaria & Alessie, Rob J. M., 2007. "Financial literacy and stock market participation," CFS Working Paper Series 2007/27, Center for Financial Studies (CFS).
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    340. Anna Kaliciak & Radoslaw Kurach & Walid Merouani, 2016. "Who is Eager to Save for Retirement – the Cross-Country Evidence," LWS Working papers 23, LIS Cross-National Data Center in Luxembourg.
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    347. Zhang, Yong & Lu, Xiaomeng & Xiao, Jing Jian, 2023. "Does financial education help to improve the return on stock investment? Evidence from China," Pacific-Basin Finance Journal, Elsevier, vol. 78(C).
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    349. Jeffrey B. Liebman & Erzo F.P. Luttmer, 2014. "The Perception Of Social Security Incentives For Labor Supply And Retirement: The Median Voter Knows More Than You'd Think," NBER Working Papers 20562, National Bureau of Economic Research, Inc.
    350. Goda, Gopi Shah & Manchester, Colleen Flaherty & Sojourner, Aaron J., 2014. "What will my account really be worth? Experimental evidence on how retirement income projections affect saving," Journal of Public Economics, Elsevier, vol. 119(C), pages 80-92.
    351. Claudia Custodio & Diogo Mendes & Daniel Metzger, 2021. "The impact of financial education of executives on financial practices of medium and large enterprises," NOVAFRICA Working Paper Series wp2105, Universidade Nova de Lisboa, Nova School of Business and Economics, NOVAFRICA.
    352. Florina Salaghe & Dimitra Papadovasilaki & Federico Guerrero & James Sundali, 2020. "Temptation and Retirement Accounts: A Story of Time Inconsistency and Bounded Rationality," Athens Journal of Business & Economics, Athens Institute for Education and Research (ATINER), vol. 6(3), pages 173-198, April.
    353. Sundar, B. & Virmani, Vineet, 2013. "Numeracy and Financial Literacy of Forest Dependent Communities Evidence from Andhra Pradesh," IIMA Working Papers WP2013-09-02, Indian Institute of Management Ahmedabad, Research and Publication Department.
    354. Untung Rahardja & Shih-Chih Chen & Yu-Chun Lin & Tsung-Chieh Tsai & Qurotul Aini & Asif Khan & Fitra Putri Oganda & Elisa Royani Dewi & Ying-Chieh Cho & Chung-Hao Hsu, 2023. "Evaluating the Mediating Mechanism of Perceived Trust and Risk toward Cryptocurrency: An Empirical Research," SAGE Open, , vol. 13(4), pages 21582440231, December.
    355. Asyraf Afthanorhan & Abdullah Al Mamun & Noor Raihani Zainol & Hazimi Foziah & Zainudin Awang, 2020. "Framing the Retirement Planning Behavior Model towards Sustainable Wellbeing among Youth: The Moderating Effect of Public Profiles," Sustainability, MDPI, vol. 12(21), pages 1-24, October.
    356. Heenkenda, Shirantha, 2016. "The Determinants of Dropouts from Voluntary Pension Scheme: Evidence from Sri Lanka," MPRA Paper 72481, University Library of Munich, Germany.
    357. Chavis Ketkaew & Martine Van Wouwe & Preecha Vichitthamaros & Duanpen Teerawanviwat, 2019. "The Effect of Expected Income on Wealth Accumulation and Retirement Contribution of Thai Wageworkers," SAGE Open, , vol. 9(4), pages 21582440198, December.
    358. Robin Henager & Brenda J. Cude, 2019. "Financial Literacy of High School Graduates: Long- and Short-Term Financial Behavior by Age Group," Journal of Family and Economic Issues, Springer, vol. 40(3), pages 564-575, September.
    359. Patel, Pankaj C. & Wolfe, Marcus T., 2019. "Money might not make you happy, but can happiness make you money? The value of leveraging subjective well-being to enhance financial well-being in self-employment," Journal of Business Venturing Insights, Elsevier, vol. 12(C).
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  70. Hurst, Erik & Kennickell, Arthur & Lusardi, Annamaria & Torralba, Francisco, 2006. "Precautionary savings and the importance of business owners," CFS Working Paper Series 2006/16, Center for Financial Studies (CFS).

    Cited by:

    1. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2011. "Current Account Imbalances: can Structural Reforms Help to Reduce Them?," OECD Journal: Economic Studies, OECD Publishing, vol. 2011(1), pages 1-44.
    2. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    3. Kazi Ziaul Zafri & Tippawan Lertatthakornkit & Sarana Photchanachan & Tao Zhu & Walton Wider, 2024. "Weathering the Inflationary Storm 2021-2022: Crisis Management Modalities for the Informal Microenterprise Sector," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(5), pages 47-61, September.
    4. De Andrés Mosquera, Andrés, 2017. "Los determinantes a largo plazo y su contribución a la tasa de ahorro de los hogares españoles en el período 1985-2016 || Long-term determinants and its contribution to Spanish household saving rate during the period 1985-2016," Revista de Métodos Cuantitativos para la Economía y la Empresa = Journal of Quantitative Methods for Economics and Business Administration, Universidad Pablo de Olavide, Department of Quantitative Methods for Economics and Business Administration, vol. 24(1), pages 292-339, Diciembre.
    5. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," Working Papers halshs-00585994, HAL.
    6. Camilo Mondragón-Vélez & Ximena Peña, 2010. "Business Ownership and Self-Employment in Developing Economies: The Colombian Case," NBER Chapters, in: International Differences in Entrepreneurship, pages 89-127, National Bureau of Economic Research, Inc.
    7. Carroll, Christopher D. & Kimball, Miles S., 2006. "Precautionary Saving and Precautionary Wealth," CFS Working Paper Series 2006/02, Center for Financial Studies (CFS).
    8. Annamaria Lusardi & Olivia S. Mitchell, 2006. "Baby Boomer Retirement Security: the Roles of Planning, Financial Literacy, and Housing Wealth," NBER Working Papers 12585, National Bureau of Economic Research, Inc.
    9. Marco Percoco, 2015. "Homeownership and saving preferences: evidence from Italy," Letters in Spatial and Resource Sciences, Springer, vol. 8(2), pages 141-149, July.
    10. Amber Remble & Maria Marshall & Roman Keeney, 2014. "Household Saving Behavior and the Influence of Family-Owned Business," Journal of Family and Economic Issues, Springer, vol. 35(3), pages 411-422, September.
    11. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    12. Jappelli, Tullio & Padula, Mario & Pistaferri, Luigi, 2007. "A direct test of the buffer-stock model of saving," CFS Working Paper Series 2007/29, Center for Financial Studies (CFS).
    13. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2010. "The Impact of Structural Policies on Saving, Investment and Current Accounts," OECD Economics Department Working Papers 815, OECD Publishing.
    14. Klemm, Marcus, 2012. "Job Security Perceptions and the Saving Behavior of German Households," Ruhr Economic Papers 380, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    15. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    16. Dong, Zhaoyingzi & Chi-man Hui, Eddie & Yu, Chenwei, 2024. "Does housing purchase affect entrepreneurship? -Evidence from urban households in China," International Review of Economics & Finance, Elsevier, vol. 96(PB).

  71. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).

    Cited by:

    1. Durfari Velandia Naranjo & Edwin Gameren, 2016. "Precautionary Savings in Mexico: Evidence From the Mexican Health and Aging Study," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 62(2), pages 334-361, June.
    2. Tokuoka, Kiichi, 2013. "Saving response to unemployment of a sibling," Journal of Economic Behavior & Organization, Elsevier, vol. 89(C), pages 58-75.
    3. Zheng Liu & Feng Huang & Dongming Zhu & Hui He, 2014. "Breaking the "Iron Rice Bowl" and Precautionary Savings: Evidence from Chinese State-Owned Enterprises Reform," 2014 Meeting Papers 764, Society for Economic Dynamics.
    4. Pericoli, Filippo Maria & Ventura, Luigi, 2011. "Family dissolution and precautionary savings: an empirical analysis," MPRA Paper 36354, University Library of Munich, Germany.
    5. Corina Boar, 2021. "Dynastic Precautionary Savings," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2735-2765.
    6. Laura Bartiloro & Cristiana Rampazzi, 2013. "Italian households� saving and wealth during the crisis," Questioni di Economia e Finanza (Occasional Papers) 148, Bank of Italy, Economic Research and International Relations Area.
    7. Yin, Penghui, 2021. "Optimal attention and heterogeneous precautionary saving behavior," Journal of Economic Dynamics and Control, Elsevier, vol. 131(C).
    8. Camilo Mondragón-Vélez & Ximena Peña, 2010. "Business Ownership and Self-Employment in Developing Economies: The Colombian Case," NBER Chapters, in: International Differences in Entrepreneurship, pages 89-127, National Bureau of Economic Research, Inc.
    9. Andrea Brandolini & Silvia Magri & Timothy M. Smeeding, 2010. "Asset-based measurement of poverty," Temi di discussione (Economic working papers) 755, Bank of Italy, Economic Research and International Relations Area.
    10. Lothar Essig, 2005. "Precautionary saving and old-age provisions: Do subjective saving motive measures work?," MEA discussion paper series 05084, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    11. Corina Boar, 2017. "Dynastic Precautionary Savings," 2017 Meeting Papers 343, Society for Economic Dynamics.
    12. Wako Watanabe, 2005. "Income Uncertainty and Self-Reported Precautionary Wealth: Evidence from the Japanese Micro Data," ISER Discussion Paper 0636, Institute of Social and Economic Research, The University of Osaka.
    13. Sarah Brown & Pulak Ghosh & Bhuvanesh Pareek & Karl Taylor, 2017. "Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data," Working Papers 2017011, The University of Sheffield, Department of Economics.
    14. Maria Teresa Medeiros Garcia & Carlos Barros & Antonio Silvestre, 2011. "Saving behaviour: evidence from Portugal," International Review of Applied Economics, Taylor & Francis Journals, vol. 25(2), pages 225-238.
    15. Paolo Melindi Ghidi, 2005. "A Model for Determining Consumption and Social Assistance Demand in Uncertainty Conditions," Rivista di Politica Economica, SIPI Spa, vol. 95(6), pages 167-198, November-.
    16. Bańkowska, Katarzyna & Borlescu, Ana Maria & Charalambakis, Evangelos & Dias Da Silva, António & Di Laurea, Davide & Dossche, Maarten & Georgarakos, Dimitris & Honkkila, Juha & Kennedy, Neale & Kenny,, 2021. "ECB Consumer Expectations Survey: an overview and first evaluation," Occasional Paper Series 287, European Central Bank.
    17. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    18. Reichling, Felix, 2006. "Optimal Unemployment Insurance in Labor Market Equilibrium when Workers can Self-Insure," MPRA Paper 5362, University Library of Munich, Germany, revised 16 Oct 2007.
    19. Corina Boar, 2020. "Dynastic Precautionary Savings," NBER Working Papers 26635, National Bureau of Economic Research, Inc.
    20. Campbell, J.R. & Hercowitz, Zvi, 2018. "Liquidity Constraints of the Middle Class (revision of CentER DP 2015-009)," Discussion Paper 2018-039, Tilburg University, Center for Economic Research.
    21. Swati Prasad & Ravi Kiran & Rakesh Kumar Sharma, 2021. "Examining saving habits and discriminating on the basis of demographic factors: A descriptive study of retail investors'," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 26(2), pages 2859-2870, April.
    22. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    23. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    24. Xing, Victor, 2016. "Higher Return for Savers and a Path toward Higher Investment," MPRA Paper 77806, University Library of Munich, Germany.
    25. Essig, Lothar, 2004. "Precautionary saving and old-age provisions: Do subjective saving motives measures work?," Sonderforschungsbereich 504 Publications 05-22, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.

  72. Annamaria Lusardi & Olivia S. Mitchell, 2005. "Financial Literacy and Planning: Implications for Retirement Wellbeing," CeRP Working Papers 46, Center for Research on Pensions and Welfare Policies, Turin (Italy).

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Robert Clark & Melinda Sandler Morrill & Steven G. Allen, 2010. "The Role of Financial Literacy in Determining Retirement Plans," NBER Working Papers 16612, National Bureau of Economic Research, Inc.
    3. Eren, Okan & Genç İleri, Şerife, 2022. "Life cycle analysis of savings accounts with matching contributions," Economic Modelling, Elsevier, vol. 116(C).
    4. Rolison, Jonathan J & Hanoch, Yaniv & Wood, Stacey, 2017. "Saving for the future: Dynamic effects of time horizon," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 70(C), pages 47-54.
    5. Kieren, Pascal & Weber, Martin, 2019. "When saving is not enough: The wealth decumulation decision in retirement," CFS Working Paper Series 634, Center for Financial Studies (CFS).
    6. Breunig, Christoph & Huck, Steffen & Schmidt, Tobias & Weizsäcker, Georg, 2019. "The Standard Portfolio Choice Problem in Germany," Rationality and Competition Discussion Paper Series 171, CRC TRR 190 Rationality and Competition.
    7. Daniel Fernandes & John G. Lynch & Richard G. Netemeyer, 2014. "Financial Literacy, Financial Education, and Downstream Financial Behaviors," Management Science, INFORMS, vol. 60(8), pages 1861-1883, August.
    8. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    9. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    10. Alan L. Gustman & Thomas L. Steinmeier & Nahid Tabatabai, 2010. "Financial Knowledge and Financial Literacy at the Household Level," NBER Working Papers 16500, National Bureau of Economic Research, Inc.
    11. Yiing Jia Loke, 2015. "Financial Knowledge and Behaviour of Working Adults in Malaysia," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 9(1), pages 18-38, February.
    12. Lunn, Pete & Bohacek, Marek & Somerville, Jason & Ni Choisdealbha, Aine & McGowan, Feidhlim, 2016. "PRICE Lab: An Investigation of Consumers’ Capabilities with Complex Products," Research Series, Economic and Social Research Institute (ESRI), number BKMNEXT306.
    13. Siebert, Jana & Siebert, Johannes Ulrich & Blösl, Florian, 2026. "Deciding for a secure tomorrow: Proactive decision-making and retirement financial planning behavior," European Journal of Operational Research, Elsevier, vol. 331(3), pages 878-893.
    14. Niţoi, Mihai & Pochea, Maria-Miruna, 2024. "Trust in the central bank, financial literacy, and personal beliefs," Journal of International Money and Finance, Elsevier, vol. 143(C).
    15. Giovanni Gallo & Costanza Torricelli & Arthur van Soest, 2016. "Individual heterogeneity and pension choices: How to communicate an effective message?," Center for the Analysis of Public Policies (CAPP) 0136, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    16. Schwartz, Steven T. & Spires, Eric E. & Young, Richard A., 2015. "A teaching note on the tax benefits of retirement savings," Journal of Accounting Education, Elsevier, vol. 33(2), pages 164-181.
    17. Bannier, Christina E. & Schwarz, Milena, 2018. "Gender- and education-related effects of financial literacy and confidence on financial wealth," Journal of Economic Psychology, Elsevier, vol. 67(C), pages 66-86.
    18. Isaac Koomson & Renato A. Villano & David Hadley, 2023. "The role of financial literacy in households’ asset accumulation process: evidence from Ghana," Review of Economics of the Household, Springer, vol. 21(2), pages 591-614, June.
    19. Back, Camila & Morana, Stefan & Spann, Martin, 2021. "Do Robo-Advisors Make Us Better Investors?," Rationality and Competition Discussion Paper Series 276, CRC TRR 190 Rationality and Competition.
    20. Jin Huang & Margaret S. Sherraden & Michael Sherraden & Lissa Johnson, 2022. "Experimental Effects of Child Development Accounts on Financial Capability of Young Mothers," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 36-50, March.
    21. Feng, Xiangnan & Lu, Bin & Song, Xinyuan & Ma, Shuang, 2019. "Financial literacy and household finances: A Bayesian two-part latent variable modeling approach," Journal of Empirical Finance, Elsevier, vol. 51(C), pages 119-137.
    22. Junhao Liu & Anita Mukherjee, 2021. "Medicaid and long‐term care: The effects of penalizing strategic asset transfers," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(1), pages 53-77, March.
    23. Dimitrios Christelis & Tullio Jappelli & Mario Padula, 2006. "Cognitive Abilities and Portfolio Choice," CSEF Working Papers 157, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    24. Wang, Ke & Zhang, Rui & Zhang, Xuyang, 2025. "Unravelling the impact of financial attention on household debt: Evidence from the China household finance survey," International Review of Economics & Finance, Elsevier, vol. 103(C).
    25. Shu-Hsi Ho, 2016. "A Study of Outpatient Utilization Between Widowers and Widows among the Elderly in Taiwan," Review of Economics & Finance, Better Advances Press, Canada, vol. 6, pages 79-90, February.
    26. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Paradigm, vol. 11(2), pages 117-131, October.
    27. Tijani Ahmed Ajayi & Obioma Vivian Ugwoke & Edith Ogomegbunam Onyeanu & Robinson Onuora Ugwoke & Adaorah R. Onuorah, 2022. "Investigation of Financial Literacy and Money Attitudes Among First-Year Undergraduate Accounting Students: A Rational Emotive Behavior Therapy-Based Coaching Intervention," SAGE Open, , vol. 12(3), pages 21582440221, September.
    28. Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez., 2021. "Educación financiera y decisiones de ahorro e inversión: un análisis de la Encuesta de Competencias Financieras (ECF)," CNMV Documentos de Trabajo CNMV Documentos de Trabaj, CNMV- Comisión Nacional del Mercado de Valores - Departamento de Estudios y Estadísticas.
    29. Hyrum Smith & Michael Finke & Sandra Huston, 2012. "Financial Sophistication and Housing Leverage Among Older Households," Journal of Family and Economic Issues, Springer, vol. 33(3), pages 315-327, September.
    30. Jing Jian Xiao & Nilton Porto, 2022. "Financial capability and wellbeing of vulnerable consumers," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 1004-1018, June.
    31. Panha Heng & Scott J. Niblock & Jennifer L. Harrison, 2015. "Retirement policy: a review of the role, characteristics, and contribution of the Australian superannuation system," Asian-Pacific Economic Literature, The Crawford School, The Australian National University, vol. 29(2), pages 1-17, November.
    32. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    33. Klapper, Leora & Panos, Georgios A., 2011. "Financial literacy and retirement planning : the Russian case," Policy Research Working Paper Series 5827, The World Bank.
    34. Pahnke, Luise & Honekamp, Ivonne, 2010. "Different Effects of Financial Literacy and Financial Education in Germany," MPRA Paper 22900, University Library of Munich, Germany.
    35. Theodos, Brett & Stacy, Christina Plerhoples & Daniels, Rebecca, 2018. "Client led coaching: A random assignment evaluation of the impacts of financial coaching programs," Journal of Economic Behavior & Organization, Elsevier, vol. 155(C), pages 140-158.
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    289. Jun Feng, 2018. "Voluntary Retirement Savings: The Case of Australia," Journal of Family and Economic Issues, Springer, vol. 39(1), pages 2-18, March.
    290. Lou, Zhaohui & Xie, Qizhuo & Shen, Jim Huangnan & Lee, Chien-Chiang, 2024. "Does Supply Chain Finance (SCF) alleviate funding constraints of SMEs? Evidence from China," Research in International Business and Finance, Elsevier, vol. 67(PA).
    291. Aneta Kłopocka, 2018. "Skłonność gospodarstw domowych do oszczędzania a wiedza finansowa," Bank i Kredyt, Narodowy Bank Polski, vol. 49(5), pages 461-492.
    292. Chavis Ketkaew & Martine Van Wouwe & Preecha Vichitthamaros & Duanpen Teerawanviwat, 2019. "The Effect of Expected Income on Wealth Accumulation and Retirement Contribution of Thai Wageworkers," SAGE Open, , vol. 9(4), pages 21582440198, December.
    293. Cottle Hunt, Erin & Neumuller, Seth & Shivdasani, Yashna, 2024. "To plan, or not to plan? Optimal planning and saving for retirement," Journal of Economic Behavior & Organization, Elsevier, vol. 224(C), pages 39-65.
    294. Patel, Pankaj C. & Wolfe, Marcus T., 2019. "Money might not make you happy, but can happiness make you money? The value of leveraging subjective well-being to enhance financial well-being in self-employment," Journal of Business Venturing Insights, Elsevier, vol. 12(C).
    295. Pan, Xuefeng & Su, Qin & Lei, Haibo, 2024. "How motivations and costs affect financial knowledge learning? Evidence from a large-scale FinTech experiment in China," China Economic Review, Elsevier, vol. 88(C).
    296. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).
    297. Wang-Ly, Nathan & Bateman, Hazel & Dobrescu, Isabella & Newell, Ben R. & Thorp, Susan, 2022. "Defaults, disclosures, advice and calculators: One size does not fit all," Journal of Behavioral and Experimental Finance, Elsevier, vol. 35(C).
    298. Monika Riedel & Helmut Hofer & Birgit Wögerbauer, 2015. "Determinants for the transition from work into retirement in Europe," IZA Journal of European Labor Studies, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 4(1), pages 1-19, December.
    299. Helliar, C.V. & Lowies, B. & Suryawathy, I.G.A. & Whait, R. & Lushington, K., 2022. "The genre of banking financial product information: The characters, the setting, the plot and the story," The British Accounting Review, Elsevier, vol. 54(5).
    300. Oscar Becerra, 2023. "Effects of future pension benefits on pre‐retirement labor supply: Evidence from Chile," Review of Development Economics, Wiley Blackwell, vol. 27(1), pages 198-219, February.
    301. Almenberg, Johan & Gerdes, Christer, 2011. "Exponential Growth Bias and Financial Literacy," IZA Discussion Papers 5814, IZA Network @ LISER.
    302. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).

  73. Arthur Kennickell & Annamaria Lusardi, 2004. "Disentangling the Importance of the Precautionary Saving Mode," NBER Working Papers 10888, National Bureau of Economic Research, Inc.

    Cited by:

    1. Mineyama, Tomohide & Tokuoka, Kiichi, 2025. "Investigating how inflation expectations affect precautionary wealth," Japan and the World Economy, Elsevier, vol. 73(C).
    2. Rabitsch, Katrin & Schoder, Christian, 2016. "Buffer stock savings in a New-Keynesian business cycle model," Department of Economics Working Paper Series 231, WU Vienna University of Economics and Business.
    3. Eva M. Sierminska & Jacques Silber, 2020. "The diversity of household assets holdings in the United States in 2007 and 2009: measurement and determinants," Review of Economics of the Household, Springer, vol. 18(3), pages 599-634, September.
    4. Conor O'Toole & Kieran McQuinn & Philip Economides, 2021. "Household savings constraints, uncertainty and macroprudential policy," Scottish Journal of Political Economy, Scottish Economic Society, vol. 68(2), pages 238-260, May.
    5. Karl E. Case & John M. Quigley & Robert J. Shiller, 2012. "Wealth Effects Revisited 1975-2012," Cowles Foundation Discussion Papers 1884, Cowles Foundation for Research in Economics, Yale University.
    6. Joyce, Matthew & Singh, Aarti, 2025. "Income uncertainty, precautionary wealth, and social insurance," European Economic Review, Elsevier, vol. 175(C).
    7. Somphoom Sawaengkun Author_Email: somphoom@yahoo.com, 2011. "Household Consumption And Old-Age Population: Empirical Study For Thailand And Japan," Annual Summit on Business and Entrepreneurial Studies (ASBES 2011) Proceeding 2011-015-136, Conference Master Resources.
    8. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," Working Papers halshs-00585994, HAL.
    9. Alzuabi, Raslan & Brown, Sarah & Gray, Daniel & Harris, Mark N. & Spencer, Christopher, 2019. "Household Saving, Health, and Healthcare Utilisation in Japan," CEI Working Paper Series 2018-17, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
    10. Ethan Hunt & Dr. Hyungjoon Jeon & Dr. Sang Lee, 2021. "Determinants of Household Savings: An Empirical Evidence from the OECD Member Countries," Business and Economic Research, Macrothink Institute, vol. 11(2), pages 62-75, June.
    11. Demetris Koursaros & Nektarios Michail & Niki Papadopoulou & Christos Savva, 2018. "To Create or to Redistribute? That is the Question," Working Papers 2018-4, Central Bank of Cyprus.
    12. Johannes Geyer, 2011. "The Effect of Health and Employment Risks on Precautionary Savings," Discussion Papers of DIW Berlin 1167, DIW Berlin, German Institute for Economic Research.
    13. Karl E. Case & John M. Quigley & Robert J. Shiller, 2011. "Wealth Effects Revisited 1978-2009," NBER Working Papers 16848, National Bureau of Economic Research, Inc.
    14. Newell, Ben R. & Bateman, Hazel & Dobrescu, Loretti & Embrey, Jake & Nian, Rochelle & Thorp, Susan, 2025. "Undefined benefit: Projections and anchors as guides to retirement decumulation," Journal of Behavioral and Experimental Finance, Elsevier, vol. 48(C).
    15. Pan, Xuefeng & Wu, Weixing, 2021. "Housing returns, precautionary savings and consumption: Micro evidence from China," Journal of Empirical Finance, Elsevier, vol. 60(C), pages 39-55.
    16. Marco Percoco, 2015. "Homeownership and saving preferences: evidence from Italy," Letters in Spatial and Resource Sciences, Springer, vol. 8(2), pages 141-149, July.
    17. Campbell, J.R. & Hercowitz, Zvi, 2018. "Liquidity Constraints of the Middle Class (revision of CentER DP 2015-009)," Other publications TiSEM 3ac40903-deab-40a3-9847-1, Tilburg University, School of Economics and Management.
    18. Jesse Bricker & Brian K. Bucks & Arthur Kennickell & Traci L. Mach & Kevin Moore, 2011. "Drowning or Weathering the Storm? Changes in Family Finances from 2007 to 2009," NBER Working Papers 16985, National Bureau of Economic Research, Inc.
    19. Alonso-García, Jennifer & Bateman, Hazel & Bonekamp, Johan & van Soest, Arthur & Stevens, Ralph, 2022. "Saving preferences after retirement," Journal of Economic Behavior & Organization, Elsevier, vol. 198(C), pages 409-433.
    20. Jesse Bricker & Brian Bucks & Arthur B. Kennickell & Traci L. Mach & Kevin B. Moore, 2011. "Surveying the aftermath of the storm: changes in family finances from 2007 to 2009," Finance and Economics Discussion Series 2011-17, Board of Governors of the Federal Reserve System (U.S.).
    21. Carroll, Christopher D. & Holm, Martin B. & Kimball, Miles S., 2021. "Liquidity constraints and precautionary saving," Journal of Economic Theory, Elsevier, vol. 195(C).
    22. Case, Karl E. & Quigley, John M. & Shiller, Robert J., 2005. "Comparing Wealth Effects: The Stock Market versus the Housing Market," Berkeley Program on Housing and Urban Policy, Working Paper Series qt28d3s92s, Berkeley Program on Housing and Urban Policy.
    23. Erik Hurst & Arthur Kennickell & Annamaria Lusardi & Francisco Torralba, 2005. "Precautionary Savings and the Importance of Business Owners," NBER Working Papers 11731, National Bureau of Economic Research, Inc.
    24. Nektarios A. Michail & George Thucydides, 2018. "Does Housing Wealth Affect Consumption? The Case of Cyprus," Cyprus Economic Policy Review, University of Cyprus, Economics Research Centre, vol. 12(2), pages 67-86, December.
    25. Ralph Stevens & Jennifer Alonso Garcia & Hazel Bateman & Arthur van Soest & Johan Bonekamp, 2022. "Saving preferences after retirement," ULB Institutional Repository 2013/342267, ULB -- Universite Libre de Bruxelles.
    26. Jappelli, Tullio & Padula, Mario & Pistaferri, Luigi, 2007. "A direct test of the buffer-stock model of saving," CFS Working Paper Series 2007/29, Center for Financial Studies (CFS).
    27. He, Hui & Huang, Feng & Liu, Zheng & Zhu, Dongming, 2018. "Breaking the “iron rice bowl:” Evidence of precautionary savings from the chinese state-owned enterprises reform," Journal of Monetary Economics, Elsevier, vol. 94(C), pages 94-113.
    28. Tianli Yang & Zhong Zhao, 2025. "Public Long‐Term Care Insurance and Retirement Intentions of Urban Workers: Evidence From China," Health Economics, John Wiley & Sons, Ltd., vol. 34(9), pages 1537-1559, September.
    29. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    30. Horvath, Jaroslav & Lahtinen, Kyre Dane, 2025. "Cross-country gender bias and corporate cash holdings," Finance Research Letters, Elsevier, vol. 75(C).
    31. Jesse Bricker & Brian Bucks & Arthur Kennickell & Traci Mach & Kevin Moore, 2014. "Drowning or Weathering the Storm? Changes in Family Finances from 2007 to 2009," NBER Chapters, in: Measuring Wealth and Financial Intermediation and Their Links to the Real Economy, pages 323-348, National Bureau of Economic Research, Inc.
    32. Joanna Stavins, 2021. "Unprepared For Financial Shocks: Emergency Savings And Credit Card Debt," Contemporary Economic Policy, Western Economic Association International, vol. 39(1), pages 59-82, January.

  74. Annamaria Lusardi & Jonathan Skinner & Steven Venti, 2003. "Pension Accounting & Personal Saving," Just the Facts jtf8, Center for Retirement Research.

    Cited by:

    1. Peter Fortune, 2005. "Pension accounting and corporate earnings: the world according to GAAP," Public Policy Discussion Paper 06-2, Federal Reserve Bank of Boston.

  75. Annamaria Lusardi, 2003. "The Impact of Financial Education on Savings and Asset," Working Papers wp061, University of Michigan, Michigan Retirement Research Center.

    Cited by:

    1. Han, Chang-Keun & Sherraden, Michael, 2009. "Do institutions really matter for saving among low-income households? A comparative approach," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 38(3), pages 475-483, June.
    2. Erik Hurst, 2004. "Grasshoppers, Ants and Pre-Retirement Wealth: A Test of Permanent Income Consumers," Working Papers wp088, University of Michigan, Michigan Retirement Research Center.
    3. Chang-Keun Han & Michael Sherraden, 2009. "Attitudes and Saving in Individual Development Accounts: Latent Class Analysis," Journal of Family and Economic Issues, Springer, vol. 30(3), pages 226-236, September.
    4. Melinda Lewis & Megan O'Brien & Amanda Jones‐Layman & Elizabeth A. O'Neill & William Elliott, 2017. "Saving and Educational Asset Building Within a Community‐Driven CSA Program: The Case of Promise Indiana," Poverty & Public Policy, John Wiley & Sons, vol. 9(2), pages 188-208, June.
    5. Zaiton Osman & Phang Ing@Grace & Azaze-Azizi Abd Adis & Izyanti Awg Razli & Mohd Rizwan Abd Majid & Imbarine Bujang, 2016. "Retirement Planning & Job Satisfaction: Cushion to Avoid Bridge Employment?," Asian Social Science, Canadian Center of Science and Education, vol. 12(1), pages 30-41, January.

  76. Del Boca, Daniela & Lusardi, Annamaria, 2002. "Credit Market Constraints and Labor Market Decisions," IZA Discussion Papers 598, IZA Network @ LISER.

    Cited by:

    1. Muhammad Nawaz & Niraj P. Koirala & Hassan Butt, 2025. "Labor Supply as a Buffer: The Implication of Credit Constraints in the US," JRFM, MDPI, vol. 18(6), pages 1-21, June.
    2. Xiandeng Jiang & Zheng Pan & Ningru Zhao, 2023. "Relative Value vs Absolute Value: Housing Wealth and Labor Supply," The Journal of Real Estate Finance and Economics, Springer, vol. 66(1), pages 41-76, January.
    3. Stratford, Beth, 2020. "The Threat of Rent Extraction in a Resource-constrained Future," Ecological Economics, Elsevier, vol. 169(C).
    4. Perugini, Cristiano, 2020. "Patterns and drivers of household income dynamics in Russia: The role of access to credit," BOFIT Discussion Papers 11/2020, Bank of Finland Institute for Emerging Economies (BOFIT).
    5. Cigno, Alessandro, 2008. "Is there a social security tax wedge," Labour Economics, Elsevier, vol. 15(1), pages 68-77, February.
    6. Bram De Rock & Mariia Kovaleva & Tom Potoms, 2023. "A Spouse and a House are all we need? Housing Demand, Labor Supply and Divorce over the Lifecycle," Working Papers ECARES 2023-18, ULB -- Universite Libre de Bruxelles.
    7. Jiang, Xiandeng & Zhao, Ningru & Pan, Zheng, 2022. "Regional housing wealth, relative housing wealth and labor market behavior," Journal of Housing Economics, Elsevier, vol. 55(C).
    8. Christian Bredemeier & Jan Gravert & Falko Juessen, 2023. "Accounting for Limited Commitment between Spouses when Estimating Labor-Supply," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 51, pages 547-578, December.
    9. Blundell, Richard & Pistaferri, Luigi & Saporta-Eksten, Itay, 2012. "Consumption Inequality and Family Labor Supply," CEPR Discussion Papers 9172, Centre for Economic Policy Research.
    10. Massimo Baldini & Costanza Torricelli & Maria Cesira Urzì Brancati, 2018. "Family ties: Labor supply responses to cope with a household employment shock," Review of Economics of the Household, Springer, vol. 16(3), pages 809-832, September.
    11. Serena Trucchi, 2011. "How credit markets affect homeownership: an explanation based on differences between Italian regions," CeRP Working Papers 122, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    12. Jeffrey R. Campbell & Zvi Hercowitz, 2004. "The role of households' collateralized debts in macroeconomic stabilization," Working Paper Series WP-04-24, Federal Reserve Bank of Chicago.
    13. Tommaso Aquilante & Luca Livio & Tom Potoms, 2020. "On-the-job training and intra-family dynamics," Bank of England Staff Working Paper series 873, Bank of England.
    14. Jeffrey R. Campbell & Zvi Hercowitz, 2004. "The dynamics of work and debt," Working Paper Series WP-04-05, Federal Reserve Bank of Chicago.
    15. Renata Bottazzi & Hamish Low & Matthew Wakefield, 2007. "Why do home owners work longer hours?," IFS Working Papers W07/10, Institute for Fiscal Studies.
    16. Atalay, Kadir & Edwards, Rebecca & Liu, Betty Y.J., 2017. "Effects of house prices on health: New evidence from Australia," Social Science & Medicine, Elsevier, vol. 192(C), pages 36-48.
    17. Jeffrey R. Campbell & Zvi Hercowitz, 2011. "The financial labor supply accelerator," Working Paper Series WP-2011-05, Federal Reserve Bank of Chicago.
    18. Sangyup Choi & Junhyeok Shin, 2020. "Household Indebtedness and the Macroeconomic Effects of Tax Changes," Working papers 2020rwp-178, Yonsei University, Yonsei Economics Research Institute.
    19. Fabio Blasutto, 2024. "Cohabitation VS. Marriage: Mating Strategies by Education in the Usa," ULB Institutional Repository 2013/364795, ULB -- Universite Libre de Bruxelles.
    20. Tzu-Ting Yang, 2016. "Family Labor Supply and the Timing of Cash Transfers: Evidence from the Earned Income Tax Credit," IEAS Working Paper : academic research 16-A012, Institute of Economics, Academia Sinica, Taipei, Taiwan.
    21. Philipp M Lersch & Wilfred Uunk, 2017. "The shadow of future homeownership: the association of wanting to move into homeownership with labour supply," Work, Employment & Society, British Sociological Association, vol. 31(3), pages 522-541, June.
    22. Giulia M Dotti Sani & Claudia Acciai, 2018. "Two hearts and a loan? Mortgages, employment insecurity and earnings among young couples in six European countries," Urban Studies, Urban Studies Journal Limited, vol. 55(11), pages 2451-2469, August.
    23. Daniela del Boca & Marilena Locatelli & Silvia Pasqua, 2000. "Employment Decisions of Married Women: Evidence and Explanations," CHILD Working Papers wp08_00, CHILD - Centre for Household, Income, Labour and Demographic economics - ITALY.
    24. Kim, Wongi, 2023. "Private sector debt overhang and government spending multipliers: Not all debts are alike," European Economic Review, Elsevier, vol. 154(C).
    25. Nuno Martins & Ernesto Villanueva, 2006. "Does limited access to mortgage debt explain why young adults live with their parents?," Working Papers 0628, Banco de España.
    26. David Aristei & Cristiano Perugini, 2022. "Credit and income mobility in Russia," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 20(3), pages 639-669, September.
    27. Jung Youn Lee & Joonhyuk Yang & Eric T. Anderson, 2025. "Using Grocery Data for Credit Decisions," Management Science, INFORMS, vol. 71(4), pages 2753-2777, April.
    28. Abe, Yukiko, 2011. "Family labor supply, commuting time, and residential decisions: The case of the Tokyo Metropolitan Area," Journal of Housing Economics, Elsevier, vol. 20(1), pages 49-63, March.
    29. Rossi, Mariacristina & Trucchi, Serena, 2016. "Liquidity constraints and labor supply," European Economic Review, Elsevier, vol. 87(C), pages 176-193.
    30. Raj Chetty & Adam Szeidl, 2006. "Consumption Commitments and Risk Preferences," NBER Working Papers 12467, National Bureau of Economic Research, Inc.
    31. Demirel, Ufuk Devrim, 2021. "The short-term effects of tax changes: The role of state dependence," Journal of Monetary Economics, Elsevier, vol. 117(C), pages 918-934.
    32. Jeffrey R. Campbell & Zvi Hercowitz, 2005. "The Role of Collateralized Household Debt in Macroeconomic Stabilization," NBER Working Papers 11330, National Bureau of Economic Research, Inc.

  77. Börsch-Supan, Axel & Annamaria Lusardi, 2002. "Saving Viewed from a Cross-National Perspective," MEA discussion paper series 02024, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

    Cited by:

    1. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    2. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.

  78. Daniela del Boca & Annamaria Lusardi, 2001. "Credit Market Regulations Changes And Labor Market Decisions," CHILD Working Papers wp22_01, CHILD - Centre for Household, Income, Labour and Demographic economics - ITALY.

    Cited by:

    1. Bhattacharya, J. & Chankraborty, S., 2003. "What do Information Frictions Do?," Discussion Paper 2003-21, Tilburg University, Center for Economic Research.
    2. Renata Bottazzi, 2004. "Labour market participation and mortgage related borrowing constraints," IFS Working Papers W04/09, Institute for Fiscal Studies.

  79. Annamaria Lusardi & Jonathan Skinner & Steven Venti, 2001. "Saving Puzzles and Saving Policies in the United States," NBER Working Papers 8237, National Bureau of Economic Research, Inc.

    Cited by:

    1. Gerhard Illing & Ulrich Klüh, 2005. "Vermögenspreise und Konsum: Neue Erkenntnisse, amerikanische Erfahrungen und europäische Herausforderungen," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 6(1), pages 1-22, February.
    2. Bunting, David, 2009. "The saving decline: Macro-facts, micro-behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 70(1-2), pages 282-295, May.
    3. Martin Browning & Thomas Crossley, 2001. "The life-cycle model of consumption and saving," IFS Working Papers W01/15, Institute for Fiscal Studies.
    4. Guglielmo Maria Caporale & Mauro Costantini & Antonio Paradiso, 2012. "Re-examining the Decline in the US Saving Rate: The Impact of Mortgage Equity Withdrawal," CESifo Working Paper Series 3897, CESifo.
    5. International Monetary Fund, 2005. "Ireland: Selected Issues," IMF Staff Country Reports 2005/370, International Monetary Fund.
    6. Frank N. Caliendo, 2009. "Is Social Security behind the Collapse of Personal Saving?," CESifo Working Paper Series 2746, CESifo.
    7. Huffman, David B. & Barenstein, Matias, 2004. "Riches to Rags Every Month? The Fall in Consumption Expenditures Between Paydays," IZA Discussion Papers 1430, IZA Network @ LISER.
    8. Attanasio, Orazio & Kitao, Sagiri & Violante, Giovanni L., 2007. "Global demographic trends and social security reform," Journal of Monetary Economics, Elsevier, vol. 54(1), pages 144-198, January.
    9. Alzuabi, Raslan & Brown, Sarah & Gray, Daniel & Harris, Mark N. & Spencer, Christopher, 2019. "Household Saving, Health, and Healthcare Utilisation in Japan," CEI Working Paper Series 2018-17, Center for Economic Institutions, Institute of Economic Research, Hitotsubashi University.
    10. Areendam Chanda, 2005. "The Rise in Returns to Education and the Decline in Household Savings," Departmental Working Papers 2005-05, Department of Economics, Louisiana State University.
    11. Illing, Gerhard & Klüh, Ulrich, 2004. "Vermögenspreise und Konsum," Discussion Papers in Economics 316, University of Munich, Department of Economics.
    12. Ali Güneş & Cengiz Tunç, 2021. "Saving Impact of Mortgage Payments: A Microlevel Study for the U.S. Households," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 49(S2), pages 335-360, September.
    13. Gabriela Lopes de Castro, 2007. "The Wealth Effect on Consumption in the Portuguese Economy," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    14. Inna Verbina, 2003. "Inconsistency in Savings Pattern: Is there an Endogeneity Bias?," WIDER Working Paper Series DP2003-39, World Institute for Development Economic Research (UNU-WIDER).
    15. Ms. Marialuz Moreno Badia, 2006. "Who Saves in Ireland? The Micro Evidence," IMF Working Papers 2006/131, International Monetary Fund.
    16. Massimo Coletta & Riccardo De Bonis & Stefano Piermattei, 2019. "Household Debt in OECD Countries: The Role of Supply-Side and Demand-Side Factors," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 143(3), pages 1185-1217, June.
    17. Riccardo Bonis & Marco Marinucci, 2023. "A Short Note on Interest Rates and Household Wealth," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 9(2), pages 617-635, July.
    18. Martha A. Starr, 2006. "Macroeconomic dimensions of social economics: Saving, the stock market, and pension systems," Working Papers 2006-09, American University, Department of Economics.
    19. James M. Poterba & Steven F. Venti & David A. Wise, 2001. "The Changing Face of Private Retirement Saving in the United States," CESifo Forum, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 2(04), pages 3-11, October.
    20. Annamaria Lusardi & Jonathan Skinner & Steven Venti, 2003. "Pension Accounting & Personal Saving," Just the Facts jtf8, Center for Retirement Research.
    21. Jing Wan & Jie Zhang, 2023. "R&D subsidies, income taxes, and growth through cycles," Economic Theory, Springer;Society for the Advancement of Economic Theory (SAET), vol. 76(3), pages 827-866, October.
    22. Johann K. Brunner & Susanne Pech, 2001. "Die Dritte Säule der Altersvorsorge," Economics working papers 2001-09, Department of Economics, Johannes Kepler University Linz, Austria.
    23. Guillermo Ordonez & Facundo Piguillem, 2022. "Saving Rates and Savings Ratios," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 46, pages 365-381, October.
    24. James M. Poterba & Steven F. Venti & David A. Wise, 2001. "The Transition to Personal Accounts and Increasing Retirement Wealth: Macro and Micro Evidence," NBER Working Papers 8610, National Bureau of Economic Research, Inc.
    25. Börsch-Supan, Axel & Annamaria Lusardi, 2002. "Saving Viewed from a Cross-National Perspective," MEA discussion paper series 02024, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    26. Wynne Godley & Alex Izurieta, 2001. "As The Implosion Begins . . .? Prospects and Policies for the U.S. Economy: A Strategic View," Economics Strategic Analysis Archive 01-7, Levy Economics Institute.

  80. Ricardo Cossa & Erin L. Krupka & Annamaria Lusardi, 2000. "Savings of young parents," Working Paper Series WP-00-23, Federal Reserve Bank of Chicago.

    Cited by:

    1. Mason, Lisa Reyes & Nam, Yunju & Clancy, Margaret & Kim, Youngmi & Loke, Vernon, 2010. "Child Development Accounts and saving for children's future: Do financial incentives matter?," Children and Youth Services Review, Elsevier, vol. 32(11), pages 1570-1576, November.
    2. Raj Aman & Nayak Santosh Kumar & Kumbhar Rathi Kanta, 2025. "Empowering Financial Well-Being through Financial Literacy: A Comparative Analysis of Welfare Recipients and Non-Recipients in Gaya District, Bihar," Economic and Regional Studies / Studia Ekonomiczne i Regionalne, Paradigm, vol. 18(2), pages 220-233.
    3. Leung, Charles, 2004. "Macroeconomics and housing: a review of the literature," Journal of Housing Economics, Elsevier, vol. 13(4), pages 249-267, December.
    4. Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto, 2009. "Financial Literacy among the Young: Evidence and Implications for Consumer Policy," CeRP Working Papers 91, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    5. Grinstein-Weiss, Michal & Hun Yeo, Yeong & Zhan, Min & Charles, Pajarita, 2008. "Asset holding and net worth among households with children: Differences by household type," Children and Youth Services Review, Elsevier, vol. 30(1), pages 62-78, January.
    6. Steven J. Davis & Felix Kubler & Paul S. Willen, 2005. "Borrowing costs and the demand for equity over the life cycle," Working Papers 05-7, Federal Reserve Bank of Boston.
    7. Nicole Kapelle & Carla Rowold, 2025. "Uncovering what matters: Family life-course aspects and personal wealth in late working age," Demographic Research, Max Planck Institute for Demographic Research, Rostock, Germany, vol. 52(22), pages 689-740.
    8. Annamaria Lusardi, 2003. "The Impact of Financial Education on Savings and Asset," Working Papers wp061, University of Michigan, Michigan Retirement Research Center.
    9. Nicole Kapelle & Sergi Vidal, 2020. "Diversity in Family Life Course Patterns and Intra-Cohort Wealth Disparities in Late Working Age," SOEPpapers on Multidisciplinary Panel Data Research 1092, DIW Berlin, The German Socio-Economic Panel (SOEP).
    10. Grinstein-Weiss, Michal & Wagner, Kristen & Ssewamala, Fred M., 2006. "Saving and asset accumulation among low-income families with children in IDAs," Children and Youth Services Review, Elsevier, vol. 28(2), pages 193-211, February.
    11. Nicole Kapelle & Sergi Vidal, 2022. "Heterogeneity in Family Life Course Patterns and Intra-Cohort Wealth Disparities in Late Working Age," European Journal of Population, Springer;European Association for Population Studies, vol. 38(1), pages 59-92, March.

  81. Annamaria Lusardi, 2000. "Explaining Why So Many Households Do Not Save," Working Papers 0001, Harris School of Public Policy Studies, University of Chicago.

    Cited by:

    1. Shane Enete & Martin Seay & Sarah Asebedo & David Wang & Megan McCoy, 2022. "Understanding the influence of emotion on both time and money: applying the broaden and build theory," SN Business & Economics, Springer, vol. 2(5), pages 1-24, May.
    2. Vincent Hildebrand, 2001. "Wealth Accumulation of US Households: What Do We Learn from the SIPP Data?," Social and Economic Dimensions of an Aging Population Research Papers 41, McMaster University.
    3. Martin Browning & Thomas Crossley, 2001. "The life-cycle model of consumption and saving," IFS Working Papers W01/15, Institute for Fiscal Studies.
    4. Luca Agnello & Nikola Altiparmakov & Michal Andrle & Maria Grazia Attinasi & Jan Babeck� & Salvador Barrios & John Bluedorn & Vladimir Borgy & Othman Bouabdallah & Andries Brandsma & Adi Brender & V, 2016. "Beyond the austerity dispute: new priorities for fiscal policy," Workshop and Conferences 20, Bank of Italy, Economic Research and International Relations Area.
    5. Donald Cox & Serena Ng & Andreas Waldkirch, 2000. "Intergenerational Linkages in Consumption Behavior," Econometric Society World Congress 2000 Contributed Papers 1791, Econometric Society, revised 08 Nov 2000.
    6. Jie Zhou & James MacGee, 2014. "Private Pensions, Retirement Wealth and Lifetime Earnings," 2014 Meeting Papers 181, Society for Economic Dynamics.
    7. Marco Cagetti & Mariacristina De Nardi, 2006. "Wealth Inequality: Data and Models," NBER Working Papers 12550, National Bureau of Economic Research, Inc.
    8. Margherita Borella & Flavia Coda Moscarola & Mariacristina Rossi, 2014. "(Un)expected retirement and the consumption puzzle," Empirical Economics, Springer, vol. 47(2), pages 733-751, September.
    9. Fang Yang, 2006. "Accounting for the Heterogeneity in Retirement Wealth," 2006 Meeting Papers 94, Society for Economic Dynamics.
    10. Mark Schreiner & Michael Sherraden & Margaret Clancy & Lissa Johnson & Jami Curley & Min Zahn & Sondra Beverly & Michal Grinstein-Weiss, 2001. "Asset Accumulation in Low-Resource Households: Evidence from Individual Development Accounts," Microeconomics 0108001, University Library of Munich, Germany, revised 27 Dec 2001.
    11. Normann, Marcel & Langer, Thomas, 2001. "Altersvorsorge, Konsumwunsch und mangelnde Selbstdisziplin: Zur Relevanz deskriptiver Theorien für die Gestaltung von Altersvorsorgeprodukten," Sonderforschungsbereich 504 Publications 01-40, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    12. R Alessie & A Kapteyn, 2001. "New data for understanding saving," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 17(1), pages 55-69, Spring.
    13. John Ameriks & Andrew Caplin & John Leahy, 2002. "Wealth Accumulation and the Propensity to Plan," NBER Working Papers 8920, National Bureau of Economic Research, Inc.
    14. David Card & Michael Ransom, 2007. "Pension Plan Characteristics and Framing Effects in Employee Savings Behavior," NBER Working Papers 13275, National Bureau of Economic Research, Inc.
    15. Annamaria Lusardi & Jonathan Skinner & Steven Venti, 2001. "Saving Puzzles and Saving Policies in the United States," NBER Working Papers 8237, National Bureau of Economic Research, Inc.
    16. Douglas A. Hershey & Kène Henkens & Hendrik P. van Dalen, 2006. "Mapping the Minds of Retirement Planners," Tinbergen Institute Discussion Papers 06-038/1, Tinbergen Institute.
    17. Tomar, Sweta & Kent Baker, H. & Kumar, Satish & Hoffmann, Arvid O.I., 2021. "Psychological determinants of retirement financial planning behavior," Journal of Business Research, Elsevier, vol. 133(C), pages 432-449.
    18. Normann, Marcel & Langer, Thomas, 2001. "Altersvorsorge, Konsumwunsch und mangelnde Selbstdisziplin : zur Relevanz deskriptiver Theorien für die Gestaltung von Altersvorsorgeprodukten," Papers 01-40, Sonderforschungsbreich 504.
    19. Andrea Repetto, 2001. "Incentivos al ahorro personal: Lecciones de la economía del comportamiento," Central Banking, Analysis, and Economic Policies Book Series, in: Felipe Morandé & Rodrigo Vergara & Norman Loayza (Series Editor) & Klaus Schmidt-Hebbel (Series Edit (ed.),Análisis Empírico del Ahorro en Chile, edition 1, volume 1, chapter 7, pages 191-240, Central Bank of Chile.
    20. Jeanne M. Hogarth & Chris E. Anguelov & Jinkook Lee, 2003. "Why Households Don’t Have Checking Accounts," Economic Development Quarterly, , vol. 17(1), pages 75-94, February.
    21. Mauro Mastrogiacomo, 2004. "On Expectations, Realizations and Partial Retirement," Tinbergen Institute Discussion Papers 04-052/3, Tinbergen Institute.

  82. Annamaria Lusardi, 2000. "Precautionary Saving and the Accumulation of Wealth," Working Papers 0012, Harris School of Public Policy Studies, University of Chicago.

    Cited by:

    1. Abdul Jalil, Ahmad Zafarullah, 2009. "The importance of precautionary saving motive among Indonesian households," MPRA Paper 25189, University Library of Munich, Germany.
    2. Arthur Kennickell & Annamaria Lusardi, 2004. "Disentangling the Importance of the Precautionary Saving Mode," NBER Working Papers 10888, National Bureau of Economic Research, Inc.
    3. Yih‐Luan Chyi & Yu‐Lun Liu, 2007. "Income Uncertainty and Wealth Accumulation: How Precautionary are Taiwanese Households?," Asian Economic Journal, East Asian Economic Association, vol. 21(3), pages 301-319, September.
    4. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    5. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    6. Börsch-Supan, Axel & Annamaria Lusardi, 2002. "Saving Viewed from a Cross-National Perspective," MEA discussion paper series 02024, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

  83. Arie Kapteyn & Rob Alessie & Annamaria Lusardi, 1999. "Explaining the Wealth Holdings of Different Cohorts: Productivity Growth and Social Security," Tinbergen Institute Discussion Papers 99-069/3, Tinbergen Institute.

    Cited by:

    1. Siminski, Peter & Yu, Sin Hung, 2021. "The Correlation of Wealth between Parents and Children in Australia," IZA Discussion Papers 14784, IZA Network @ LISER.
    2. Börsch-Supan, Axel, 2002. "What We Know and What We Do NOT Know," MEA discussion paper series 02017, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    3. Martin Browning & Thomas Crossley & Melanie Lührmann, 2012. "Durable Purchases over the Later Life Cycle," Koç University-TUSIAD Economic Research Forum Working Papers 1213, Koc University-TUSIAD Economic Research Forum.
    4. Vincent Hildebrand, 2001. "Wealth Accumulation of US Households: What Do We Learn from the SIPP Data?," Social and Economic Dimensions of an Aging Population Research Papers 41, McMaster University.
    5. Mastrogiacomo, Mauro & Dillingh, Rik & Li, Yue, 2023. "The displacement effect of compulsory pension savings on private savings. Evidence from the Netherlands, using pension funds supervisory data," The Journal of the Economics of Ageing, Elsevier, vol. 26(C).
    6. Jonathan Crook & Stefan Hochguertel, 2007. "US and European Household Debt and Credit Constraints," Tinbergen Institute Discussion Papers 07-087/3, Tinbergen Institute.
    7. Anna van der Schors & Rob J.M. Alessie & Mauro Mastrogiacomo, 2007. "Home and Mortgage Ownership of the Dutch Elderly: Explaining Cohort, Time and Age Effects," Social and Economic Dimensions of an Aging Population Research Papers 183, McMaster University.
    8. Gensowski, Miriam & Gørtz, Mette & Schurer, Stefanie, 2020. "Inequality in Personality over the Life Cycle," IZA Discussion Papers 13378, IZA Network @ LISER.
    9. Deborah A. Cobb-Clark & Vincent Hildebrand, 2003. "The Wealth and Asset Holdings of U.S.-Born and Foreign-Born Households: Evidence from SIPP Data," Social and Economic Dimensions of an Aging Population Research Papers 89, McMaster University.
    10. Alessie, Rob & Angelini, Viola & van Santen, Peter, 2013. "Pension wealth and household savings in Europe: Evidence from SHARELIFE," European Economic Review, Elsevier, vol. 63(C), pages 308-328.
    11. Elisabeth Beckmann & Mariya Hake & Jarmila Urvová, 2013. "Determinants of Households’ Savings in Central, Eastern and Southeastern Europe," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 3, pages 8-29.
    12. van Santen, Peter & Alessie, Rob & Kalwij, Adriaan, 2012. "Probabilistic survey questions and incorrect answers: Retirement income replacement rates," Journal of Economic Behavior & Organization, Elsevier, vol. 82(1), pages 267-280.
    13. F. Portrait & R. Alessie & D. Deeg, 2008. "Do early life and contemporaneous macro-conditions explain health at older ages? An application to functional limitations of Dutch older individuals," Working Papers 08-11, Utrecht School of Economics.
    14. Fagereng, Andreas & Gottlieb, Charles & Guiso, Luigi, 2015. "Asset market participation and portfolio choice over the life-cycle," SAFE Working Paper Series 115, Leibniz Institute for Financial Research SAFE.
    15. van Santen, Peter, 2016. "Uncertain pension income and household saving," Working Paper Series 330, Sveriges Riksbank (Central Bank of Sweden).
    16. Cobb-Clark, Deborah A. & Hildebrand, Vincent A., 2004. "The Wealth of Mexican Americans," IZA Discussion Papers 1150, IZA Network @ LISER.
    17. Marike Knoef & Rob Alessie & Adriaan Kalwij, 2013. "Changes in the Income Distribution of the Dutch Elderly between 1989 and 2020: a Dynamic Microsimulation," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 59(3), pages 460-485, September.
    18. Geyer, Johannes & Steiner, Viktor, 2010. "Public Pensions, Changing Employment Patterns, and the Impact of Pension Reforms across Birth Cohorts: A Microsimulation Analysis for Germany," IZA Discussion Papers 4815, IZA Network @ LISER.
    19. Stefan Hochguertel & Henry Ohlsson, 2009. "Compensatory inter vivos gifts," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 24(6), pages 993-1023.
    20. David Aristei & Luca Pieroni, 2007. "Habits, Complementarities and Heterogenenity in Alcohol and Tobacco Demand: A Multivariate Dynamic Model," Working Papers 38/2007, University of Verona, Department of Economics.
    21. Henkens, C.J.I.M. & Kalmijn, Matthijs & van Dalen, Hendrik Peter & Savas, Esma Betul & Spaan, Juul, 2022. "A Survey of Dutch Retirement Migrants Abroad: Codebook Version 1.0," Other publications TiSEM 0e808677-dd7d-4fd9-a8ac-b, Tilburg University, School of Economics and Management.
    22. M. Baldini & C. Mazzaferro, 2000. "Transizione demografica e formazione del risparmio delle famiglie italiane," Working Papers 366, Dipartimento Scienze Economiche, Universita' di Bologna.
    23. Kamal, Mustafa & Blacklow, Paul, 2021. "Australian age, period, cohort effects in the gender wage gap - 2001 to 2018," Working Papers 2021-02, University of Tasmania, Tasmanian School of Business and Economics.
    24. Mauro Mastrogiacomo & Yue Li & Rik Dillingh, 2022. "The displacement effect of compulsory pension savings on private savings. Evidence from the Netherlands, using pension funds supervisory data," Working Papers 747, DNB.
    25. Dolores Moreno-Herrero & Manuel Salas-Velasco & José Sánchez-Campillo, 2017. "Individual Pension Plans in Spain: How Expected Change in Future Income and Liquidity Constraints Shape the Behavior of Households," Journal of Family and Economic Issues, Springer, vol. 38(4), pages 596-613, December.
    26. Rob Alessie & Joppe Ree, 2009. "Explaining The Hump In Life Cycle Consumption profiles," De Economist, Springer, vol. 157(1), pages 107-120, March.
    27. Lorenzo Fratoni & Susanna Levantesi & Massimiliano Menzietti, 2022. "Measuring Financial Sustainability and Social Adequacy of the Italian NDC Pension System under the COVID-19 Pandemic," Sustainability, MDPI, vol. 14(23), pages 1-23, December.
    28. Kanabar, Ricky, 2016. "In or out? Poverty dynamics among older individuals in the UK," ISER Working Paper Series 2016-08, Institute for Social and Economic Research.
    29. Jonathan A. Parker, 2000. "Spendthrift in America? On Two Decades of Decline in the US Saving Rate," NBER Chapters, in: NBER Macroeconomics Annual 1999, Volume 14, pages 317-387, National Bureau of Economic Research, Inc.
    30. Börsch-Supan, Axel, 2000. "International Comparison of Household Savings Behaviour : A Study of Life-Cycle Savings in Seven Countries," Discussion Papers 595, Institut fuer Volkswirtschaftslehre und Statistik, Abteilung fuer Volkswirtschaftslehre.
    31. Joel Slemrod & Wojciech Kopczuk, 2000. "The Impact of the Estate Tax on the Wealth Accumulation and Avoidance Behavior of Donors," NBER Working Papers 7960, National Bureau of Economic Research, Inc.
    32. R. Bottazzi & T. Crossley & M. Wakefield, 2011. "House Prices and Home Ownership: a Cohort Analysis," Working Papers wp790, Dipartimento Scienze Economiche, Universita' di Bologna.
    33. Fadejeva, Ludmila & Kantur, Zeynep, 2023. "Wealth distribution and monetary policy," Economic Modelling, Elsevier, vol. 125(C).
    34. Wouter Nientker & Rob Alessie, 2019. "Female Labor Market Participation Across Cohorts: Evidence from the Netherlands," De Economist, Springer, vol. 167(4), pages 407-433, December.
    35. Nicole Bosch & Anja Deelen & Rob Euwals, 2010. "Is Part‐time Employment Here to Stay? Working Hours of Dutch Women over Successive Generations," LABOUR, CEIS, vol. 24(1), pages 35-54, March.
    36. Kosei Fukuda, 2006. "Age-period-cohort decomposition of aggregate data: an application to US and Japanese household saving rates," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 21(7), pages 981-998.
    37. Dillingh, Rik, 2016. "Empirical essays on behavioral economics and lifecycle decisions," Other publications TiSEM 0e2143e3-bd86-4302-90eb-e, Tilburg University, School of Economics and Management.
    38. Pieroni, Luca & Salmasi, Luca, 2012. "Does cigarette smoking affect body weight? causal estimates from the clean indoor air law discontinuity," MPRA Paper 38338, University Library of Munich, Germany.
    39. Arie Kapteyn, 2010. "What Can We Learn from (and about) Global Aging?," Working Papers WR-741, RAND Corporation.
    40. Lothar Essig, 2005. "Precautionary saving and old-age provisions: Do subjective saving motive measures work?," MEA discussion paper series 05084, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    41. Kosei Fukuda, 2006. "Age–period–cohort decomposition of aggregate data: an application to US and Japanese household saving rates," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 21(7), pages 981-998, November.
    42. Haliassos, Michael & Georgarakos, Dimitris & Pasini, Giacomo, 2012. "Household Debt and Social Interactions," CEPR Discussion Papers 9238, Centre for Economic Policy Research.
    43. Börsch-Supan, Axel, 2004. "Mind the Gap: The Effectiveness of Incentives to boost Retirement Saving in Europe," MEA discussion paper series 04052, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    44. Kools, Lieke & Knoef, Marike, 2019. "Health and consumption preferences; estimating the health state dependence of utility using equivalence scales," European Economic Review, Elsevier, vol. 113(C), pages 46-62.
    45. Magne Mogstad & Ingvild Almås, 2009. "Older or Wealthier? The Impact of Age Adjustments on the Wealth Inequality Ranking of Countries," LWS Working papers 9, LIS Cross-National Data Center in Luxembourg.
    46. J.-B. Bernard & L. Berthet, 2015. "French households financial wealth: which changes in 20 years?," Documents de Travail de l'Insee - INSEE Working Papers g2015-18, Institut National de la Statistique et des Etudes Economiques.
    47. Servaas Deroose (Editor), 2006. "Assessing the factors of resilience of private consumption in the euro area," European Economy - Economic Papers 2008 - 2015 252, Directorate General Economic and Financial Affairs (DG ECFIN), European Commission.
    48. Alessie, R.J.M. & Angelini, V. & van Santen, P.C., 2012. "Pension wealth and household savings in Europe," Research Report 12012-EEF, University of Groningen, Research Institute SOM (Systems, Organisations and Management).
    49. Halvorsen, Elin, 2003. "A Cohort Analysis of Household Saving in Norway," Memorandum 36/2002, Oslo University, Department of Economics.
    50. Maarten van Rooij & Annamaria Lusardi & Rob Alessie, 2011. "Financial Literacy, Retirement Planning, and Household Wealth," CeRP Working Papers 119, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    51. Anna Schors & Rob Alessie & Mauro Mastrogiacomo, 2007. "Notes and Communications," De Economist, Springer, vol. 155(1), pages 99-121, March.
    52. Van Landeghem, Bert, 2014. "A test based on panel refreshments for panel conditioning in stated utility measures," Economics Letters, Elsevier, vol. 124(2), pages 236-238.
    53. Ken Clark & Joanne Kathryn Lindley, 2005. "Immigrant Labour Market Assimilation and Arrival Effects: Evidence from the Labour Force Survey," Working Papers 2005004, The University of Sheffield, Department of Economics, revised Jan 2005.
    54. Andersson, Björn, 2001. "Portfolio Allocation over the Life Cycle: Evidence from Swedish Household Data," Working Paper Series 2001:4, Uppsala University, Department of Economics.
    55. Mauro Mastrogiacomo & Rob Alessie, 2011. "Did you really save so little for your retirement? An analysis of retirement savings and unconventional retirement accounts," CPB Discussion Paper 200, CPB Netherlands Bureau for Economic Policy Analysis.
    56. Luca Pieroni & David Aristei, 2006. "Regional Differences in Growth Rates: A Microdata Approach," ERSA conference papers ersa06p799, European Regional Science Association.
    57. Elena Bassoli & Ylenia Brilli, 2025. "How raising the full retirement age affects women’s early retirement choices: insights from the interaction of two policies," Working Papers 2025: 30, Department of Economics, University of Venice "Ca' Foscari".
    58. Elin Halvorsen, 2003. "A Cohort Analysis of Household Saving in Norway," Discussion Papers 354, Statistics Norway, Research Department.
    59. Renata Bottazzi & Thomas Crossley & Matthew Wakefield, 2012. "Late starters or excluded generations? A cohort analysis of catch up in homeownership in England," Koç University-TUSIAD Economic Research Forum Working Papers 1215, Koc University-TUSIAD Economic Research Forum.
    60. Marcin Wron ski, 2023. "Does Social Security Crowd out Private Wealth? A Survey of the Literature," Journal of Economic Analysis, Anser Press, vol. 2(4), pages 98-122, July.
    61. Xin Meng, 2007. "Wealth Accumulation and Distribution in Urban China," Economic Development and Cultural Change, University of Chicago Press, vol. 55(4), pages 761-791, July.
    62. Michele Belloni & Agar Brugiavini & Raluca E. Buia & Ludovico Carrino & Danilo Cavapozzi & Cristina E. Orso & Giacomo Pasini, 2017. "What do we learn about redistribution effects of pension systems from internationally comparable measures of Social Security Wealth?," Working Papers 2017:14, Department of Economics, University of Venice "Ca' Foscari".
    63. Weilong Bi & Benno Torgler, 2025. "Do first-generation immigrant scholars outperform native researchers? Evidence from US business schools," Scientometrics, Springer;Akadémiai Kiadó, vol. 130(7), pages 3871-3901, July.
    64. David Black & Yi‐Ping Tseng & Roger Wilkins, 2010. "The Decline In Male Employment In Australia: A Cohort Analysis," Australian Economic Papers, Wiley Blackwell, vol. 49(3), pages 180-199, September.
    65. Annamaria Lusardi & Jason Beeler, 2006. "Savings Between Cohorts: The Role of Planning," Working Papers wp122, University of Michigan, Michigan Retirement Research Center.
    66. Erin Ruel & Robert Hauser, 2013. "Explaining the Gender Wealth Gap," Demography, Springer;Population Association of America (PAA), vol. 50(4), pages 1155-1176, August.
    67. Kok, Suzanne & Bosch, Nicole & Deelen, Anja & Euwals, Rob, 2011. "Migrant Women on the Labour Market: On the Role of Home- and Host-Country Participation," IZA Discussion Papers 5817, IZA Network @ LISER.
    68. France Portrait & Rob Alessie & Dorly Deeg, 2010. "Do early life and contemporaneous macroconditions explain health at older ages?," Journal of Population Economics, Springer;European Society for Population Economics, vol. 23(2), pages 617-642, March.
    69. Thomas F. Crossley & Yuri Ostrovsky, 2003. "A Synthetic Cohort Analysis of Canadian Housing Careers," Social and Economic Dimensions of an Aging Population Research Papers 107, McMaster University.
    70. Mario Izquierdo & Aitor Lacuesta & Raquel Vegas, 2009. "Assimilation of immigrants in Spain: A longitudinal analysis," Working Papers 0904, Banco de España.
    71. Dilyara Ibragimova, 2014. "Consumer Expectations Of Russian Populations: Cohort Analysis (1996–2009)," HSE Working papers WP BRP 41/SOC/2014, National Research University Higher School of Economics.
    72. David Sturrock, 2023. "Wealth and welfare across generations," IFS Working Papers W23/15, Institute for Fiscal Studies.
    73. Almås, Ingvild & Mogstad, Magne, 2010. "Older or Wealthier? The Impact of Age Adjustment on Cross-Sectional Inequality Measures," Discussion Paper Series in Economics 9/2010, Norwegian School of Economics, Department of Economics.
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    81. Päivi Kankaanranta, 2019. "A Cohort-Analysis of Age-Wealth Profile in Finland," Discussion Papers 130, Aboa Centre for Economics.
    82. Essig, Lothar, 2004. "Precautionary saving and old-age provisions: Do subjective saving motives measures work?," Sonderforschungsbereich 504 Publications 05-22, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.

  84. Martin Browning & Annamaria Lusardi, 1996. "Household Saving: Micro Theories and Micro Facts," Discussion Papers 96-01, University of Copenhagen. Department of Economics.

    Cited by:

    1. Zan Yang & Ying Fan & Liqing Zhao, 2018. "A Reexamination of Housing Price and Household Consumption in China: The Dual Role of Housing Consumption and Housing Investment," The Journal of Real Estate Finance and Economics, Springer, vol. 56(3), pages 472-499, April.
    2. Fagereng, Andreas & Onshuus, Helene & Torstensen, Kjersti N., 2024. "The consumption expenditure response to unemployment: Evidence from Norwegian households," Journal of Monetary Economics, Elsevier, vol. 146(C).
    3. Erich Battistin & Agar Brugiavini & Enrico Rettore & Guglielmo Weber, 2008. "The retirement consumption puzzle: evidence from a regression discontinuity approach," IFS Working Papers W08/05, Institute for Fiscal Studies.
    4. Walther Herbert, 2004. "Competitive Conspicuous Consumption, Household Saving and Income inequality," Working Papers geewp40, Vienna University of Economics and Business Research Group: Growth and Employment in Europe: Sustainability and Competitiveness.
    5. Mariacristina De Nardi & Giulio Fella, 2017. "Saving and Wealth Inequality," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 26, pages 280-300, October.
    6. Xiao Cen, 2024. "Household Wealth and Entrepreneurial Career Choices: Evidence from Climate Disasters," Working Papers 24-39, Center for Economic Studies, U.S. Census Bureau.
    7. Linus Mattauch & Ottmar Edenhofer & David Klenert & Sophie Bénard, 2014. "Public Investment when Capital is Back - Distributional Effects of Heterogeneous Saving Behavior," CESifo Working Paper Series 4714, CESifo.
    8. Pasquale Lucio Scandizzo, 2014. "The social rate of discount, climate change and real options," CEIS Research Paper 309, Tor Vergata University, CEIS, revised 18 Feb 2014.
    9. Oumar Mbodji & Adrien Nguyen Huu & Traian A. A Pirvu, 2019. "Optimal Sharing Rule for a Household with a Portfolio Management Problem," CEE-M Working Papers hal-00940233, CEE-M, Universtiy of Montpellier, CNRS, INRA, Montpellier SupAgro.
    10. Paas, L.J. & Bijmolt, T.H.A. & Vermunt, J.K., 2004. "Extending dynamic segmentation with lead generation : A latent class Markov analysis of financial product portfolios," Discussion Paper 2004-1, Tilburg University, Center for Economic Research.
    11. Kapteyn, Arie & Alessie, Rob & Lusardi, Annamaria, 1999. "Explaining the wealth holdings of different cohorts : productivity growth and social security," Serie Research Memoranda 0038, VU University Amsterdam, Faculty of Economics, Business Administration and Econometrics.
    12. Vincent Hildebrand, 2001. "Wealth Accumulation of US Households: What Do We Learn from the SIPP Data?," Social and Economic Dimensions of an Aging Population Research Papers 41, McMaster University.
    13. Bunting, David, 2009. "The saving decline: Macro-facts, micro-behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 70(1-2), pages 282-295, May.
    14. Jan Tin, 2008. "The Life-Cycle Motive and Money Demand: Further Evidence," Economics Bulletin, AccessEcon, vol. 5(18), pages 1-12.
    15. Jonathan Gruber & Aaron Yelowitz, 1997. "Public Health Insurance and Private Savings," NBER Working Papers 6041, National Bureau of Economic Research, Inc.
    16. Aneta Maria Kłopocka, 2017. "Does Consumer Confidence Forecast Household Saving and Borrowing Behavior? Evidence for Poland," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 133(2), pages 693-717, September.
    17. Atalay, Kadir & Whelan, Stephen & Yates, Judith, 2013. "Housing Wealth and Household Consumption: New Evidence from Australia and Canada," Working Papers 2013-04, University of Sydney, School of Economics.
    18. Freyland, Felix, 2004. "Household composition and savings : an overview," Papers 04-69, Sonderforschungsbreich 504.
    19. Aizenman, Joshua & Brooks, Eileen, 2005. "Globalization and taste convergence: The cases of wine and beer," Santa Cruz Center for International Economics, Working Paper Series qt99j2n7rf, Center for International Economics, UC Santa Cruz.
    20. Patricia Sourdin, 2005. "Pension Contribution as a Commitment Device: Evidence of Sophistication among Time-inconsistent Households," Adelaide Economics Working Papers 2005-17, Adelaide University, School of Economics.
    21. Lusardi, Annamaria & Almenberg, Johan & Säve-Söderbergh, Jenny & Vestman, Roine, 2020. "Attitudes Toward Debt and Debt Behavior," CEPR Discussion Papers 14801, Centre for Economic Policy Research.
    22. Martin Browning & Mette Ejrnaes & Javier Alvarez, 2006. "Modelling income processes with lots of heterogeneity," Economics Series Working Papers 285, University of Oxford, Department of Economics.
    23. Michelle Maroto, 2018. "Saving, Sharing, or Spending? The Wealth Consequences of Raising Children," Demography, Springer;Population Association of America (PAA), vol. 55(6), pages 2257-2282, December.
    24. Annamaria Lusardi & Daniel Schneider & Peter Tufano, 2011. "Financially Fragile Households: Evidence and Implications," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 42(1 (Spring), pages 83-150.
    25. Gandelman, Néstor, 2015. "A Comparison of Saving Rates: Micro Evidence from Seventeen Latin American and Caribbean Countries," IDB Publications (Working Papers) 7136, Inter-American Development Bank.
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    Cited by:

    1. Shoji, Masahiro & Aoyagi, Keitaro & Kasahara, Ryuji & Sawada, Yasuyuki & Ueyama, Mika, 2012. "Social Capital Formation and Credit Access: Evidence from Sri Lanka," World Development, Elsevier, vol. 40(12), pages 2522-2536.
    2. Orazio P. Attanasio, 1998. "Consumption Demand," NBER Working Papers 6466, National Bureau of Economic Research, Inc.
    3. Yasuyuki SAWADA & Kensuke KUBO & Nobuhiko FUWA & Seiro ITO & Takashi KUROSAKI, 2006. "On The Mother And Child Labor Nexus Under Credit Constraints: Findings From Rural India," The Developing Economies, Institute of Developing Economies, vol. 44(4), pages 465-499, December.
    4. Ms. Sònia Muñoz, 2006. "Wealth Effects in Europe: A Tale of Two Countries (Italy and the United Kingdom)," IMF Working Papers 2006/030, International Monetary Fund.
    5. Stefania Basiglio & Maria Cristina Rossi & Arthur van Soest, 2023. "Subjective Inheritance Expectations and Economic Outcomes," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 69(4), pages 1088-1113, December.
    6. Jarkko Jääskelä, 2007. "More Potent Monetary Policy? Insights from a Threshold Model," RBA Research Discussion Papers rdp2007-07, Reserve Bank of Australia.
    7. Petar Sorić, 2022. "Ability to consume versus willingness to consume: the role of nonlinearities," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 49(3), pages 663-689, August.
    8. Andrei SEMENOV, 2010. "Asset Pricing with Idiosyncratic Consumption Risk and Limited Participation," EcoMod2004 330600126, EcoMod.
    9. Tutino, Antonella, 2008. "The rigidity of choice: lifetime savings under information-processing constraints," MPRA Paper 16744, University Library of Munich, Germany, revised 24 Jul 2009.
    10. Susan Dynarski & Jonathan Gruber, 1997. "Can Families Smooth Variable Earnings?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 28(1), pages 229-303.
    11. Luigi Pistaferri & Tullio Jappelli, 1998. "Using Subjective Income Expectations to Test for Excess Sensitivity of Consumption to Predicted Income Growth," CSEF Working Papers 12, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    12. Jeong-Joon Lee & Yasuyuki Sawada, 2005. "Precautionary Saving under LiquidityConstraints: Evidence from Rural Pakistan," CIRJE F-Series CIRJE-F-377, CIRJE, Faculty of Economics, University of Tokyo.
    13. Li, Geng, 2009. "Transaction costs and consumption," Journal of Economic Dynamics and Control, Elsevier, vol. 33(6), pages 1263-1277, June.
    14. Sun Jin Kang & Yasuyuki Sawada, 2003. "Credit Crunches and Household Welfare: The Case of the Korean Financial Crisis," CIRJE F-Series CIRJE-F-234, CIRJE, Faculty of Economics, University of Tokyo.
    15. Tomas Havranek & Anna Sokolova, 2020. "Do Consumers Really Follow a Rule of Thumb? Three Thousand Estimates from 144 Studies Say 'Probably Not'," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 35, pages 97-122, January.
    16. Umar Faruqui & Samah Torchani, 2012. "How Important Are Liquidity Constraints for Canadian Households? Evidence from Micro-Data," Discussion Papers 12-9, Bank of Canada.
    17. Parantap Basu & Sigit Sulistiyo Wibowo, 2015. "An Empirical Investigation of Risk Sharing among Indonesian Households," CEMAP Working Papers 2015_02, Durham University Business School.
    18. Tomas Havranek & Anna Sokolova, 2016. "Do Consumers Really Follow a Rule of Thumb? Three Thousand Estimates from 130 Studies Say “Probably Not”," Working Papers IES 2016/15, Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies, revised Jul 2016.
    19. Tagkalakis, Athanasios, 2008. "The effects of fiscal policy on consumption in recessions and expansions," Journal of Public Economics, Elsevier, vol. 92(5-6), pages 1486-1508, June.
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    24. Fuwa Nobuhiko & Ito Seiro & Kubo Kensuke & Kurosaki Takashi & Sawada Yasuyuki, 2012. "How Does Credit Access Affect Children's Time Allocation?: Evidence from Rural India," Journal of Globalization and Development, De Gruyter, vol. 3(1), pages 1-28, June.
    25. Gao,Nan & Ma,Yuanyuan & Xu,L. Colin, 2020. "Credit Constraints and Fraud Victimization : Evidence from a Representative Chinese Household Survey," Policy Research Working Paper Series 9460, The World Bank.
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    31. Khanal, Aditya & Mishra, Ashok, "undated". "Income Risk, Habit Formation, and Precautionary Savings: The Case of Rural Households," 2016 Annual Meeting, July 31-August 2, Boston, Massachusetts 235597, Agricultural and Applied Economics Association.
    32. Striani, Fabrizio, 2023. "Life-cycle consumption and life insurance: Empirical evidence from Italian Survey," Physica A: Statistical Mechanics and its Applications, Elsevier, vol. 619(C).
    33. Dr Martin Weale & Dr. James Mitchell, 2007. "The Rationality and Reliability of Expectations Reported by British Households: Micro Evidence from the British Household Panel Survey," National Institute of Economic and Social Research (NIESR) Discussion Papers 287, National Institute of Economic and Social Research.
    34. Sheng Guo, 2014. "Switching Regression Estimates Of The Intergenerational Persistence Of Consumption," Economic Inquiry, Western Economic Association International, vol. 52(4), pages 1503-1524, October.
    35. Andrew Benito, 2009. "Who Withdraws Housing Equity and Why?," Economica, London School of Economics and Political Science, vol. 76(301), pages 51-70, February.
    36. Peter Ganong & Pascal Noel, 2019. "Consumer Spending During Unemployment: Positive and Normative Implications," Working Papers 2019-006, Human Capital and Economic Opportunity Working Group.
    37. Gary V. Engelhardt, 1995. "House Prices and Home Owner Saving Behavior," NBER Working Papers 5183, National Bureau of Economic Research, Inc.
    38. Luigi Giamboni & Emanuele Millemaci & Robert J. Waldmann, 2013. "Evaluating how predictable errors in expected income affect consumption," Applied Economics, Taylor & Francis Journals, vol. 45(28), pages 4004-4021, October.
    39. Yasuyuki Sawada & Kazumitsu Nawata & Masako Ii & Mark J. Lee, 2011. "Did the Financial Crisis in Japan Affect Household Welfare Seriously?," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 43(2‐3), pages 297-324, March.
    40. Martin Beznoska & Richard Ochmann, 2012. "Liquidity Constraints and the Permanent Income Hypothesis: Pseudo Panel Estimation with German Consumption Survey Data," Discussion Papers of DIW Berlin 1231, DIW Berlin, German Institute for Economic Research.
    41. Yasuyuki Sawada & Kazumitsu Nawata & Masako Ii & Jeong-Joon Lee, 2007. "Did the Credit Crunch in Japan Affect Household Welfare? An Augmented Euler Equation Approach Using Type 5 Tobit Model," CIRJE F-Series CIRJE-F-498, CIRJE, Faculty of Economics, University of Tokyo.
    42. Davoine, Thomas, 2012. "Time constraints, saving and old age," Economics Working Paper Series 1221, University of St. Gallen, School of Economics and Political Science.
    43. Jeong-Joon Lee & Yasuyuki Sawada, 2005. "Precautionary Saving under Liquidity Constraints: Evidence from Rural Pakistan (Published in "Journal of Development Economics". )," CARF F-Series CARF-F-051, Center for Advanced Research in Finance, Faculty of Economics, The University of Tokyo.
    44. Rossi, Mariacristina, 2005. "Households’ Consumption under the Habit Formation Hypothesis. Evidence from Italian Households using the Survey of Household Income and Wealth (SHIW)," Economics Discussion Papers 8886, University of Essex, Department of Economics.
    45. Mauricio Bascuñán & René Garcia & Michel Poitevin, 1995. "Information asymétrique, contraintes de liquidité et investissement," L'Actualité Economique, Société Canadienne de Science Economique, vol. 71(4), pages 398-420.
    46. Andrew Benito & Haroon Mumtaz, 2006. "Consumption excess sensitivity, liquidity constraints and the collateral role of housing," Bank of England Staff Working Paper series 306, Bank of England.
    47. Jonathan Fisher & Larry Filer & Angela Lyons, "undated". "Is the Bankruptcy Flag Binding? Access to Credit Markets for Post-Bankruptcy Households," American Law & Economics Association Annual Meetings 1041, American Law & Economics Association.
    48. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    49. Markus Kirchner & Jacopo Cimadomo & Sebastian Hauptmeier, 2010. "Transmission of Government Spending Shocks in the Euro Area: Time Variation and Driving Forces," Tinbergen Institute Discussion Papers 10-021/2, Tinbergen Institute.
    50. Andrew Benito, 2007. "Housing equity as a buffer: evidence from UK households," Bank of England Staff Working Paper series 324, Bank of England.
    51. Maude Toussaint‐Comeau, 2021. "Liquidity constraints and debts: Implications for the saving behavior of the middle class," Contemporary Economic Policy, Western Economic Association International, vol. 39(3), pages 479-493, July.
    52. Fabrizio Perri & Dirk Krueger, 2008. "How does Household Consumption Respond to Income Shocks? Evidence and Theory," 2008 Meeting Papers 910, Society for Economic Dynamics.
    53. Rossi, Mariacristina & Trucchi, Serena, 2016. "Liquidity constraints and labor supply," European Economic Review, Elsevier, vol. 87(C), pages 176-193.
    54. Kathleen W. Johnson & Geng Li, 2010. "The Debt‐Payment‐to‐Income Ratio as an Indicator of Borrowing Constraints: Evidence from Two Household Surveys," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 42(7), pages 1373-1390, October.
    55. Gomes, Fábio Augusto Reis, 2013. "Gasto do governo e consumo privado: Substitutos ou complementares?," Revista Brasileira de Economia - RBE, EPGE Brazilian School of Economics and Finance - FGV EPGE (Brazil), vol. 67(2), June.
    56. Amigues, J-P & Favard, P & Gaudet, G & Moreaux, M, 1996. "On the Optimal Order of Natural Resource Use When the Capacity of the Inexhaustible Substitute is Limited," Cahiers de recherche 9628, Universite de Montreal, Departement de sciences economiques.
    57. Sprumont, Y., 1995. "On the Game-Theoretic Structure of Public-Good Economies," Cahiers de recherche 9519, Universite de Montreal, Departement de sciences economiques.
    58. Basiglio, Stefania, 2018. "Essays on financial behaviour of households and firms," Other publications TiSEM c13423c5-8bf2-44a7-baa7-3, Tilburg University, School of Economics and Management.
    59. Du, Zhili & Lin, Boqiang, 2017. "How oil price changes affect car use and purchase decisions? Survey evidence from Chinese cities," Energy Policy, Elsevier, vol. 111(C), pages 68-74.

  86. Alessie, R. & Lusardi, A. & Kapteyn, A., 1995. "Saving and Wealth Holdings of the Elderly," Papers 9593, Tilburg - Center for Economic Research.

    Cited by:

    1. Horioka, Charles Yuji & Ventura, Luigi, 2022. "Do the Retired Elderly in Europe Decumulate Their Wealth? The Importance of Bequest Motives, Precautionary Saving, Public Pensions, and Homeownership," AGI Working Paper Series 2022-08, Asian Growth Research Institute.
    2. Kapteyn, Arie & Alessie, Rob & Lusardi, Annamaria, 1999. "Explaining the wealth holdings of different cohorts : productivity growth and social security," Serie Research Memoranda 0038, VU University Amsterdam, Faculty of Economics, Business Administration and Econometrics.
    3. Anna van der Schors & Rob J.M. Alessie & Mauro Mastrogiacomo, 2007. "Home and Mortgage Ownership of the Dutch Elderly: Explaining Cohort, Time and Age Effects," Social and Economic Dimensions of an Aging Population Research Papers 183, McMaster University.
    4. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    5. Luigi Ventura & Charles Yuji Horioka, 2020. "The Wealth Decumulation Behavior of the Retired Elderly in Italy: The Importance of Bequest Motives and Precautionary Saving," ISER Discussion Paper 1087, Institute of Social and Economic Research, The University of Osaka.
    6. Mauro Baranzini, 2005. "Modigliani's life-cycle theory of savings fifty years later," BNL Quarterly Review, Banca Nazionale del Lavoro, vol. 58(233-234), pages 109-172.
    7. Hochguertel, Stefan & van Soest, Arthur, 1998. "The Relation between Financial and Housing Wealth of Dutch Households," Working Paper Series 1998:19, Uppsala University, Department of Economics.
    8. Alessie, Rob & Lusardi, Annamaria & Kapteyn, Arie, 1999. "Saving after retirement: evidence from three different surveys," Labour Economics, Elsevier, vol. 6(2), pages 277-310, June.
    9. Richard Disney & Paul Johnson & Gary Stears, 1998. "Asset wealth and asset decumulation among households in the Retirement Survey," Fiscal Studies, Institute for Fiscal Studies, vol. 19(2), pages 153-174, May.
    10. Alessie, R.J.M. & Hochgürtel, S. & van Soest, A.H.O., 2000. "Household Portfolios in the Netherlands," Other publications TiSEM 673b1a55-43b3-4a04-8c6b-c, Tilburg University, School of Economics and Management.
    11. Banks, James & Blundell, Richard & Tanner, Sarah, 1995. "Consumption growth, saving and retirement in the U.K," Ricerche Economiche, Elsevier, vol. 49(3), pages 255-275, September.
    12. Raffaelle Miniaci & Chiara Monfardini & Guglielmo Weber, 2003. "Is there a retirement consumption puzzle in Italy?," IFS Working Papers W03/14, Institute for Fiscal Studies.
    13. Hochguertel, Stefan & van Soest, Arthur, 2001. "The Relation between Financial and Housing Wealth: Evidence from Dutch Households," Journal of Urban Economics, Elsevier, vol. 49(2), pages 374-403, March.
    14. Anna Schors & Rob Alessie & Mauro Mastrogiacomo, 2007. "Notes and Communications," De Economist, Springer, vol. 155(1), pages 99-121, March.
    15. R Alessie & A Kapteyn, 2001. "New data for understanding saving," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 17(1), pages 55-69, Spring.
    16. Mauro Baranzini, 2005. "Modigliani's life-cycle theory of savings fifty years later," Banca Nazionale del Lavoro Quarterly Review, Banca Nazionale del Lavoro, vol. 58(233-234), pages 109-172.
    17. Raun Ooijen & Rob Alessie & Adriaan Kalwij, 2015. "Saving Behavior and Portfolio Choice After Retirement," De Economist, Springer, vol. 163(3), pages 353-404, September.

  87. Lusardi, A., 1993. "Euler Equations in Micro Data; Merging Data form Two Samples," Papers 9304, Tilburg - Center for Economic Research.

    Cited by:

    1. Gilbert E. Metcalf, 1993. "The Lifetime Incidence of State and Local Taxes: Measuring Changes During the 1980s," NBER Working Papers 4252, National Bureau of Economic Research, Inc.
    2. Gourinchas, P.O. & Parker, J.A., 1997. "Consumption Over the Life Cycle," Working papers 9722, Wisconsin Madison - Social Systems.
    3. Lugilde, Alba & Bande, Roberto & Riveiro, Dolores, 2016. "Precautionary saving in Spain during the Great Recession: evidence from a panel of uncertainty indicators," MPRA Paper 72436, University Library of Munich, Germany.
    4. R. Glenn Hubbard & Jonathan Skinner & Stephen P. Zeldes, 1993. "The Importance of Precautionary Motives in Explaining Individual and Aggregate Saving," NBER Working Papers 4516, National Bureau of Economic Research, Inc.
    5. Lugilde, Alba & Bande, Roberto & Riveiro, Dolores, 2017. "Precautionary Saving: a review of the theory and the evidence," MPRA Paper 77511, University Library of Munich, Germany.
    6. Wolak, Frank A., 1996. "Can universal service survive in a competitive telecommunications environment? Evidence from the United States consumer expenditure survey," Information Economics and Policy, Elsevier, vol. 8(3), pages 163-203, September.

  88. Lusardi, A., 1992. "Permanent Income, Current Income and Consumption: Evidence form Panel Data," Papers 9253, Tilburg - Center for Economic Research.

    Cited by:

    1. Christopher D. Carroll, 2000. "Requiem for the Representative Consumer? Aggregate Implications of Microeconomic Consumption Behavior," American Economic Review, American Economic Association, vol. 90(2), pages 110-115, May.
    2. Salman Ahmed Shaikh & Mohd Adib Ismail & Abdul Ghafar Ismail & Shahida Shahimi & Muhammad Hakimi Mohd. Shafiai, 2018. "An Empirical Investigation Of Consumption Behaviour In Selected Oic Countries," Journal of Islamic Monetary Economics and Finance, Bank Indonesia, vol. 4(1), pages 101-116, August.
    3. Pischke, Jörn-Steffen, 1991. "Individual income, incomplete information, and aggregate consumption," ZEW Discussion Papers 91-07, ZEW - Leibniz Centre for European Economic Research.
    4. Orazio P. Attanasio, 1994. "The Intertemporal Allocation of Consumption: Theory and Evidence," NBER Working Papers 4811, National Bureau of Economic Research, Inc.

Articles

  1. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).

    Cited by:

    1. Katharina Hartinger & Erik Sarrazin & David J. Streich, 2025. "Banking for Boomers – A Field Experiment on Technology Adoption in Financial Services," Working Papers 2505, Gutenberg School of Management and Economics, Johannes Gutenberg-Universität Mainz, revised 27 Mar 2025.

  2. Angrisani, Marco & Burke, Jeremy & Lusardi, Annamaria & Mottola, Gary, 2023. "The evolution of financial literacy over time and its predictive power for financial outcomes: evidence from longitudinal data," Journal of Pension Economics and Finance, Cambridge University Press, vol. 22(4), pages 640-657, October.

    Cited by:

    1. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    2. De Beckker, Kenneth & Frijns, Bart & Hubers, Frank & Derkx, Sjuul, 2025. "The long-term impact of financial literacy on wealth: Evidence from longitudinal data," Economics Letters, Elsevier, vol. 257(C).
    3. Chen, Hung-Ling & Hsu, Yuan-Lin & Lu, Chi-Yang, 2024. "Revisiting financial fragility during the COVID-19 pandemic: Evidence from Taiwan," Journal of Behavioral and Experimental Finance, Elsevier, vol. 44(C).
    4. Anu Mohta & V Shunmugasundaram, 2023. "Millennials’ financial literacy and risk behavior: evidence from India," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 70(4), pages 419-435, December.
    5. Maria Elena Filippin, 2025. "Who's in? Household-targeted Government Policies and the Role of Financial Literacy in Market Participation," Papers 2506.12575, arXiv.org, revised Feb 2026.
    6. Zefeng Bai, 2026. "Leveraging machine learning for predictive insights in robo-advisory adoption: a marketing analytics approach," Journal of Marketing Analytics, Palgrave Macmillan, vol. 14(2), pages 460-473, June.
    7. Peter Kwame Kuutol & Josue Mbonigaba & Rufaro Garidzirai, 2025. "Financial Literacy and Financial Well-Being in Rural Ghana: Does Level of Financial Information Matter?," SAGE Open, , vol. 15(3), pages 21582440251, September.
    8. Carole Roan Gresenz & Jean M Mitchell & R. Scott Turner & Wilbert Van der Klaauw & Crystal Wang, 2025. "Cognitive Health, Household Financial Decision-Making, and Intrahousehold Financial Spillovers," Staff Reports 1169, Federal Reserve Bank of New York.
    9. Piyush Hooda & Anju Singla & Shivani Gupta, 2025. "Financial capability and financial well-being among small business owners: Does grit moderate the association?," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(3), pages 1-20, September.
    10. Sjam, Amelina Apricia, 2025. "Opaque payments, open wallets: The relationship between payment transparency and overspending," Research in Economics, Elsevier, vol. 79(3).
    11. David Aristei & Manuela Gallo & Pierluigi Murro, 2025. "Financial Knowledge and Financial Fragility: Longitudinal Evidence from Italy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 667-702, July.
    12. Ye, Zihan & Post, Thomas & Zou, Xiaopeng & Chen, Shenglan, 2025. "Savings goals matter–Cognitive constraints, retirement planning, and downstream economic behaviors," Journal of Behavioral and Experimental Finance, Elsevier, vol. 46(C).
    13. Mostafa Saidur Rahim Khan & Naheed Rabbani, 2025. "Mind the gap: differentiating financial and debt literacy in shaping student financial behavior," Future Business Journal, Springer, vol. 11(1), pages 1-13, December.
    14. Balakina, Olga & Bäckman, Claes & Parakhoniak, Anastasiia, 2024. "Beyond connectivity: Stock market participation in a network," SAFE Working Paper Series 416, Leibniz Institute for Financial Research SAFE.
    15. K. Devender & Kafila & Gurunadham Goli & M. Shravan, 2025. "Bibliometric trends in SMEs financial literacy research from 2021 to 2024," Future Business Journal, Springer, vol. 11(1), pages 1-18, December.
    16. Shrabanti Maity, 2024. "Rawls’ difference principle, self-help group, financial inclusion and social cohesion—lore or actuality? Experience of Central Assam," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-13, December.
    17. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).

  3. Annamaria Lusardi & Olivia S. Mitchell, 2023. "The Importance of Financial Literacy: Opening a New Field," Journal of Economic Perspectives, American Economic Association, vol. 37(4), pages 137-154, Fall.
    See citations under working paper version above.
  4. Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi, 2022. "Evaluating Deliberative Competence: A Simple Method with an Application to Financial Choice," American Economic Review, American Economic Association, vol. 112(11), pages 3584-3626, November.
    See citations under working paper version above.
  5. Mitchell, Olivia S. & Clark, Robert L. & Lusardi, Annamaria, 2022. "Income trajectories in later life: Longitudinal evidence from the Health and Retirement Study," The Journal of the Economics of Ageing, Elsevier, vol. 22(C).

    Cited by:

    1. Tamargo, Javier A. & Cruz-Almeida, Yenisel, 2024. "Food insecurity and epigenetic aging in middle-aged and older adults," Social Science & Medicine, Elsevier, vol. 350(C).
    2. Coral Polanco, Fernando, 2025. "Future time perspective and job satisfaction in financial planning for retirement," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 119(C).
    3. Florin Cornel DUMITER & Ștefania Amalia NICOARĂ & Marius BOIȚĂ & Erika LOUČANOVÁ & Katarina Repkova STOFKOVA, 2024. "Empirical Study Regarding the Central and Eastern European Countries’ Soundness of Pension Systems. Triangle Assessment: Social, Economic, and Financial Features of Pension Systems," Journal for Economic Forecasting, Institute for Economic Forecasting, vol. 0(4), pages 105-127, December.

  6. Kaiser, Tim & Lusardi, Annamaria & Menkhoff, Lukas & Urban, Carly, 2022. "Financial education affects financial knowledge and downstream behaviors," Journal of Financial Economics, Elsevier, vol. 145(2), pages 255-272.
    See citations under working paper version above.
  7. Johan Almenberg & Annamaria Lusardi & Jenny Säve‐Söderbergh & Roine Vestman, 2021. "Attitudes towards Debt and Debt Behavior," Scandinavian Journal of Economics, Wiley Blackwell, vol. 123(3), pages 780-809, July.
    See citations under working paper version above.
  8. Robert L. Clark & Annamaria Lusardi & Olivia S. Mitchell, 2021. "Financial Fragility during the COVID-19 Pandemic," AEA Papers and Proceedings, American Economic Association, vol. 111, pages 292-296, May.
    See citations under working paper version above.
  9. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    See citations under working paper version above.
  10. Annamaria Lusardi & Andrea Hasler & Paul J. Yakoboski, 2021. "Building up financial literacy and financial resilience," Mind & Society: Cognitive Studies in Economics and Social Sciences, Springer;Fondazione Rosselli, vol. 20(2), pages 181-187, November.

    Cited by:

    1. Becchetti, Leonardo & Bellucci, Davide & Pisani, Fabio, 2024. "The fittest survive: Regional resilience and exposure to financial crisis," International Review of Economics & Finance, Elsevier, vol. 96(PA).
    2. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    3. Pawan Ashok Kamble & Atul Mehta & Neelam Rani, 2025. "Measuring Multidimensional Financial Resilience: An Ex-ante Approach," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 176(2), pages 533-567, January.
    4. Syed Shah & Elizabeth Sheedy & Robert E. Wood, 2026. "Sailing Through Setbacks—What Makes Personal Financial Resilience?," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 66(1), pages 575-601, March.
    5. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    6. Miguel Angel Peñarreta-Quezada & Eulalia-Elizabeth Salas-Tenesaca & José Álvarez-García & María de la Cruz del Río-Rama, 2024. "Variables sociodemográficas y niveles de educación financiera en jóvenes universitarios de Ecuador," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-15, Enero - M.
    7. Camila Viana Brasil & Aureliano Angel Bressan & Kelmara Mendes Vieira & Taiane Keila Matheis, 2024. "Financial Resilience, Financial Ignorance, and their impact on financial well-being during the COVID-19 pandemic: evidence from Brazil," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(2), pages 273-299, June.
    8. Shakira MUKHTAR & Anisa JAN, 2023. "Decoding financial literacy's mediating role: analyzing the influence of biopsychosocial indicators on financial satisfaction and risk tolerance among millennial investors," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(4(637), W), pages 219-242, Winter.
    9. Mohammed Anam Akhtar & Imran Khan & and Khurram Ajaz Khan, 2023. "Linking Financial Capability, Advice, Anxiety, Social Security, and Residential Status with Outward Remittances: Evidence from the UAE," Contemporary Review of the Middle East, , vol. 10(4), pages 386-407, December.
    10. David Aristei & Manuela Gallo & Pierluigi Murro, 2025. "Financial Knowledge and Financial Fragility: Longitudinal Evidence from Italy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 667-702, July.
    11. Balliester Reis, Thereza & Kamau, Vincent Mugo, 2025. "Are low-income workers financially irresponsible? Analysing financial literacy and over-indebtedness in Nairobi," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 102(C).
    12. Faris Alshubiri & Mohamed Elheddad & Abdelrahman Alfar, 2023. "Public financial management indicators for emergency response challenges and quality of well-being in OECD countries," Mind & Society: Cognitive Studies in Economics and Social Sciences, Springer;Fondazione Rosselli, vol. 22(1), pages 129-158, November.
    13. Kadzima, Marvelous & Machokoto, Michael & Matemane, Reon, 2025. "Is financial anxiety gendered? A cross-sectional analysis during the COVID-19 pandemic," Economics Letters, Elsevier, vol. 248(C).
    14. Pawan Ashok Kamble & Atul Mehta & Neelam Rani, 2024. "Financial Inclusion and Digital Financial Literacy: Do they Matter for Financial Well-being?," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 171(3), pages 777-807, February.
    15. Liu, Taixing & Fan, Miaomiao & Li, Youwei & Yue, Pengpeng, 2024. "Financial literacy and household financial resilience," Finance Research Letters, Elsevier, vol. 63(C).
    16. Elena Moreno-García & Sergio Hernández-Mejía & Héctor Francisco Salazar Núñez, 2024. "Financial Literacy and Financial Fragility in Mexico," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-21, Enero - M.
    17. Giovanna Paladino, 2024. "Ask a Question and Get an Answer: a Study of the Framing Effect on Financial Literacy in Italy," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(3), pages 11318-11354, September.
    18. Haykal Rafif Wijaya & Sri Rahayu Hijrah Hati & Irwan Adi Ekaputra & Salina Kassim, 2024. "The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-13, December.
    19. Fazelina Sahul Hamid & Yiing Jia Loke & Phaik Nie Chin, 2023. "Determinants of financial resilience: insights from an emerging economy," Journal of Social and Economic Development, Springer;Institute for Social and Economic Change, vol. 25(2), pages 479-499, December.
    20. Peter Kwame Kuutol & Josue Mbonigaba & Rufaro Garidzirai, 2024. "Financial Literacy and Financial Well-Being in Rural Households in Ghana: The Role of Financial Information Consumption," Sustainability, MDPI, vol. 16(19), pages 1-24, September.
    21. Cannistrà, Marta & De Beckker, Kenneth & Agasisti, Tommaso & Amagir, Aisa & Põder, Kaire & Vartiak, Lukáš & De Witte, Kristof, 2024. "The impact of an online game-based financial education course: Multi-country experimental evidence," Journal of Comparative Economics, Elsevier, vol. 52(4), pages 825-847.
    22. Ruining Li & Qinghua Chen & Xiuhua Kang, 2025. "Impacts of Financial Literacy on Household Consumption Inequality: Panel Data from Chinese Households," Journal of Family and Economic Issues, Springer, vol. 46(3), pages 837-853, September.
    23. Peng, Geng & Liu, Fang, 2024. "Digital inclusive finance and the resilience of households involved in financial markets," Finance Research Letters, Elsevier, vol. 69(PB).
    24. K. Devender & Kafila & Gurunadham Goli & M. Shravan, 2025. "Bibliometric trends in SMEs financial literacy research from 2021 to 2024," Future Business Journal, Springer, vol. 11(1), pages 1-18, December.
    25. Nathan Phelps & Adam Metzler, 2024. "An exploratory clustering analysis of the 2016 National Financial Well-Being Survey," PLOS ONE, Public Library of Science, vol. 19(9), pages 1-15, September.

  11. Annamaria Lusardi & Olivia S. Mitchell & Noemi Oggero, 2020. "Debt and Financial Vulnerability on the Verge of Retirement," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 52(5), pages 1005-1034, August.
    See citations under working paper version above.
  12. Leora Klapper & Annamaria Lusardi, 2020. "Financial literacy and financial resilience: Evidence from around the world," Financial Management, Financial Management Association International, vol. 49(3), pages 589-614, September.

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    2. Abhishek Misra & Narendra Singh Bohra & Manu Sharma, 2026. "Financial resilience through ESG consciousness and future orientation: an empirical study of Indian millennials," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 31(2), pages 1-18, June.
    3. Luc Arrondel & Marlene Haupt & María Jesús Mancebón & Gianni Nicolini & Manuel Wälti & Jasmira Wiersma, 2020. "Financial Literacy in Western Europe," PSE Working Papers halshs-03243830, HAL.
    4. Du, Yanan & Wang, Qingxi & Zhou, Jianping, 2023. "How does digital inclusive finance affect economic resilience: Evidence from 285 cities in China," International Review of Financial Analysis, Elsevier, vol. 88(C).
    5. Shamim Akhtar & Yi Cui & Stephanie Efua Frimpong & Nosheen Rafi, 2024. "Unlocking sustainable competitive performance in agro-based small and medium enterprises in South Asian Association for Regional Cooperation countries," Agricultural Economics, Czech Academy of Agricultural Sciences, vol. 70(6), pages 309-319.
    6. María-Jesús Gallego-Losada & Antonio Montero-Navarro & Rocío Gallego-Losada & José-Luis Rodríguez-Sánchez, 2024. "Measuring financial divide in the rural environment. The potential role of the digital transformation of finance," International Entrepreneurship and Management Journal, Springer, vol. 20(4), pages 2791-2810, December.
    7. Jean Damascene MVUNABANDI & Lawrence GADZIKWA, 2024. "A Cognitive Analysis Of Consumer Literacy Training And Financial Capability Improvement Among South Africans: A Cross-Sectional Study," Oradea Journal of Business and Economics, University of Oradea, Faculty of Economics, vol. 9(1), pages 44-62, March.
    8. Eunjung Park & Sangyoon Yi, 2025. "Compulsory education enhances financial inclusion across socioeconomic groups: a global analysis," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-14, December.
    9. João Jungo & Mara Madaleno & Anabela Botelho, 2024. "Financial Literacy, Financial Innovation, and Financial Inclusion as Mitigating Factors of the Adverse Effect of Corruption on Banking Stability Indicators," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(2), pages 8842-8873, June.
    10. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    11. Cyndi Mayori & Agus Maolana Hidayat, 2025. "Shaping financial futures: exploring the impact of financial literacy, inclusion, and behavior on financial planning in Telkom University's Generation Z," Jurnal Siasat Bisnis, Management Development Centre (MDC) Department of Management, Faculty of Business and Economics Universitas Islam Indonesia, vol. 29(2), pages 211-226.
    12. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    13. Imhanrenialena Ogbemudia Benedict & Ebhotemhen Wilson & Cyril Ndubuisi Ugwu & Chukwu Benjamin Ibe, 2024. "Investing in Rural Agriculture in the Face of Innovative Financial Services: Does Financial Literacy Matter in Nigeria?," SAGE Open, , vol. 14(2), pages 21582440241, May.
    14. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    15. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(4), pages 44-55, July.
    16. Abdoulganiour Almame Tinta & Idrissa Mohamed Ouédraogo & Ramatu Mahama Al‐Hassan, 2022. "The micro determinants of financial inclusion and financial resilience in Africa," African Development Review, African Development Bank, vol. 34(2), pages 293-306, June.
    17. Delis, Manthos & Iosifidi, Maria & Pnevmatikos, Lampros & Tsiritakis, Emmanuel, 2023. "Credit negotiations," MPRA Paper 123003, University Library of Munich, Germany, revised 12 Dec 2024.
    18. Sara Lamboglia & Massimiliano Stacchini, 2023. "On the drivers of financial literacy: the role of intergenerational mobility," Questioni di Economia e Finanza (Occasional Papers) 766, Bank of Italy, Economic Research and International Relations Area.
    19. Essossinam Ali, 2026. "Financial inclusion and climate change resilience in sub-Saharan Africa: a micro-level gender and households’ location-based analysis," Climatic Change, Springer, vol. 179(2), pages 1-27, February.
    20. Syed Shah & Elizabeth Sheedy & Robert E. Wood, 2026. "Sailing Through Setbacks—What Makes Personal Financial Resilience?," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 66(1), pages 575-601, March.
    21. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    22. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    23. Piotr Bialowolski & Jing Jian Xiao & Dorota Weziak-Bialowolska, 2023. "National Culture and Financial Capability: A Global Perspective," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 170(3), pages 877-891, December.
    24. Bucci, Alberto & Calcagno, Riccardo & Marsiglio, Simone & Sequeira, Tiago Neves, 2025. "Financial literacy, human capital and long-run economic growth," The North American Journal of Economics and Finance, Elsevier, vol. 80(C).
    25. M. M. Naeser Seldal & Ellen K. Nyhus, 2022. "Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies," Journal of Consumer Policy, Springer, vol. 45(2), pages 281-306, June.
    26. Giuseppe Bertola & Anna Lo Prete, 2025. "Who Prefers Guessing to Admitting They Don’t Know? Measurement Error in Financial Literacy Surveys," CESifo Working Paper Series 11748, CESifo.
    27. Marshall Wellington Blay & Alhassan Musah & Charles Ayariga & Daniel Odei Okyere, 2024. "Determinants of Financial Literacy and its Effect on Stock Market Participation among University Students in Ghana," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(2), pages 15-25, March.
    28. Kexin Meng & Jing Jian Xiao, 2026. "Household Financial Vulnerability Before and During the COVID-19 Pandemic: An Exploration Through Machine Learning Approach," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 181(1), pages 1-21, January.
    29. Miguel Angel Peñarreta-Quezada & Eulalia-Elizabeth Salas-Tenesaca & José Álvarez-García & María de la Cruz del Río-Rama, 2024. "Variables sociodemográficas y niveles de educación financiera en jóvenes universitarios de Ecuador," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-15, Enero - M.
    30. João Jungo & Mara Madaleno & Anabela Botelho, 2022. "Financial Regulation, Financial Inclusion and Competitiveness in the Banking Sector in SADC and SAARC Countries: The Moderating Role of Financial Stability," IJFS, MDPI, vol. 10(1), pages 1-24, March.
    31. Hospido, Laura & Iriberri, Nagore & Machelett, Margarita, 2023. "Gender Gaps in Financial Literacy: A Multi-Arm RCT to Break the Response Bias in Surveys," IZA Discussion Papers 16628, IZA Network @ LISER.
    32. Alessio D'Ignazio & Ludovica Galotto & Cristiana Rampazzi, 2024. "Tackling the gender gap in financial literacy. Evidence from a financial education program in the workplace," Questioni di Economia e Finanza (Occasional Papers) 855, Bank of Italy, Economic Research and International Relations Area.
    33. Kampamba Chibesa & Austin Mwange, 2024. "Financial Capability's Contribution to Entrepreneurial Success Among Lusaka, Zambia's Informal Traders," African Journal of Commercial Studies, African Journal of Commercial Studies, vol. 5(4).
    34. Laxmi Pandey & P. V. Rajeev & Arpit Saxena & Digvijay Pandey, 2024. "“Investigating Financial Literacy’s Influence on Self-Help Group-Bank Linkage Programme with Special Reference to the Indian state of Uttarakhand”," Circular Economy and Sustainability, Springer, vol. 4(3), pages 2339-2364, September.
    35. Anna-Katharina Lenz & Birgit Muskat & Renata Peregrino Brito, 2025. "Peer support and value creation among women entrepreneurs," Small Business Economics, Springer, vol. 65(3), pages 1839-1876, October.
    36. Ales Marsal & Patryk Perkowski, 2025. "A Task-Based Approach to Generative AI: Evidence from a Field Experiment in Central Banking," Working and Discussion Papers WP 13/2025, Research Department, National Bank of Slovakia.
    37. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    38. Changhe Wu & Walton Wider & Mengxi Yang & Hao Wu & Nasyra Ab. Jamil & Muhammad Ashraf Fauzi & Eugene Burgos Mutuc, 2026. "Resilient futures: intellectual and thematic pathways in financial resilience research and their relevance to well-being," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 13(1), pages 1-16, December.
    39. Angeline H. Lorezo & Rea Mae B. Mandaya & Aiza Mae P. Manguason & Julema B. Murcota & Carmela A. Villarin & Jess Mar D. Ramirez, 2026. "Financial Literacy in Rural Communities of Southern Bukidnon, Philippines: Baseline Evidence for Training and Development," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(6), pages 10219-10234, June.
    40. Martinson Ankrah Twumasi & Bright Senyo Dogbe & Ernest Kwarko Ankrah & Zhao Ding & Yuansheng Jiang, 2023. "Assessing Financial Literacy and Farmland Abandonment Relationship in Ghana," Agriculture, MDPI, vol. 13(3), pages 1-18, February.
    41. Zhou, Yang & Yang, Manfang & Gan, Xu, 2023. "Education and financial literacy: Evidence from compulsory schooling law in China," The Quarterly Review of Economics and Finance, Elsevier, vol. 89(C), pages 335-346.
    42. Ece Kozol, 2026. "Determinants of financial inclusion: a panel data analysis of global trends, digital finance and policy implications," Digital Finance, Springer, vol. 8(1), pages 1-30, March.
    43. Camila Viana Brasil & Aureliano Angel Bressan & Kelmara Mendes Vieira & Taiane Keila Matheis, 2024. "Financial Resilience, Financial Ignorance, and their impact on financial well-being during the COVID-19 pandemic: evidence from Brazil," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 71(2), pages 273-299, June.
    44. Sonia Buchholtz & Joanna Rutecka-Gora, 2021. "The Impact of Framing and Anchoring on Postponing Labour Market Exit – Evidence from Polish NDC+FDC Pension Scheme," European Research Studies Journal, European Research Studies Journal, vol. 0(2 - Part ), pages 122-138.
    45. Quoc N. Tran & Trang M. T. Phung & Nhut H. Nguyen & Tho H. Nguyen, 2024. "Financial Knowledge Matters Entrepreneurial Decisions: A Survey in the COVID-19 Pandemic," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 2274-2297, March.
    46. Isaac Koomson & Sefa Awaworyi Churchill & Musharavati Ephraim Munyanyi, 2022. "Gambling and Financial Stress," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 163(1), pages 473-503, August.
    47. Uliana Gottlieb & Helena Hansson, 2026. "Farmers' Financial Literacy—Scale Development and Linkages to Accounting Practices and Financial Outcomes," Agribusiness, John Wiley & Sons, Ltd., vol. 42(3), pages 1316-1331, July.
    48. Ansar,Saniya & Klapper,Leora & Singer,Dorothe, 2023. "The Importance of Financial Education for the Effective Use of Formal Financial Services," Policy Research Working Paper Series 10345, The World Bank.
    49. Mário Antão, 2022. "Financial Literacy as a Strategic issue: A survey from Portuguese Higher Education Students ," GATR Journals jber227, Global Academy of Training and Research (GATR) Enterprise.
    50. Mohd Daud, Siti Nurazira & Osman, Zaiton & Samsudin, Shamzaeffa & Phang, Ing Grace, 2024. "Adapting to the gig economy: Determinants of financial resilience among “Giggers”," Economic Analysis and Policy, Elsevier, vol. 81(C), pages 756-771.
    51. Isha Bajaj & Mandeep Kaur, 2024. "Validating Financial Knowledge Scale Using Item Response Theory," Vision, , vol. 28(2), pages 225-236, April.
    52. Elizabeth Lyon & J. R. Catlin, 2020. "Consumer Misconceptions about Tax Laws: Results from a Survey in the United States," Journal of Consumer Policy, Springer, vol. 43(4), pages 807-828, December.
    53. Panu Kalmi & Gianluca Trotta & Andrius Kažukauskas, 2021. "Energy‐related financial literacy and electricity consumption: Survey‐based evidence from Finland," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(3), pages 1062-1089, September.
    54. Löfgren, Åsa & Nordblom, Katarina, 2024. "Reconciling sustainability preferences and behavior — The case of mutual fund investments," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    55. Prince PIVA. Asaloko & Itchoko Montande Mwa Ndjokou Mondjeli, 2025. "The Digital Divide and the Financial Inclusion of Women: Evidence From African Countries," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 54(3), November.
    56. Socaciu Erzsébet-Mirjám, 2023. "The Nexus Between Foreign Portfolio Diversification and Kinship," Studia Universitatis Babeș-Bolyai Oeconomica, Paradigm, vol. 68(2), pages 1-16, August.
    57. Andrej Cupák & Klára Kizáková & Denys Orlov, 2025. "Exploring the Gender Gap in Financial Literacy: New Survey Evidence from Slovakia," Working and Discussion Papers WP 12/2025, Research Department, National Bank of Slovakia.
    58. Kiesl-Reiter, Sarah, 2024. "Subjective Expectations about Joint Return Distributions," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302423, Verein für Socialpolitik / German Economic Association.
    59. Happiness Ozioma Obi-Anike & Ogohi Cross Daniel & Ifeoma Joanes Onodugo & Ikechukwu Joseph Attamah & Benedict Ogbemudia Imhanrenialena, 2023. "The Role of Financial Information Literacy in Strategic Decision-Making Effectiveness and Sustainable Performance among Agribusiness Entrepreneurs in Nigeria," Sustainability, MDPI, vol. 15(13), pages 1-17, July.
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    67. João Jungo & Mara Madaleno & Anabela Botelho, 2022. "The Effect of Financial Inclusion and Competitiveness on Financial Stability: Why Financial Regulation Matters in Developing Countries?," JRFM, MDPI, vol. 15(3), pages 1-20, March.
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    106. Afef Bouattour & Maha Kalai & Kamel Helali, 2024. "The non-linear relationship between ESG performance and bank stability in the digital era: new evidence from a regime-switching approach," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-17, December.
    107. Sun, Chentong & Yi, Shangkun & Wu, Fenglin & Li, Yanshuang & Dong, Zibing, 2025. "Mainshocks and aftershocks: Assessing the resilience of Asia-Pacific stock markets amid global financial cycle shocks," Pacific-Basin Finance Journal, Elsevier, vol. 91(C).
    108. Cherry Mae B. Guay & Teddy E. Colipano, 2026. "Assessing the Relationship Between Financial Knowledge and Resilience Among Small-Scale Rice Farmers in Davao Oriental," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(6), pages 1542-1555, June.
    109. Rikinorhakis Ridzwan & Mohamad Syauqi Mohamad Arifin & Nik Mohamad Shamim Nik Mohd Zainordin & Muhammad Syafiq Hassan & Nik Mohammad Wafiy Azmi & Muhammad Fadhli Musa & Muhammad Faris Hami Mohd Zahibi, 2025. "The Triad of Financial Stability: Savings, Investing, and Expense Management Strategies," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(14), pages 2361-2368, October.
    110. Fah Noushi Mono & Fah Foh Tella & Kamdem Fah Foh & Molem Sama Christopher, 2026. "Financial Knowledge and Financial Behaviour as Drivers of SME Growth in a Fragile Economy: Evidence from Cameroon," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(3), pages 7792-7802, March.
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    116. Andrea Bacchiocchi & Federico Favaretto & Germana Giombini, 2025. "Balancing Interests: Economic Incentives in Financial Education for Households and Banks," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 515-545, July.
    117. Knebel-Seitz, Caroline, 2026. "Testing an investment simulation tool: Effects on knowledge, confidence, and motivation," ZEW Discussion Papers 26-015, ZEW - Leibniz Centre for European Economic Research.
    118. Niessen-Ruenzi, Alexandra & Mueden, Vanessa & Zimmerer, Leah, 2025. "Financial socialization and the gender investment gap," ZEW Discussion Papers 25-063, ZEW - Leibniz Centre for European Economic Research.
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  13. Marguerite DeLiema & Martha Deevy & Annamaria Lusardi & Olivia S Mitchell & Deborah Carr, 2020. "Financial Fraud Among Older Americans: Evidence and Implications," The Journals of Gerontology: Series B, The Gerontological Society of America, vol. 75(4), pages 861-868.
    See citations under working paper version above.
  14. Lusardi, Annamaria & Michaud, Pierre-Carl & Mitchell, Olivia S., 2020. "Assessing the impact of financial education programs: A quantitative model," Economics of Education Review, Elsevier, vol. 78(C).

    Cited by:

    1. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(4), pages 44-55, July.
    2. Hiroko Araki & Juan Nelson Martinez Dahbura, 2021. "The Heterogeneous Relationship Between Financial Education and Investment Behavior in Japan," Keio-IES Discussion Paper Series 2021-018, Institute for Economics Studies, Keio University.
    3. Ragil Fananda Sofyan & Kusuma Ratnawati, 2025. "The Influence of Income on Financial Well-Being with Financial Literacy as a Mediating Variable: A Study of the Community in Poncokusumo Tourism Village," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 14(4), pages 184-190, June.
    4. Dillon Fuchsman & Josh McGee & Gema Zamarro, 2022. "Teachers’ Knowledge and Preparedness for Retirement: Results from a Nationally Representative Teacher Survey," Working Papers 21-5, Sinquefield Center for Applied Economic Research, Saint Louis University.
    5. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2024. "Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4203-4238, March.
    6. Clark, Robert L. & Lin, Chuanhao & Lusardi, Annamaria & Mitchell, Olivia S. & Sticha, Andrea, 2025. "Evaluating the effects of a low-cost, online financial education program," Journal of Economic Behavior & Organization, Elsevier, vol. 232(C).
    7. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    8. Gärtner, Florian & Semmler, Darwin & Bannier, Christina E., 2023. "What could possibly go wrong? Predictable misallocation in simple debt repayment experiments," Journal of Economic Behavior & Organization, Elsevier, vol. 205(C), pages 28-43.
    9. CIUMARA, Tudor, 2022. "Review Of Financial Literacy Education Programs In Romania," Journal of Financial and Monetary Economics, Centre of Financial and Monetary Research "Victor Slavescu", vol. 10(1), pages 114-119, October.
    10. Marta Cota & Ante Sterc, 2024. "Financial Skills and Search in the Mortgage Market," CERGE-EI Working Papers wp780, The Center for Economic Research and Graduate Education - Economics Institute, Prague.
    11. Fuzhong Chen & Jingxin Lu & Jiaying Li & Wenting Wang & Horlane Bissielou, 2020. "Sustainable Financial Education and Consumer Life Satisfaction," Sustainability, MDPI, vol. 12(3), pages 1-21, February.
    12. Cai, Dongsong & Kou, Junhao & He, Yao, 2025. "The impact of digital finance on households’ financial literacy," Economic Analysis and Policy, Elsevier, vol. 88(C), pages 687-704.
    13. Ioana Cristina POPA (STOICA) & Gheorghe LUCA, 2024. "The Interest Of Companies For Financial Education In The Context Of The Digital Banking Revolution," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 33(1), pages 314-329, July.
    14. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    15. Horia Ioan Tulai & Codruța Maria Făt & Daniela Georgeta, 2021. "The current framework of financial education in Romania in the context of the informational economy," Journal of Financial Studies, Institute of Financial Studies, vol. 10(6), pages 33-47, May.

  15. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.

    Cited by:

    1. Luc Arrondel & Marlene Haupt & María Jesús Mancebón & Gianni Nicolini & Manuel Wälti & Jasmira Wiersma, 2020. "Financial Literacy in Western Europe," PSE Working Papers halshs-03243830, HAL.
    2. Apiag, Claire Anne D. & Aquino, Michael P. & Cadungog, Nicole Shaine B. & Fuentes, Mary Joanne Jurika A. & Gorgonio, Althea Reann F. & Llamo, Xenia Flor D. & Manalo, Ariana Jemar B. & Orillo, Davie Ma, 2025. "Financial Literacy and Insurance Uptake Intention among Rural Area Families," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(4), pages 1636-1661, April.
    3. Adriana Medina-Vidal & Patricia Esther Alonso-Galicia & Miguel González-Mendoza & María Soledad Ramírez-Montoya, 2025. "Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking," Journal of Innovation and Entrepreneurship, Springer, vol. 14(1), pages 1-18, December.
    4. Alessandro Bucciol & Simone Quercia & Alessia Sconti, 2020. "Promoting Financial Literacy among the Elderly: Consequences on Confidence," Working Papers 12/2020, University of Verona, Department of Economics.
    5. Prince HIKOUATCHA & Alain G. TAGNE FOKA & Armand D. FOSSI & Simplice A ASONGU, 2023. "Empirical investigation of the Fintech and financial literacy nexus: small business managers' insights in Cameroon," Working Papers of the African Governance and Development Institute. 23/070, African Governance and Development Institute..
    6. Lim Soyoung & Jung Hongjoo, 2025. "Determinants of Insurance and Insurer Preferences Among Financial Consumers in ASEAN: Evidence from Myanmar, Vietnam, and Indonesia," International Review of Financial Consumers, Paradigm, vol. 10(2), pages 38-52.
    7. Lee, John Chi-Kin & Tan, Weiqiang & Zhao, Zhenzhou, 2025. "Can parental financial literacy enhance children's higher education opportunities?," International Review of Financial Analysis, Elsevier, vol. 97(C).
    8. Rahmat Hidayat & Abdul Moin, 2023. "The influence of financial behavior on capital market investment decision making with mediating of financial literacy in Yogyakarta," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(8), pages 227-237, November.
    9. Mölders, Marius & Bock, Lennart & Barrantes, Eloy & Zülch, Henning, 2025. "Understanding finfluencers: Roles and strategic partnerships in retail investor engagement," Journal of Business Research, Elsevier, vol. 198(C).
    10. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    11. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 14(4), pages 44-55, July.
    12. Yanna He & Muzaffarjon Ahunov, 2022. "Financial Literacy: The Case of China," China & World Economy, Institute of World Economics and Politics, Chinese Academy of Social Sciences, vol. 30(5), pages 75-101, September.
    13. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    14. Mekdessi, Selim & Saliba, George & Makdissi, Elena & Makdissi, Riad, 2025. "Financial literacy as a catalyst for rational investment behavior: Evidence among university students in a crisis-affected economy," International Journal of Business and Management (IJBM), International Emerging Scholars Society (IESS), New Zealand, vol. 4(2), pages 441-469, December.
    15. Hind Lebdaoui & Youssef Chetioui & Elias Guechi, 2021. "The Impact of Behavioral Biases on Investment Performance: Does Financial Literacy Matter?," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 11(3), pages 13-21.
    16. Sufian Radwan Almanaseer & Zaher Abdel Fattah Al-Slehat & Bader Mustafa Al Sharif & Sulieman Daood Aloshaibat & Yazan Emnawer Al-Haraisa & Mohammad Abdlwhab Almahasneh, 2024. "Financial Literacy and Mobile Banking Usage: The Moderating Role of Demographic Characteristics," International Review of Management and Marketing, International Review of Management and Marketing, vol. 14(6), pages 424-432, October.
    17. Md. Faruk Abdullah & Muhammad Nazmul Hoque & Md. Habibur Rahman & Jamaliah Said, 2022. "Can Islamic Financial Literacy Minimize Bankruptcy Among the Muslims? An Exploratory Study in Malaysia," SAGE Open, , vol. 12(4), pages 21582440221, November.
    18. Sicong Sun & Yu-Chih Chen & David Ansong & Jin Huang & Margaret S. Sherraden, 2022. "Household Financial Capability and Economic Hardship: An Empirical Examination of the Financial Capability Framework," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 716-729, December.
    19. Tommaso Agasisti & Alessio D'Ignazio & Gabriele Iannotta & Angela Romagnoli & Marco Tonello, 2024. "As soon as possible: the effectiveness of a financial education program in Italian schools," Temi di discussione (Economic working papers) 1464, Bank of Italy, Economic Research and International Relations Area.
    20. Niu, Juanjuan & He, Jun & He, Yiqun, 2024. "Harnessing FinTech for sustainable mineral development with innovative financing strategies in China," Resources Policy, Elsevier, vol. 90(C).
    21. Anu Mohta & V Shunmugasundaram, 2023. "Millennials’ financial literacy and risk behavior: evidence from India," International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS), vol. 70(4), pages 419-435, December.
    22. Lisa Straub & Christian Zeiß & Justus Pehl & Maximilian Greiner & Axel Winkelmann & Ulrike Lechner, 2026. "When text is not enough: Data-driven personas to explore crypto education affordances through learning platform analysis and survey insights," Electronic Markets, Springer;IIM University of St. Gallen, vol. 36(1), pages 1-26, December.
    23. Muhammad Hussain & Farzan Yahya & Muhammad Waqas, 2021. "Does strong governance stimulate the effect of economic freedom and financial literacy on financial inclusion? a cross-country evidence," Future Business Journal, Springer, vol. 7(1), pages 1-10, December.
    24. Andriy Tsapin & Oleksandr Faryna, 2024. "The Role of Financial Literacy in Anchoring Inflation Expectations: The Case of Ukraine," Working Papers 02/2024, National Bank of Ukraine.
    25. Sunwoo T. Lee & Kyoung Tae Kim, 2022. "A Decomposition Analysis of Racial/Ethnic Differences in Financial Knowledge and Overconfidence," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 815-831, December.
    26. Muhammad Hafiz Hassan & Muhamad Husni Hasbulah & Muhammad Haziq Hassan, 2025. "Mapping the Research Landscape of Financial Literacy Education: A Bibliometric Analysis," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(9), pages 8190-8205, September.
    27. Tanya Livermore & Mike Major, 2021. "What Is Driving Participation and Diversity Trends in Economics? A Survey of High School Students," RBA Research Discussion Papers rdp2021-06, Reserve Bank of Australia.
    28. Vaishali Kamboj & Dipasha Sharma, 2025. "Mapping the landscape of digital financial inclusion and proposing integrative framework: trends, influential works, and future directions," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-19, December.
    29. Farizka Shafa Nabila & Mahendra Fakhri & Mahir Pradana & Budi Rustandi Kartawinata & Anita Silvianita, 2023. "Measuring financial satisfaction of Indonesian young adults: a SEM-PLS analysis," Journal of Innovation and Entrepreneurship, Springer, vol. 12(1), pages 1-13, December.
    30. Liu Hong Shan & Kenny S. L. Cheah & Serrene Leong, 2023. "Leading Generation Z’s Financial Literacy Through Financial Education: Contemporary Bibliometric and Content Analysis in China," SAGE Open, , vol. 13(3), pages 21582440231, August.
    31. Abeer F. Alkhwaldi & Esraa Esam Alharasis & Maha Shehadeh & Ibrahim A. Abu-AlSondos & Mohammad Salem Oudat & Anas Ahmad Bani Atta, 2022. "Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective," Sustainability, MDPI, vol. 14(19), pages 1-23, October.
    32. Eduardo de Sá Fortes Leitão Rodrigues, 2025. "Financial Literacy and Saving Decisions: A Cross-Sectional Analysis Using GSEM Approach," Working Papers REM 2025/0362, ISEG - Lisbon School of Economics and Management, REM, Universidade de Lisboa.
    33. Aishwarya Mitra & Seba Mohanty & Sugyanta Priyadarshini, 2025. "Financial well-being in the IT sector: investigating the role of financial behaviour and planning," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(4), pages 1-18, December.
    34. Carolina Guerini & Donato Masciandaro, 2023. "Financial Education between Market and State: Private Commitment, Conflicts of Interest and Public Certification," BAFFI CAREFIN Working Papers 23213, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    35. Dendup, Kinzang & Dorji, Kumbu & Dema, Namgay & Yangzom, Kinley & Selden, Pema & Wangchuk, Chencho, 2024. "Influence of Teaching Faculty’s Financial Literacy on Investment Decisions: A Case Study of Gedu," Bhutan Journal of Business and Management, Gedu College of Business Studies, Royal University of Bhutan.
    36. Reisdorfer-da-Silva, Rômulo César & Becker, Kalinca Léia & Vieira, Kelmara Mendes, 2025. "The impact of board games on the financial literacy of public-school students," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 114(C).
    37. Robbie Arsyadanie & Raden Aswin Rahadi, 2024. "Financial Literacy and Retirement Readiness for Oil and Gas Indonesian Expatriates in Saudi Arabia," European Journal of Business and Management Research, European Open Science, vol. 9(1), pages 6-14, January.
    38. Manuel Salas-Velasco, 2025. "Non-experimental impact estimates of school financial education exposure on financial literacy outcomes," Economia Politica: Journal of Analytical and Institutional Economics, Springer;Fondazione Edison, vol. 42(2), pages 379-403, July.
    39. Chen, Chuna & Tan, Zhuomin & Liu, Song, 2024. "How does financial literacy affect households’ financial fragility? The role of insurance awareness," International Review of Economics & Finance, Elsevier, vol. 95(C).
    40. Gaurav R. Sinha & Raj Chirag Mehta & Anniina Kaittila & Katri Viitasalo, 2025. "Factors and patterns in mobile banking and payment services use in the United States," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(4), pages 1-11, December.
    41. Ginevra Buratti & Alessio D'Ignazio, 2024. "Improving the effectiveness of financial education programs. A targeting approach," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 451-485, June.
    42. Tornino, Janelee & Ferdinez, Emil, 2025. "Financial Literacy, Behavior, and Challenges in Teaching: An Insight for a Literacy Program," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(7), pages 2932-2965, July.
    43. Löfgren, Åsa & Nordblom, Katarina, 2024. "Reconciling sustainability preferences and behavior — The case of mutual fund investments," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    44. Gentjan Çera & Khurram Ajaz Khan & Jaroslav Belas & Humberto Nuno Rito Ribeiro, 2020. "The Role of Financial Capability and Culture in Financial Satisfaction," Economic Papers, The Economic Society of Australia, vol. 39(4), pages 389-406, December.
    45. Tan Kee Xian, 2022. "Factors Influencing Working Adults' Awareness of Individual Financial Planning ," GATR Journals gjbssr621, Global Academy of Training and Research (GATR) Enterprise.
    46. Emmanuel Sibanda & Tendekai Ashley Muzavazi & Tsepeso Setoboli & Nothando Tshuma, 2025. "Assessing the Impact of Financial Literacy on Savings Behavior in the Informal Sector," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(1), pages 2889-2899, January.
    47. NGUYEN Thuan Minh Hoang & DO Hoai-Thu Thi & DINH Dung Hai, 2025. "Toward Financial Sustainability: Understanding The Determinants of Retirement Saving Behavior among Sport Lecturers in Vietnam," Foundations of Management, Paradigm, vol. 17(1), pages 441-458.
    48. Yi Jiang & Shohei Shimizu, 2024. "Does Financial Literacy Impact Investment Participation and Retirement Planning in Japan?," Papers 2405.01078, arXiv.org.
    49. Wookjae Heo & Yi Liu & Heejung Park, 2025. "Financial Stress, Psychological Factors, and Financial Knowledge on Life Satisfaction: A Comparative Pre- and Post-COVID Cross-Sectional Analysis in the United States," Applied Research in Quality of Life, Springer;International Society for Quality-of-Life Studies, vol. 20(2), pages 665-684, April.
    50. Kim, Amee & Vanheusden, Frederique J. & Rashid, Mamunur, 2025. "Factors affecting UK household financial risk-taking and their implications for consumption of financial investments," International Review of Economics & Finance, Elsevier, vol. 103(C).
    51. Budi Setiawan & Thich Dai Phan & Jennifer Medina & Martijn Wieriks & Robert Jeyakumar Nathan & Maria Fekete-Farkas, 2024. "Quest for financial inclusion via digital financial services (Fintech) during COVID-19 pandemic: case study of women in Indonesia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(2), pages 459-473, June.
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    54. Duan, Wenjie & Yu, Xinhang & Wang, Zichuan & Chai, Xue, 2024. "Financial resilience-focused program: A single group pretest–posttest intervention to change financial risk perception among teenagers in an ethnic minority poverty-stricken area in China," Children and Youth Services Review, Elsevier, vol. 164(C).
    55. Trivedi, Shilpa & Bhatt, Jagruti & Thaker, Nisha, 2024. "Financial Literacy among the Students of Junagadh Agricultural University," Asian Journal of Agricultural Extension, Economics & Sociology, Asian Journal of Agricultural Extension, Economics & Sociology, vol. 42(12), pages 1-8.
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    103. Aziza Imane El Hachimy & Said Toufik, 2025. "Artificial Intelligence as a Driver of Financial Education: Opportunities and Challenges [L'intelligence artificielle comme levier d'éducation financière : opportunités et limites Artificial Intelligence as a Driver of Financial Education: Opportu," Post-Print hal-05311489, HAL.
    104. Adam Steen & Chris Graves & Steven D’Alessandro & Henry X. Shi, 2024. "Managing digital assets on death and disability: An examination of the determinants of digital asset planning literacy," Australian Journal of Management, Australian School of Business, vol. 49(4), pages 561-580, November.
    105. Hugo Reis & Lara Wemans, 2022. "Financial literacy of 15 years-old in Portugal: Evidence from PISA 2018," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    106. Ahmad Ghadwan & Wan Marhaini Wan Ahmad & Mohamed Hisham Hanifa, 2022. "Financial Planning for Retirement: The Mediating Role of Culture," Risks, MDPI, vol. 10(5), pages 1-20, May.
    107. Shallu Saini & Tejinder Sharma & Satyanarayana Parayitam, 2024. "The Relationship Between Financial Knowledge, Investment Strategy and Satisfaction From Pension Schemes: Evidence From India," Asia-Pacific Financial Markets, Springer;Japanese Association of Financial Economics and Engineering, vol. 31(1), pages 101-135, March.
    108. Fuzhong Chen & Xin Du & Wenting Wang, 2023. "Can FinTech Applied to Payments Improve Consumer Financial Satisfaction? Evidence from the USA," Mathematics, MDPI, vol. 11(2), pages 1-17, January.
    109. Norashikin Adam & Ngau Duo Seng & Norzahidah Binti Yacob & Mohd Sufian Ab Kadir, 2026. "Financial Literacy in the Era of Digital Finance: A Bibliometric Analysis and Future Research Agenda (2008–2026)," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(3), pages 5952-5963, March.
    110. Long She & Lan Ma & Saeed Pahlevan Sharif & Sitara Karim, 2024. "Millennials’ financial behaviour and financial well-being: the moderating role of future orientation," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(4), pages 1207-1224, December.
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  16. Annamaria Lusardi & Olivia S. Mitchell & Noemi Oggero, 2018. "The Changing Face of Debt and Financial Fragility at Older Ages," AEA Papers and Proceedings, American Economic Association, vol. 108, pages 407-411, May.

    Cited by:

    1. Mitchell, Olivia S. & Clark, Robert L. & Lusardi, Annamaria, 2022. "Income trajectories in later life: Longitudinal evidence from the Health and Retirement Study," The Journal of the Economics of Ageing, Elsevier, vol. 22(C).
    2. Alina K. Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike I. Steins, 2020. "Modigliani Meets Minsky: Inequality, Debt, and Financial Fragility in America, 1950-2016," CESifo Working Paper Series 8273, CESifo.
    3. Bing Han & David Hirshleifer & Johan Walden, 2019. "Visibility Bias in the Transmission of Consumption Beliefs and Undersaving," NBER Working Papers 25566, National Bureau of Economic Research, Inc.
    4. Junhao Liu & Anita Mukherjee, 2021. "Medicaid and long‐term care: The effects of penalizing strategic asset transfers," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(1), pages 53-77, March.
    5. Tae‐Young Pak & Lu Fan, 2022. "Childhood experience of parental affection and financial well‐being in later life: Evidence from the Health and Retirement Study," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(4), pages 1433-1453, December.
    6. Angelici, Marta & Del Boca, Daniela & Oggero, Noemi & Profeta, Paola & Rossi, Mariacristina & Villosio, Claudia, 2020. "Pension Information and Women's Awareness," IZA Discussion Papers 13573, IZA Network @ LISER.
    7. Collins, J. Michael & Hembre, Erik & Urban, Carly, 2020. "Exploring the rise of mortgage borrowing among older Americans," Regional Science and Urban Economics, Elsevier, vol. 83(C).
    8. Sergio Hernández Mejía & Elena Moreno García, 2025. "Ahorro para emergencias, la inclusión y la educación financiera en México," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 20(2), pages 1-22, Abril - J.
    9. Alina K Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike I Steins, 2025. "The Distribution of Household Debt in the United States, 1950-2022," Post-Print hal-05448445, HAL.
    10. Bartscher, Alina K. & Kuhn, Moritz & Schularick, Moritz & Steins, Ulrike I., 2025. "The distribution of household debt in the United States, 1950-2022," Open Access Publications from Kiel Institute for the World Economy 324154, Kiel Institute for the World Economy.
    11. Horioka, Charles Yuji & Niimi, Yoko, 2020. "Was the expansion of housing credit in Japan good or bad?," Japan and the World Economy, Elsevier, vol. 53(C).
    12. Sconti, Alessia, 2022. "Digital vs. in-person financial education: What works best for Generation Z?," Journal of Economic Behavior & Organization, Elsevier, vol. 194(C), pages 300-318.
    13. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    14. Agnes Kovacs & Hamish Low & Patrick Moran, 2020. "Estimating temptation and commitment over the life-cycle," IFS Working Papers W20/24, Institute for Fiscal Studies.
    15. Zibei Chen & Karen A. Zurlo, 2022. "The Role of Secured and Unsecured Debt in Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 667-677, December.
    16. Lisa J. Dettling & Sarena Goodman & Sarah Reber, 2022. "Saving and Wealth Accumulation among Student Loan Borrowers: Implications for Retirement Preparedness," Finance and Economics Discussion Series 2022-019, Board of Governors of the Federal Reserve System (U.S.).
    17. Stephanie Moulton & Donald Haurin & Samuel Dodini & Maximilian D. Schmeiser, 2020. "How federally insured reverse mortgages affect the credit outcomes of older adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(4), pages 1298-1327, December.
    18. Alina K. Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike I. Steins, 2020. "The Distribution of Household Debt in the United States, 1950-2019," ECONtribute Discussion Papers Series 015, University of Bonn and University of Cologne, Germany.
    19. Fong, Joelle H. & Koh, Benedict S.K. & Mitchell, Olivia S. & Rohwedder, Susann, 2021. "Financial literacy and financial decision-making at older ages," Pacific-Basin Finance Journal, Elsevier, vol. 65(C).
    20. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    21. Retirement Equity Lab, 2019. "Older Workers Will Be More Vulnerable in the Next Recession," SCEPA publication series. 2019-03, Schwartz Center for Economic Policy Analysis (SCEPA), The New School.
    22. Lusardi, Annamaria & Mitchell, Olivia S. & Oggero, Noemi, 2019. "Debt close to retirement and its implications for retirement well-being," CFS Working Paper Series 631, Center for Financial Studies (CFS).
    23. Alina Bartscher & Moritz Kuhn & Moritz Schularick & Ulrike Steins, 2025. "The Distribution of Household Debt in the United States, 1950-2022," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 57, July.
    24. Isler, Ozan & Rojas, Andres & Dulleck, Uwe, 2022. "Easy to shove, difficult to show: Effect of educative and default nudges on financial self-management," Journal of Behavioral and Experimental Finance, Elsevier, vol. 34(C).
    25. Noemi Oggero & Maria Cristina Rossi & Elisa Ughetto, 2020. "Entrepreneurial spirits in women and men. The role of financial literacy and digital skills," Small Business Economics, Springer, vol. 55(2), pages 313-327, August.
    26. Armantier, Olivier & Foncel, Jérôme & Treich, Nicolas, 2023. "Insurance and portfolio decisions: Two sides of the same coin?," Journal of Financial Economics, Elsevier, vol. 148(3), pages 201-219.
    27. Horneff, Vanya & Maurer, Raimond & Mitchell, Olivia S., 2026. "Defaulting 401(k) assets into payout annuities for "pretty good" lifetime incomes," SAFE Working Paper Series 484, Leibniz Institute for Financial Research SAFE.
    28. Lusardi, Annamaria & Mitchell, Olivia S & Oggero, Noemi, 2020. "Understanding Debt in the Older Population," CEPR Discussion Papers 15568, Centre for Economic Policy Research.
    29. Stefania Basiglio & Noemi Oggero, 2020. "The Effects of Pension Information on Individuals’ Economic Outcomes: A Survey," Economies, MDPI, vol. 8(3), pages 1-16, August.
    30. Gilles E. Gignac & Adrian Gepp & Terence J. O’Neill & Rui Xue, 2024. "The Impact of Housing Tenure on Financial Wellbeing Among Elderly Australians," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 171(2), pages 655-675, January.

  17. Annamaria Lusardi & Olivia S. Mitchell, 2017. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," Quarterly Journal of Finance (QJF), World Scientific Publishing Co. Pte. Ltd., vol. 7(03), pages 1-31, September.
    See citations under working paper version above.
  18. Annamaria Lusardi & Pierre-Carl Michaud & Olivia S. Mitchell, 2017. "Optimal Financial Knowledge and Wealth Inequality," Journal of Political Economy, University of Chicago Press, vol. 125(2), pages 431-477.
    See citations under working paper version above.
  19. Tabea Bucher-Koenen & Annamaria Lusardi & Rob Alessie & Maarten van Rooij, 2017. "How Financially Literate Are Women? An Overview and New Insights," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(2), pages 255-283, July.
    See citations under working paper version above.
  20. Boisclair, David & Lusardi, Annamaria & Michaud, Pierre-Carl, 2017. "Financial literacy and retirement planning in Canada," Journal of Pension Economics and Finance, Cambridge University Press, vol. 16(3), pages 277-296, July.
    See citations under working paper version above.
  21. Clark, Robert & Lusardi, Annamaria & Mitchell, Olivia S., 2017. "Financial knowledge and 401(k) investment performance: a case study," Journal of Pension Economics and Finance, Cambridge University Press, vol. 16(3), pages 324-347, July.

    Cited by:

    1. Hu, Zihao & Zhang, Dong & Xiong, Xueping, 2025. "Motivation, cognition, and capacity: How income risk shapes retirement saving in an aging society," International Review of Economics & Finance, Elsevier, vol. 102(C).
    2. Bianchi, Milo, 2017. "Financial Literacy and Portfolio Dynamics," TSE Working Papers 17-808, Toulouse School of Economics (TSE).
    3. Jana Schuetz, 2024. "Beliefs about the Gender Pension Gap," Jena Economics Research Papers 2024-004, Friedrich-Schiller-University Jena.
    4. Gignac, Gilles E. & Zajenkowski, Marcin, 2025. "Humans peak in midlife: A combined cognitive and personality trait perspective," Intelligence, Elsevier, vol. 113(C).
    5. Ismael Choinière-Crèvecoeur & Pierre-Carl Michaud, 2023. "Reverse Mortgages and Financial Literacy," CIRANO Working Papers 2023s-06, CIRANO.
    6. Bucci, Alberto & Calcagno, Riccardo & Marsiglio, Simone & Sequeira, Tiago Neves, 2025. "Financial literacy, human capital and long-run economic growth," The North American Journal of Economics and Finance, Elsevier, vol. 80(C).
    7. Marianne Laurin & Derek Messacar & Pierre-Carl Michaud, 2021. "Financial Literacy and the Timing of Tax-Preferred Savings Account Withdrawals," Cahiers de recherche / Working Papers 2106, Chaire de recherche sur les enjeux économiques intergénérationnels / Research Chair in Intergenerational Economics.
    8. Andriy Tsapin & Oleksandr Faryna, 2024. "The Role of Financial Literacy in Anchoring Inflation Expectations: The Case of Ukraine," Working Papers 02/2024, National Bank of Ukraine.
    9. Calcagno, Riccardo & Giofré, Maela & Urzì-Brancati, Maria Cesira, 2017. "To trust is good, but to control is better: How investors discipline financial advisors’ activity," Journal of Economic Behavior & Organization, Elsevier, vol. 140(C), pages 287-316.
    10. UIFALEAN, Răzvan, 2026. "Exploring The Link Between Financial Knowledge, Risk Aversion, And Investment Preferences: A European Union Analysis," Studii Financiare (Financial Studies), Centre of Financial and Monetary Research "Victor Slavescu", vol. 30(2), pages 6-39, June.
    11. Cliff A. Robb & Swarn Chatterjee & Nilton Porto & Brenda J. Cude, 2019. "The Influence of Student Loan Debt on Financial Satisfaction," Journal of Family and Economic Issues, Springer, vol. 40(1), pages 51-73, March.
    12. Koh, Benedict S.K. & Mitchell, Olivia S. & Fong, Joelle H., 2021. "Trust and retirement preparedness: Evidence from Singapore," The Journal of the Economics of Ageing, Elsevier, vol. 18(C).
    13. Biwei Chen & Christos I. Giannikos & Jun Lou, 2023. "Is More Financial Literacy Always Beneficial? An Investigation through a Mediator," JRFM, MDPI, vol. 16(1), pages 1-10, January.
    14. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    15. M. Martin Boyer & Philippe d’Astous & Pierre-Carl Michaud, 2019. "Tax-Sheltered Retirement Accounts: Can Financial Education Improve Decisions?," CIRANO Working Papers 2019s-10, CIRANO.
    16. Yu, Guohua & Qi, Yingying & Ren, Yimeng, 2025. "FinTech adoption and farmers’ wealth distribution: Evidence from a large micro-data in China," Finance Research Letters, Elsevier, vol. 72(C).
    17. Fong, Joelle H. & Koh, Benedict SK. & Mitchell, Olivia S. & Rohwedder, Susann, 2019. "Financial literacy and suboptimal financial decisions at older ages," CFS Working Paper Series 630, Center for Financial Studies (CFS).
    18. Hugh Hoikwang Kim & Raimond Maurer & Olivia S. Mitchell, 2019. "How Cognitive Ability and Financial Literacy Shape the Demand for Financial Advice at Older Ages," NBER Working Papers 25750, National Bureau of Economic Research, Inc.
    19. Seth Neumuller & Casey Rothschild, 2017. "Financial Sophistication and Portfolio Choice over the Life Cycle," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 26, pages 243-262, October.
    20. Dekui Jia & Ruihai Li & Shibo Bian & Christopher Gan, 2021. "Financial Planning Ability, Risk Perception and Household Portfolio Choice," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 57(8), pages 2153-2175, June.
    21. Koh, Benedict S.K. & Mitchell, Olivia S. & Rohwedder, Susann, 2020. "Financial knowledge and portfolio complexity in Singapore," The Journal of the Economics of Ageing, Elsevier, vol. 17(C).
    22. Barone, Simona & Oggero, Noemi & Damilano, Marina, 2026. "Financial literacy and international portfolio diversification," International Review of Economics & Finance, Elsevier, vol. 105(C).
    23. Tyrowicz, Joanna, 2020. "Are incentivized old-age savings schemes effective under incomplete rationality?," VfS Annual Conference 2020 (Virtual Conference): Gender Economics 224526, Verein für Socialpolitik / German Economic Association.
    24. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    25. Talpsepp, Tõnn & Liivamägi, Kristjan & Vaarmets, Tarvo, 2020. "Academic abilities, education and performance in the stock market," Journal of Banking & Finance, Elsevier, vol. 117(C).
    26. Buss, Adrian & Vilkov, Grigory & Uppal, Raman, 2020. "Investor Sophistication and Portfolio Dynamics," CEPR Discussion Papers 15116, Centre for Economic Policy Research.
    27. Jones, Michael & Luu, Truong (Jack) & Samuel, Binny, 2024. "The interdependence of financial literacy and crypto literacy," Economics Letters, Elsevier, vol. 239(C).
    28. Lusardi, Annamaria & Michaud, Pierre-Carl & Mitchell, Olivia S., 2020. "Assessing the impact of financial education programs: A quantitative model," Economics of Education Review, Elsevier, vol. 78(C).
    29. Robert Clark & Annamaria Lusardi & Olivia S. Mitchell, 2017. "Employee Financial Literacy And Retirement Plan Behavior: A Case Study," Economic Inquiry, Western Economic Association International, vol. 55(1), pages 248-259, January.
    30. Buschong, René, 2022. "Financial Literacy is associated with Stock Market Expectations but not with Forecast Accuracy: Evidence from Germany," EconStor Preprints 266404, ZBW - Leibniz Information Centre for Economics.

  22. Lusardi, Annamaria & Samek, Anya & Kapteyn, Arie & Glinert, Lewis & Hung, Angela & Heinberg, Aileen, 2017. "Visual tools and narratives: new ways to improve financial literacy," Journal of Pension Economics and Finance, Cambridge University Press, vol. 16(3), pages 297-323, July.
    See citations under working paper version above.
  23. Robert Clark & Annamaria Lusardi & Olivia S. Mitchell, 2017. "Employee Financial Literacy And Retirement Plan Behavior: A Case Study," Economic Inquiry, Western Economic Association International, vol. 55(1), pages 248-259, January.
    See citations under working paper version above.
  24. Kyle Carlson & Joshua Kim & Annamaria Lusardi & Colin F. Camerer, 2015. "Bankruptcy Rates among NFL Players with Short-Lived Income Spikes," American Economic Review, American Economic Association, vol. 105(5), pages 381-384, May.
    See citations under working paper version above.
  25. Annamaria Lusardi & Daniel Schneider & Peter Tufano, 2015. "The Economic Crisis and Medical Care Use: Comparative Evidence from Five High-Income Countries," Social Science Quarterly, Southwestern Social Science Association, vol. 96(1), pages 202-213, March.

    Cited by:

    1. Luca Salvati, 2018. "Population growth and the economic crisis: understanding latent patterns of change in Greece, 2002–2016," Letters in Spatial and Resource Sciences, Springer, vol. 11(2), pages 105-126, July.
    2. Luca Salvati, 2020. "Demographic Dynamics, Urban Cycles and Economic Downturns: A Long-term Investigation of a Metropolitan Region in Europe, 1956–2016," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 39(3), pages 549-575, June.
    3. Rocco Palumbo, 2017. "Toward a new conceptualization of health care services to inspire public health. Public national health service as a “common pool of resources”," International Review on Public and Nonprofit Marketing, Springer;International Association of Public and Non-Profit Marketing, vol. 14(3), pages 271-287, September.
    4. Alice Chen & Anthony Lo Sasso & Michael R. Richards, 2018. "Graduating into a downturn: Are physicians recession proof?," Health Economics, John Wiley & Sons, Ltd., vol. 27(1), pages 223-235, January.
    5. Charis E. Kubrin & Bradley J. Bartos & Richard McCleary, 2022. "The debt crisis, austerity measures, and suicide in Greece," Social Science Quarterly, Southwestern Social Science Association, vol. 103(1), pages 120-140, January.
    6. Rosanna Salvia & Gianluca Egidi & Luca Salvati & Jesús Rodrigo-Comino & Giovanni Quaranta, 2020. "In-Between ‘Smart’ Urban Growth and ‘Sluggish’ Rural Development? Reframing Population Dynamics in Greece, 1940–2019," Sustainability, MDPI, vol. 12(15), pages 1-18, July.
    7. Lourdes Lostao & Siegfried Geyer & Romana Albaladejo & Almudena Moreno-Lostao & Juana M Santos & Enrique Regidor, 2017. "Socioeconomic position and health services use in Germany and Spain during the Great Recession," PLOS ONE, Public Library of Science, vol. 12(8), pages 1-12, August.
    8. Jongsay Yong & Ou Yang, 2021. "Does socioeconomic status affect hospital utilization and health outcomes of chronic disease patients?," The European Journal of Health Economics, Springer;Deutsche Gesellschaft für Gesundheitsökonomie (DGGÖ), vol. 22(2), pages 329-339, March.
    9. Luca Salvati & Margherita Carlucci & Pere Serra & Ilaria Zambon, 2019. "Demographic Transitions and Socioeconomic Development in Italy, 1862–2009: A Brief Overview," Sustainability, MDPI, vol. 11(1), pages 1-12, January.

  26. Annamaria Lusardi, 2015. "Financial Literacy Skills for the 21st Century: Evidence from PISA," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(3), pages 639-659, November.

    Cited by:

    1. Alessandro Bucciol & Simone Quercia & Alessia Sconti, 2020. "Promoting Financial Literacy among the Elderly: Consequences on Confidence," Working Papers 12/2020, University of Verona, Department of Economics.
    2. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    3. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Paradigm, vol. 11(2), pages 117-131, October.
    4. Giovanni Gallo & Alessia sconti, 2023. "Could financial education be a universal social policy? A simulation of potential influences on inequality levels," Center for the Analysis of Public Policies (CAPP) 0182, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    5. Martin Mende, 2019. "The innovation imperative in healthcare: an interview and commentary," AMS Review, Springer;Academy of Marketing Science, vol. 9(1), pages 121-131, June.
    6. Bechly, Paul, 2018. "An Examination of Demographic Differences in Obtaining Investment and Financial Planning Information," MPRA Paper 107181, University Library of Munich, Germany, revised 13 May 2019.
    7. Waqar Younas & K. Ramanathan Kalimuthu, 2021. "Telecom microfinance banking versus commercial banking: a battle in the financial services sector," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 26(2), pages 67-80, June.
    8. Anokye M. Adam, & Siaw Frimpong, & Mavis Opoku Boadu, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center, vol. 13(2), pages 224-236, May.
    9. Aishwarya Mitra & Seba Mohanty & Sugyanta Priyadarshini, 2025. "Financial well-being in the IT sector: investigating the role of financial behaviour and planning," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(4), pages 1-18, December.
    10. Brenda J. Cude & Swarn Chatterjee & Jamal Tavosi, 2020. "Financial Knowledge, Personality Traits, and Risky Borrowing Behaviors in Iranian Households," Sustainability, MDPI, vol. 12(18), pages 1-16, September.
    11. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    12. Mário Antão, 2022. "Financial Literacy as a Strategic issue: A survey from Portuguese Higher Education Students ," GATR Journals jber227, Global Academy of Training and Research (GATR) Enterprise.
    13. Andrea Lučić & Dajana Barbić & Marija Uzelac, 2020. "The Role of Financial Education in Adolescent Consumers’ Financial Knowledge Enhancement," Tržište/Market, Faculty of Economics and Business, University of Zagreb, vol. 32(SI), pages 115-130.
    14. Sara Lamboglia & Massimiliano Stacchini, 2022. "Financial literacy, numeracy and schooling: evidence from developed countries," Questioni di Economia e Finanza (Occasional Papers) 722, Bank of Italy, Economic Research and International Relations Area.
    15. Panu Kalmi, 2018. "The Effects of Financial Education: Evidence from Finnish Lower Secondary Schools," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 353-386, July.
    16. Gallo, Giovanni & Sconti, Alessia, 2023. "How much financial literacy matters? A simulation of potential influences on inequality levels," GLO Discussion Paper Series 1266, Global Labor Organization (GLO).
    17. Kristjan Pulk & Leonore Riitsalu, 2024. "Youth in individualistic countries have higher financial literacy: Evidence from PISA," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 432-450, June.
    18. Silvia Mariela Méndez Prado & Marlon José Zambrano Franco & Susana Gabriela Zambrano Zapata & Katherine Malena Chiluiza García & Patricia Everaert & Martin Valcke, 2022. "A Systematic Review of Financial Literacy Research in Latin America and The Caribbean," Sustainability, MDPI, vol. 14(7), pages 1-43, March.
    19. Ester Muñoz-Céspedes & Raquel Ibar-Alonso & Miguel Cuerdo-Mir, 2024. "Individual entrepreneurial behavior and financial literacy," International Entrepreneurship and Management Journal, Springer, vol. 20(3), pages 2263-2285, September.
    20. Fenella Carpena & Shawn Cole & Jeremy Shapiro & Bilal Zia, 2019. "The ABCs of Financial Education: Experimental Evidence on Attitudes, Behavior, and Cognitive Biases," Management Science, INFORMS, vol. 65(1), pages 346-369, January.
    21. Dr. Javed Miraj & Sheraz Haider & Dr. Qaisar Abbas & Iram Naeem & Zuhaib Nishtar & Kashif Lodhi, 2023. "Assessing the Effectiveness of Financial Literacy Programs for Business Student," Bulletin of Business and Economics (BBE), Research Foundation for Humanity (RFH), vol. 12(3), pages 587-594.
    22. Gintautas Silinskas & Arto K. Ahonen & Terhi‐Anna Wilska, 2023. "School and family environments promote adolescents' financial confidence: Indirect paths to financial literacy skills in Finnish PISA 2018," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 593-618, January.
    23. Tohar, Gilad & Akron, Sagi, 2025. "Financial literacy cognitions and optimal financial behavior," Finance Research Letters, Elsevier, vol. 83(C).
    24. Bechly, Paul Lorin, 2019. "An Examination of Demographic Differences in Obtaining Investment and Financial Planning Information," OSF Preprints vn8yj, Center for Open Science.
    25. Liu, Bofan & Lu, Bin, 2023. "Can financial literacy be a substitute for financial advisers? Evidence from China," Pacific-Basin Finance Journal, Elsevier, vol. 79(C).
    26. Gregory N. Price & Christopher Surprenant, 2026. "The effect of high school only financial education on financial literacy, financial knowledge, and adult financial outcomes: Some treatment effect evidence from the National Financial Capability Study," Review of Financial Economics, John Wiley & Sons, vol. 44(2), April.
    27. Tiina Koskelainen & Panu Kalmi & Eusebio Scornavacca & Tero Vartiainen, 2023. "Financial literacy in the digital age—A research agenda," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 507-528, January.
    28. Angel, Stefan, 2018. "Smart tools? A randomized controlled trial on the impact of three different media tools on personal finance," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 74(C), pages 104-111.
    29. Adam, Anokye Mohammed & Frimpong, Siaw & Boadu, Mavis Opoku, 2017. "Financial literacy and financial planning: Implication for financial well-being of retirees," Business and Economic Horizons (BEH), Prague Development Center (PRADEC), vol. 13(2).
    30. Christi R. Wann & Lisa A. Burke-Smalley, 2023. "Attributes of Households that Engage in Higher Levels of Family Financial Planning," Journal of Family and Economic Issues, Springer, vol. 44(1), pages 98-113, March.
    31. Alessia Sconti, 2024. "Having Trouble Making Ends Meet? Financial Literacy Makes the Difference," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 10(1), pages 377-408, March.
    32. Ramesh Prasad Chaulagain, 2017. "Relationship between Financial Literacy and Behavior of Small Borrowers," NRB Economic Review, Nepal Rastra Bank, Economic Research Department, vol. 29(1), pages 33-53, April.
    33. Blue Levon, 2016. "Financial Literacy Education with Aboriginal People: The Importance of Culture and Context," Financial Planning Research Journal, Paradigm, vol. 2(2), pages 91-105.

  27. Lusardi, Annamaria & Tufano, Peter, 2015. "Debt literacy, financial experiences, and overindebtedness," Journal of Pension Economics and Finance, Cambridge University Press, vol. 14(4), pages 332-368, October.
    See citations under working paper version above.
  28. Lusardi, Annamaria & Mitchell, Olivia S. & Curto, Vilsa, 2014. "Financial literacy and financial sophistication in the older population," Journal of Pension Economics and Finance, Cambridge University Press, vol. 13(4), pages 347-366, October.

    Cited by:

    1. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    2. Boggio, Cecilia & Coda Moscarola, Flavia & Gallice, Andrea, 2020. "What is good for the goose is good for the gander?," Economics of Education Review, Elsevier, vol. 75(C).
    3. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2022. "Is Income Inequality Influenced by Financial Knowledge? A Macroeconomic and Longitudinal Analysis," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 13(4), pages 3050-3075, December.
    4. Paladino, Giovanna, 2022. "Quanto conta il modo in cui viene posta la domanda? Un’analisi dell’effetto “framing” sul livello di alfabetizzazione finanziaria in Italia [Does the question wording matter? A study of the framing effect on financial literacy in Italy]," MPRA Paper 111527, University Library of Munich, Germany.
    5. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Hamada & Alvaro Dominguez, 2018. "Financial literacy and anxiety about life in old age: evidence from the USA," Review of Economics of the Household, Springer, vol. 16(3), pages 859-878, September.
    6. Gilles E. Gignac & Elizabeth Ooi, 2022. "Measurement error in research on financial literacy: How much error is there and how does it influence effect size estimates?," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 938-956, June.
    7. Yang Li & Jan E. Mutchler & Edward Alan Miller & Jing Jian Xiao & Reginald Tucker-Seeley, 2022. "Space, Context, and Human Capital: A Micro–Macro Perspective on the Social Environment and Financial Literacy in Later Life," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 41(3), pages 1385-1404, June.
    8. Agarwalla, Sobhesh Kumar & Barua, Samir K. & Jacob, Joshy & Varma, Jayanth R., 2015. "Financial Literacy among Working Young in Urban India," World Development, Elsevier, vol. 67(C), pages 101-109.
    9. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    10. Sheza Riaz & Hadi Hassan Khan & Bilal Sarwar & Wahab Ahmed & Noor Muhammad & Sajjida Reza & Sheikh Muhammad Nabeel Ul Haq, 2022. "Influence of Financial Social Agents and Attitude Toward Money on Financial Literacy: The Mediating Role of Financial Self-Efficacy and Moderating Role of Mindfulness," SAGE Open, , vol. 12(3), pages 21582440221, August.
    11. Mehdi EL HERRADI & Aurélien LEROY, 2022. "Navigating the well-being effects of monetary policy: Evidence from the European Central Bank," Bordeaux Economics Working Papers 2022-09, Bordeaux School of Economics (BSE).
    12. Mark E. Lokanan, 2023. "Incorporating machine learning in dispute resolution and settlement process for financial fraud," Journal of Computational Social Science, Springer, vol. 6(2), pages 515-539, October.
    13. Laundon Melinda & Williams Penny, 2018. "Flexible Work: Barrier to Benefits?," Financial Planning Research Journal, Paradigm, vol. 4(2), pages 51-68.
    14. Amitabh Chandra & Courtney Coile & Corina Mommaerts, 2020. "What Can Economics Say About Alzheimer's Disease?," NBER Working Papers 27760, National Bureau of Economic Research, Inc.
    15. Inga Timmerman, 2026. "Learning From AI‐Generated Financial Educational Content: Impacts on Subjective Knowledge and Financial Well‐Being," Journal of Consumer Affairs, Wiley Blackwell, vol. 60(2), June.
    16. Li Huang & Oliver Zhen Li & Yupeng Lin & Chao Xu & Haoran Xu, 2021. "Gender and age-based investor affinities in a Ponzi scheme," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 8(1), pages 1-12, December.
    17. Luz María Ferrada & Virginia Monta�a, 2022. "Inclusión y alfabetización financiera: el caso de trabajadores estudiantes de nivel superior en Los Lagos, Chile," Estudios Gerenciales, Universidad Icesi, vol. 38(163), pages 211-221.
    18. Sigurdur Gudjonsson & Kari Kristinsson & Inga Minelgaite, 2022. "Follow us, not? Gender differences in financial literacy within the global leader of gender equality," Entrepreneurship and Sustainability Issues, VsI Entrepreneurship and Sustainability Center, vol. 10(2), pages 351-361, December.
    19. Michael S. Finke & John S. Howe & Sandra J. Huston, 2017. "Old Age and the Decline in Financial Literacy," Management Science, INFORMS, vol. 63(1), pages 213-230, January.
    20. Gladys Byegon, 2020. "Linkage Between Self-Control, Financial Innovations and Financial Inclusion. A Moderated Mediation Analysis Across Levels of Financial Literacy (The case of owners of Microenterprise in Kenya)," European Journal of Business and Management Research, European Open Science, vol. 5(4), July.
    21. Tabea Bucher-Koenen & Annamaria Lusardi & Rob Alessie & Maarten van Rooij, 2017. "How Financially Literate Are Women? An Overview and New Insights," Journal of Consumer Affairs, Wiley Blackwell, vol. 51(2), pages 255-283, July.
    22. Albert Hizgilov & Jacques Silber, 2020. "On Multidimensional Approaches to Financial Literacy Measurement," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 148(3), pages 787-830, April.
    23. Kenneth De Beckker & Kristof De Witte & Geert Van Campenhout, 2020. "The role of national culture in financial literacy: Cross‐country evidence," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 912-930, September.
    24. Marques-Ibanez, David & Santilli, Gianluca & Scardozzi, Giulia, 2024. "Bail-in in action," Economics Letters, Elsevier, vol. 241(C).
    25. Daliana Luca, 2018. "Does prevention as an investment strategy explain the intention to purchase guarantees for unit-linked life insurance?," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(3), pages 153-167, December.
    26. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    27. Elizabeth Lyon & J. R. Catlin, 2020. "Consumer Misconceptions about Tax Laws: Results from a Survey in the United States," Journal of Consumer Policy, Springer, vol. 43(4), pages 807-828, December.
    28. Zhou, Jun & Korkmaz, Aslihan Gizem & Li, Youwei & Yue, Pengpeng & Yan, Yuhan, 2025. "The sword of damocles: Debt and depression," International Review of Financial Analysis, Elsevier, vol. 98(C).
    29. Elizabeth Ooi, 2020. "Give mind to the gap: Measuring gender differences in financial knowledge," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 931-950, September.
    30. Hassan Gholami & Harald Nils Røstvik & Koen Steemers, 2021. "The Contribution of Building-Integrated Photovoltaics (BIPV) to the Concept of Nearly Zero-Energy Cities in Europe: Potential and Challenges Ahead," Energies, MDPI, vol. 14(19), pages 1-22, September.
    31. Sunder, Aman & Palmer, Lance & Chatterjee, Swarn & Goetz, Joseph, 2024. "Benefits of consistent and comprehensive financial advice during the Great Recession," Journal of Behavioral and Experimental Finance, Elsevier, vol. 41(C).
    32. Chao Li & Lin Wang & Rundong Luo & Guangjie Ning & Peiya Zhao & Xiaoning Yu, 2022. "Complexity between Aging and the Structure of Financial Market: Empirical Evidence from Microdata," Complexity, John Wiley & Sons, vol. 2022(1).
    33. Francisco J. Oliver-Márquez & Almudena Guarnido-Rueda & Ignacio Amate-Fortes & Diego Martínez-Navarro, 2024. "Regional Comparative Analysis on the Determinants of the Spaniards’ Financial Knowledge," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 15(1), pages 4203-4238, March.
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    1. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," MPRA Paper 89452, University Library of Munich, Germany.
    2. Mohamad Fazli Sabri & Mervin Anthony & Siong Hook Law & Husniyah Abdul Rahim & Nik Ahmad Sufian Burhan & Muslimah Ithnin, 2024. "Impact of financial behaviour on financial well-being: evidence among young adults in Malaysia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 788-807, September.
    3. Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas, 2014. "Financial literacy and its consequences in the emerging middleclass," Kiel Working Papers 1943, Kiel Institute for the World Economy.
    4. Ashenafi Fanta & Kingstone Mutsonziwa, 2021. "Financial Literacy as a Driver of Financial Inclusion in Kenya and Tanzania," JRFM, MDPI, vol. 14(11), pages 1-13, November.
    5. Javier Gómez‐Biscarri & Germán López‐Espinosa & Andrés Mesa‐Toro, 2022. "Drivers of depositor discipline in credit unions," Annals of Public and Cooperative Economics, Wiley Blackwell, vol. 93(4), pages 849-885, December.
    6. Carlos Delgado Urbáez, 2018. "Bankarization among Households in the Dominican Republic," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 10, pages 309-347, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    7. Hee Jung Hong & Ian Fraser, 2021. "‘My Sport Won’t Pay the Bills Forever’: High-Performance Athletes’ Need for Financial Literacy and Self-Management," JRFM, MDPI, vol. 14(7), pages 1-16, July.
    8. Wang, Ke & Zhang, Rui & Zhang, Xuyang, 2025. "Unravelling the impact of financial attention on household debt: Evidence from the China household finance survey," International Review of Economics & Finance, Elsevier, vol. 103(C).
    9. Potrich, Ani Caroline Grigion & Vieira, Kelmara Mendes & Kirch, Guilherme, 2018. "How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences," Journal of Behavioral and Experimental Finance, Elsevier, vol. 17(C), pages 28-41.
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    33. John Gathergood & Joerg Weber, 2012. "Self-Control, Financial Literacy and Co-Holding Puzzle," Discussion Papers 2012-02, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham.
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    38. Karen C. Castro-González, 2014. "Financial Literacy And Retirement Planning: Evidence From Puerto Rico," Global Journal of Business Research, The Institute for Business and Finance Research, vol. 8(1), pages 87-98.
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    2. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
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    6. Lucía Rey-Ares & Sara Fernández-López & Milagros Vivel-Búa, 2018. "The Influence of Social Models on Retirement Savings: Evidence for European Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 136(1), pages 247-268, February.
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    83. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    84. AHMAD Idris & ALNI Rahmawati & ARNI Surwanti & MAMDUH M. Hanafi, 2023. "Financial Literacy To Improve Sustainability: A Bibliometric Analysis," Studies in Business and Economics, Lucian Blaga University of Sibiu, Faculty of Economic Sciences, vol. 18(3), pages 24-43, December.
    85. Annamaria Lusardi, 2015. "Risk Literacy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 1(1), pages 5-23, March.
    86. Pattaphol Yuktadatta & Mostafa Saidur Rahim Khan & Yoshihiko Kadoya, 2021. "Financial Literacy and Exercise Behavior in the United States," Sustainability, MDPI, vol. 13(16), pages 1-17, August.
    87. van Rooij, Maarten & Teppa, Federica, 2014. "Personal traits and individual choices: Taking action in economic and non-economic decisions," Journal of Economic Behavior & Organization, Elsevier, vol. 100(C), pages 33-43.
    88. World Bank, 2013. "Making Sense of Financial Capability Surveys around the World," World Bank Publications - Reports 16251, The World Bank Group.
    89. Tran Huynh, 2023. "Financial Literacy and Mortgage Payment Delinquency?," Jena Economics Research Papers 2023-007, Friedrich-Schiller-University Jena.
    90. Michael P. Keane & Susan Thorp, 2016. "Complex Decision Making: The Roles of Cognitive Limitations, Cognitive Decline and Ageing," Economics Papers 2016-W10, Economics Group, Nuffield College, University of Oxford.
    91. Sconti, Alessia & Caserta, Maurizio & Ferrante, Livio, 2024. "Gen Z and financial education: Evidence from a randomized control trial in the South of Italy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 112(C).
    92. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    93. Margherita Fort & Francesco Manaresi & Serena Trucchi, 2014. "Adults' Financial Literacy and Households' Financial Assets: The Role of Banks Information Policies," CESifo Working Paper Series 5047, CESifo.
    94. Luc Arrondel & Debbich, M. & Frédérique Savignac, 2013. "Financial Literacy and Financial Planning in France," Working papers 465, Banque de France.
    95. Annamaria Lusardi, 2012. "Numeracy, financial literacy, and financial decision-making," NBER Working Papers 17821, National Bureau of Economic Research, Inc.
    96. Łukasz Kurowski, 2021. "Household’s Overindebtedness during the COVID-19 Crisis: The Role of Debt and Financial Literacy," Risks, MDPI, vol. 9(4), pages 1-19, March.
    97. Gabriel Garber & Sergio Mikio Koyama, 2018. "Policy-effective Financial Knowledge and Attitude Factors in Latin America," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Financial Decisions of Households and Financial Inclusion: Evidence for Latin America and the Caribbean, edition 1, volume 1, chapter 3, pages 51-94, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    98. Marcin Kawiński & Piotr Majewski, 2017. "Financial and insurance literacy in Poland," Working Papers 2017-03, Faculty of Economic Sciences, University of Warsaw.
    99. Lauren A. Mayer & Angela A. Hung & Joanne K. Yoong & Jack Clift & Caroline Tassot, 2013. "Designing Better Pension Benefits Statements Current Status, Best Practices and Insights from the Field of Judgment and Decisionmaking," Working Papers WR-951, RAND Corporation.
    100. Annamaria Lusardi, 2019. "Financial literacy and the need for financial education: evidence and implications," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 155(1), pages 1-8, December.
    101. Marco Aschenwald & Armando Holzknecht & Michael Kirchler & Michael Razen, 2023. "Determinants of Financial Literacy and Behavioral Bias among Adolescents," Working Papers 2023-01, Faculty of Economics and Statistics, Universität Innsbruck.
    102. C. E. Jager, 2017. "A Question of Trust: the Pursuit of Consumer Trust in the Financial Sector by Means of EU Legislation," Journal of Consumer Policy, Springer, vol. 40(1), pages 25-49, March.
    103. Ye, Zihan & Post, Thomas & Zou, Xiaopeng & Chen, Shenglan, 2025. "Savings goals matter–Cognitive constraints, retirement planning, and downstream economic behaviors," Journal of Behavioral and Experimental Finance, Elsevier, vol. 46(C).
    104. Angelo Baglioni & Luca Colombo & Giulio Piccirilli, 2018. "On the Anatomy of Financial Literacy in Italy," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 245-304, July.
    105. Spataro, Luca & Corsini, Lorenzo, 2013. "Endogenous financial literacy, saving and stock market participation," MPRA Paper 44342, University Library of Munich, Germany.
    106. Marie-Hélène BROIHANNE, 2021. "Testing the gender gap in subjective financial literacy of spouses," Working Papers of LaRGE Research Center 2021-08, Laboratoire de Recherche en Gestion et Economie (LaRGE), Université de Strasbourg.
    107. Vieira, Kelmara Mendes & Rosenblum, Tamara Otilia Amaral & Matheis, Taiane Keila, 2022. "And tomorrow, how will it be? Developing a Financial Preparation for Retirement Scale (FPRS)," Journal of Behavioral and Experimental Finance, Elsevier, vol. 35(C).
    108. Paola Iannello & Angela Sorgente & Margherita Lanz & Alessandro Antonietti, 2021. "Financial Well-Being and Its Relationship with Subjective and Psychological Well-Being Among Emerging Adults: Testing the Moderating Effect of Individual Differences," Journal of Happiness Studies, Springer, vol. 22(3), pages 1385-1411, March.
    109. Keane, M.P. & Thorp, S., 2016. "Complex Decision Making," Handbook of the Economics of Population Aging, in: Piggott, John & Woodland, Alan (ed.), Handbook of the Economics of Population Aging, edition 1, volume 1, chapter 0, pages 661-709, Elsevier.
    110. Giuseppe Bertola & Anna Lo Prete,, 2023. "Financial Literacy and Risk Protection During the Covid-19 Pandemic," Department of Economics and Statistics Cognetti de Martiis. Working Papers 202325, University of Turin.
    111. van Ooijen, Raun & van Rooij, Maarten C.J., 2016. "Mortgage risks, debt literacy and financial advice," Journal of Banking & Finance, Elsevier, vol. 72(C), pages 201-217.
    112. Carin Cruijsen & Maurice Doll & Jakob Haan, 2025. "What drives trust in the financial sector supervisor? New empirical evidence for the Netherlands," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 52(1), pages 173-195, February.
    113. Umer Mushtaq Lone & Suhail Ahmad Bhat, 2024. "Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(1), pages 122-137, March.
    114. Zuzana Brokesova & Andrej Cupak & Gueorgui Kolev, 2017. "Financial literacy and voluntary savings for retirement in Slovakia," Working and Discussion Papers WP 10/2017, Research Department, National Bank of Slovakia.
    115. van Dalen, Hendrik Peter & Henkens, K., 2023. "Trust in Pension Funds, Or the Importance of Being Financially Sound," Other publications TiSEM c19152f0-083d-4271-987e-a, Tilburg University, School of Economics and Management.
    116. Dragos, Simona Laura & Dragos, Cristian Mihai & Muresan, Gabriela Mihaela, 2020. "From intention to decision in purchasing life insurance and private pensions: different effects of knowledge and behavioural factors," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 87(C).
    117. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    118. Luc Arrondel, 2020. "Financial literacy and French behaviour on the stock market," Working Papers halshs-02505320, HAL.
    119. Niu, Geng & Zhou, Yang & Gan, Hongwu, 2020. "Financial literacy and retirement preparation in China," Pacific-Basin Finance Journal, Elsevier, vol. 59(C).
    120. Gabriel Garber & Sergio Mikio Koyama, 2016. "Policy-effective Financial Knowledge and Attitude Factors," Working Papers Series 430, Central Bank of Brazil, Research Department.
    121. Bahovec Vlasta & Barbić Dajana & Palić Irena, 2017. "The Regression Analysis of Individual Financial Performance: Evidence from Croatia," Business Systems Research, Paradigm, vol. 8(2), pages 1-13, September.
    122. Azra Zaimovic & Anes Torlakovic & Almira Arnaut-Berilo & Tarik Zaimovic & Lejla Dedovic & Minela Nuhic Meskovic, 2023. "Mapping Financial Literacy: A Systematic Literature Review of Determinants and Recent Trends," Sustainability, MDPI, vol. 15(12), pages 1-30, June.
    123. Shohei Okamoto & Kohei Komamura, 2021. "Age, gender, and financial literacy in Japan," PLOS ONE, Public Library of Science, vol. 16(11), pages 1-20, November.
    124. Zain UI Abideen & Zeeshan Ahmed & Huan Qiu & Yiwei Zhao, 2023. "Do Behavioral Biases Affect Investors’ Investment Decision Making? Evidence from the Pakistani Equity Market," Risks, MDPI, vol. 11(6), pages 1-32, June.
    125. Seda Peksevim & Metin Ercan, 2024. "Do pension funds provide financial stability? Evidence from European Union countries," Journal of Financial Services Research, Springer;Western Finance Association, vol. 66(3), pages 297-328, December.
    126. Rob Bauer & Inka Eberhardt & Paul Smeets, 2022. "A Fistful of Dollars: Financial Incentives, Peer Information, and Retirement Savings," The Review of Financial Studies, Society for Financial Studies, vol. 35(6), pages 2981-3020.
    127. Alessandro Bucciol & Martina Manfre' & Marcella Veronesi, 2018. "The Role of Financial Literacy and Money Education on Wealth Decisions," Working Papers 05/2018, University of Verona, Department of Economics.
    128. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).

  40. Erik Hurst & Annamaria Lusardi & Arthur Kennickell & Francisco Torralba, 2010. "The Importance of Business Owners in Assessing the Size of Precautionary Savings," The Review of Economics and Statistics, MIT Press, vol. 92(1), pages 61-69, February.

    Cited by:

    1. Annamaria Lusardi & Daniel Schneider & Peter Tufano, 2011. "Financially Fragile Households: Evidence and Implications," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 42(1 (Spring), pages 83-150.
    2. Zhang Anquan & Zhao Wanying & Huang Ruoxuan & Zou Lailiang, 2026. "Importance of precautionary savings for urban Chinese households," Review of Economics of the Household, Springer, vol. 24(2), pages 765-789, June.
    3. Durfari Velandia Naranjo & Edwin Gameren, 2016. "Precautionary Savings in Mexico: Evidence From the Mexican Health and Aging Study," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 62(2), pages 334-361, June.
    4. Yunju Nam & Yungsoo Lee & Shawn McMahon & Michael Sherraden, 2016. "New Measures of Economic Security and Development: Savings Goals for Short- and Long-Term Economic Needs," Journal of Consumer Affairs, Wiley Blackwell, vol. 50(3), pages 611-637, November.
    5. Annamaria Lusardi, 2010. "Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security," Working Papers wp226, University of Michigan, Michigan Retirement Research Center.
    6. Penghui Yin, 2018. "Optimal Amount of Attention to Capital Income Risk and Heterogeneous Precautionary Saving Behavior," CESifo Working Paper Series 7413, CESifo.
    7. Meng, Weilu & Lu, Weijie & Yuan, Gecheng & Zhou, Li, 2025. "Automation and stock market participation," Pacific-Basin Finance Journal, Elsevier, vol. 93(C).
    8. Luc Arrondel & Fr餩rique Savignac, 2015. "Risk management, housing and stockholding," Applied Economics, Taylor & Francis Journals, vol. 47(39), pages 4208-4227, August.
    9. Mariacristina Rossi & Dario Sansone, 2018. "Precautionary savings and the self-employed," Small Business Economics, Springer, vol. 51(1), pages 105-127, June.
    10. Corina Boar, 2021. "Dynastic Precautionary Savings," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2735-2765.
    11. Orland, Andreas & Rostam-Afschar, Davud, 2020. "Flexible work arrangements and precautionary behaviour: Theory and experimental evidence," Hohenheim Discussion Papers in Business, Economics and Social Sciences 04-2020, University of Hohenheim, Faculty of Business, Economics and Social Sciences.
    12. Joyce, Matthew & Singh, Aarti, 2025. "Income uncertainty, precautionary wealth, and social insurance," European Economic Review, Elsevier, vol. 175(C).
    13. Barbara Broadway & John P. Haisken-DeNew, 2019. "Keep calm and consume? Subjective uncertainty and precautionary savings," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 43(3), pages 481-505, July.
    14. Fulford, Scott L., 2015. "The surprisingly low importance of income uncertainty for precaution," European Economic Review, Elsevier, vol. 79(C), pages 151-171.
    15. Johannes Geyer, 2011. "The Effect of Health and Employment Risks on Precautionary Savings," Discussion Papers of DIW Berlin 1167, DIW Berlin, German Institute for Economic Research.
    16. Barceló, Cristina & Villanueva, Ernesto, 2016. "The response of household wealth to the risk of job loss: Evidence from differences in severance payments," Labour Economics, Elsevier, vol. 39(C), pages 35-54.
    17. Jesse Bricker & Kevin B. Moore & Jeffrey P. Thompson, 2019. "Trends in household portfolio composition," Working Papers 19-9, Federal Reserve Bank of Boston.
    18. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Retirement Planning in the United States," NBER Working Papers 17108, National Bureau of Economic Research, Inc.
    19. Nils M. Gornemann & Keith Kuester & Makoto Nakajima, 2021. "Doves for the Rich, Hawks for the Poor? Distributional Consequences of Systematic Monetary Policy," Opportunity and Inclusive Growth Institute Working Papers 50, Federal Reserve Bank of Minneapolis.
    20. Castaldo, Stefano & Tirelli, Mario, 2021. "Subjective income risk and precautionary saving," MPRA Paper 108341, University Library of Munich, Germany.
    21. Kovacs, Agnes & Rondinelli, Concetta & Trucchi, Serena, 2021. "Permanent versus transitory income shocks over the business cycle," European Economic Review, Elsevier, vol. 139(C).
    22. Corina Boar, 2017. "Dynastic Precautionary Savings," 2017 Meeting Papers 343, Society for Economic Dynamics.
    23. Krueger, Dirk & Malkov, Egor & Perri, Fabrizio, 2024. "How do households respond to income shocks?," Journal of Economic Dynamics and Control, Elsevier, vol. 168(C).
    24. Johannes König & Maximilian Longmuir, 2021. "Wage Risk and Portfolio Choice: The Role of Correlated Returns," Discussion Papers of DIW Berlin 1974, DIW Berlin, German Institute for Economic Research.
    25. Michele Limosani & Emanuele Millemaci, 2014. "Precautionary savings of agents with heterogeneous risk aversion," Applied Economics, Taylor & Francis Journals, vol. 46(20), pages 2342-2361, July.
    26. Frank M. Fossen & Davud Rostam-Afschar, 2013. "Precautionary and Entrepreneurial Savings: New Evidence from German Households," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 75(4), pages 528-555, August.
    27. Scott L. Fulford, 2020. "Demand for emergency savings is higher for low-income households, but so is the cost of shocks," Empirical Economics, Springer, vol. 58(6), pages 3007-3033, June.
    28. Annamaria Lusardi, 2015. "Risk Literacy," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 1(1), pages 5-23, March.
    29. Gathergood, John & Wylie, Daniel, 2018. "Why are some households so poorly insured?," Journal of Economic Behavior & Organization, Elsevier, vol. 156(C), pages 1-12.
    30. Krueger, Dirk & Malkov, Egor & Perri, Fabrizio, 2024. "Reprint of: How do households respond to income shocks?," Journal of Economic Dynamics and Control, Elsevier, vol. 169(C).
    31. Dirk Krueger & Egor Malkov & Fabrizio Perri, 2023. "How Do Households Respond to Income Shocks?," Staff Report 655, Federal Reserve Bank of Minneapolis.
    32. Tullio Jappelli & Luigi Pistaferri, 2020. "Permanent Income Shocks, Target Wealth, and the Wealth Gap," CSEF Working Papers 574, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    33. Jin, Ling & Chen, Kevin Z. & Yu, Bingxin & Huang, Zuhui, 2011. "How prudent are rural households in developing transition economies," IFPRI discussion papers 1127, International Food Policy Research Institute (IFPRI).
    34. Kolsrud, Jonas, 2013. "Precaution and Risk Aversion: Decomposing the Effect of Unemployment Benefits on Saving," Working Paper Series 2013:14, Uppsala University, Department of Economics.
    35. Li, Yue & Mastrogiacomo, Mauro & Hochguertel, Stefan & Bloemen, Hans, 2016. "The role of wealth in the start-up decision of new self-employed: Evidence from a pension policy reform," Labour Economics, Elsevier, vol. 41(C), pages 280-290.
    36. Simone Wegge & Tyler Anbinder & Cormac Ó Gráda, 2017. "Immigrants and Savers: A Rich New Database on the Irish in 1850s New York," Working Papers 201707, School of Economics, University College Dublin.
    37. Albertini, Julien & Auray, Stéphane & Bouakez, Hafedh & Eyquem, Aurélien, 2021. "Taking off into the wind: Unemployment risk and state-Dependent government spending multipliers," Journal of Monetary Economics, Elsevier, vol. 117(C), pages 990-1007.
    38. Verkaart, Simone & Munyua, Bernard G. & Mausch, Kai & Michler, Jeffrey D., 2017. "Welfare impacts of improved chickpea adoption: A pathway for rural development in Ethiopia?," Food Policy, Elsevier, vol. 66(C), pages 50-61.

  41. Silvia Ardagna & Annamaria Lusardi, 2010. "Heterogeneity in the Effect of Regulation on Entrepreneurship and Entry Size," Journal of the European Economic Association, MIT Press, vol. 8(2-3), pages 594-605, 04-05.
    See citations under working paper version above.
  42. Annamaria Lusardi & Olivia S. Mitchell, 2008. "Planning and Financial Literacy: How Do Women Fare?," American Economic Review, American Economic Association, vol. 98(2), pages 413-417, May.
    See citations under working paper version above.
  43. Lusardi, Annamaria & Mitchell, Olivia S., 2007. "Baby Boomer retirement security: The roles of planning, financial literacy, and housing wealth," Journal of Monetary Economics, Elsevier, vol. 54(1), pages 205-224, January.
    See citations under working paper version above.
  44. Annamaria Lusardi & Olivia S Mitchelli, 2007. "Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 42(1), pages 35-44, January.

    Cited by:

    1. Gopi Shah Goda & Colleen Flaherty Manchester & Aaron Sojourner, 2012. "What Will My Account Really Be Worth? An Experiment on Exponential Growth Bias and Retirement Saving," Working Papers WR-873-2, RAND Corporation.
    2. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    3. Ante, Lennart & Saggu, Aman, 2025. "Quantifying a firm's AI engagement: Constructing objective, data-driven, AI stock indices using 10-K filings," Technological Forecasting and Social Change, Elsevier, vol. 212(C).
    4. Johannes Binswanger, 2010. "Understanding the Heterogeneity of Savings and Asset Allocation: A Behavioral-Economics Perspective," Post-Print hal-00870188, HAL.
    5. Bruhn, Miriam & de Souza Leao, Luciana & Legovini, Arianna & Marchetti, Rogelio & Zia, Bilal, 2013. "The impact of high school financial education : experimental evidence from Brazil," Policy Research Working Paper Series 6723, The World Bank.
    6. Susnaningsih Muat & Nurul Shahnaz Mahdzan & Mohd Edil Abd Sukor, 2024. "What shapes the financial capabilities of young adults in the US and Asia-Pacific region? A systematic literature review," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-15, December.
    7. Renuka Sane & Susan Thomas, 2013. "In search of inclusion: informal sector participation in a voluntary, defined contribution pension system," Indira Gandhi Institute of Development Research, Mumbai Working Papers 2013-022, Indira Gandhi Institute of Development Research, Mumbai, India.
    8. Chiara Canta & Marie-Louise Leroux, 2024. "Financial education as a complement to public pensions: the case of naive individuals," Journal of Population Economics, Springer;European Society for Population Economics, vol. 37(4), pages 1-30, December.
    9. Mohamad Fazli Sabri & Mervin Anthony & Siong Hook Law & Husniyah Abdul Rahim & Nik Ahmad Sufian Burhan & Muslimah Ithnin, 2024. "Impact of financial behaviour on financial well-being: evidence among young adults in Malaysia," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 29(3), pages 788-807, September.
    10. García, Jesús María & Vila, José, 2020. "Financial literacy is not enough: The role of nudging toward adequate long-term saving behavior," Journal of Business Research, Elsevier, vol. 112(C), pages 472-477.
    11. Ibrahim Arpaci & Omer Aslan & Mustafa Kevser, 2024. "Evaluating short- and long-term investment strategies: development and validation of the investment strategies scale (ISS)," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 10(1), pages 1-17, December.
    12. Hoelzl, Erik & Kamleitner, Bernadette & Kirchler, Erich, 2011. "Loan repayment plans as sequences of instalments," Journal of Economic Psychology, Elsevier, vol. 32(4), pages 621-631, August.
    13. John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian, 2011. "Behavioral Economics Perspectives on Public Sector Pension Plans," NBER Working Papers 16728, National Bureau of Economic Research, Inc.
    14. van Rooij, Maarten & Lusardi, Annamaria & Alessie, Rob J. M., 2007. "Financial literacy and stock market participation," CFS Working Paper Series 2007/27, Center for Financial Studies (CFS).
    15. Bruce Ian Carlin & David T. Robinson, 2010. "What Does Financial Literacy Training Teach Us?," NBER Working Papers 16271, National Bureau of Economic Research, Inc.
    16. Goda, Gopi Shah & Levy, Matthew R. & Manchester, Colleen Flaherty & Sojourner, Aaron & Tasoff, Joshua, 2020. "Who is a passive saver under opt-in and auto-enrollment?," LSE Research Online Documents on Economics 102088, London School of Economics and Political Science, LSE Library.
    17. Salem, Razan, 2019. "Examining the investment behavior of Arab women in the stock market," Journal of Behavioral and Experimental Finance, Elsevier, vol. 22(C), pages 151-160.
    18. Yevgeny Mugerman & Nadav Steinberg, 2024. "How Do Mutual Fund Management Fee Changes Impact Mutual Fund Flows," Bank of Israel Working Papers 2024.12, Bank of Israel.
    19. Yashasvi Panwar & Dr. Vidya Telang, 2026. "Assessing the Impact of Financial Literacy on Investment Awareness: An Empirical Analysis of Retail Investors," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 13(5), pages 899-915, May.
    20. Süleyman Uyar & Işıl Atalay, 2021. "Financial Literacy and The Effect of Courses on University on Financial Literacy," Muhasebe Enstitusu Dergisi - Journal of Accounting Institute, Istanbul University Business School, vol. 64(64), pages 1-17, January.
    21. Antoine BozioBy & Carl Emmerson & Cormac O’Dea & Gemma Tetlow, 2017. "Do the rich save more? Evidence from linked survey and administrative data," Oxford Economic Papers, Oxford University Press, vol. 69(4), pages 1101-1119.
    22. Mohamad Fazli Sabri & Rusitha Wijekoon, 2020. "The Influence of Gender and Ethnicity on Young Adults’ Participation in Financial Education Programme," Journal of Management and Sustainability, Canadian Center of Science and Education, vol. 9(1), pages 159-159, March.
    23. Douglas Lamdin, 2008. "Galbraith on Advertising, Credit, and Consumption: A Retrospective and Empirical Investigation with Policy Implications," Review of Political Economy, Taylor & Francis Journals, vol. 20(4), pages 595-611.
    24. Fanny Salignac & Julien Hanoteau & Ioana Ramia, 2022. "Financial Resilience: A Way Forward Towards Economic Development in Developing Countries," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 160(1), pages 1-33, February.
    25. Jere R. Behrman & Olivia S. Mitchell & Cindy Soo & David Bravo, 2010. "Financial Literacy, Schooling, and Wealth Accumulation," NBER Working Papers 16452, National Bureau of Economic Research, Inc.
    26. Lu Fan & Robin Henager, 2022. "A Structural Determinants Framework for Financial Well-Being," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 415-428, June.
    27. Friesen, Lana & Earl, Peter E., 2015. "Multipart tariffs and bounded rationality: An experimental analysis of mobile phone plan choices," Journal of Economic Behavior & Organization, Elsevier, vol. 116(C), pages 239-253.
    28. Shu, Lei, 2017. "Essays on retirement income provision," Other publications TiSEM e5dd8c4e-03bf-4ec9-9651-b, Tilburg University, School of Economics and Management.
    29. Feng, Xiangnan & Lu, Bin & Song, Xinyuan & Ma, Shuang, 2019. "Financial literacy and household finances: A Bayesian two-part latent variable modeling approach," Journal of Empirical Finance, Elsevier, vol. 51(C), pages 119-137.
    30. Collins, J. Michael, 2013. "The impacts of mandatory financial education: Evidence from a randomized field study," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 146-158.
    31. Le Blanc, Julia & Scholl, Almuth, 2011. "Optimal savings for retirement: The role of individual accounts and disaster expectations," Discussion Paper Series 1: Economic Studies 2011,33, Deutsche Bundesbank.
    32. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.
    33. Colinie Wickramaarachchi & Ruwan Jayathilaka & Theekshana Suraweera & Samantha Thelijjagoda & Lakshika Kollure & Thushya Liyanage & Wageesha Serasinghe & Samanthi Bandara, 2023. "Can visual impairment impact your income potential?," PLOS ONE, Public Library of Science, vol. 18(4), pages 1-17, April.
    34. Yoshihiko KADOYA & Mostafa Saidur Rahim KHAN, 2016. "Can Financial Literacy Reduce Anxiety about Life in Old Age?," Discussion papers 16076, Research Institute of Economy, Trade and Industry (RIETI).
    35. Lusardi, Annamaria & Mitchell, Olivia S., 2007. "Financial literacy and retirement planning: New evidence from the Rand American Life Panel," CFS Working Paper Series 2007/33, Center for Financial Studies (CFS).
    36. Yoshihiko Kadoya & Mostafa Saidur Rahim Khan & Tomomi Hamada & Alvaro Dominguez, 2018. "Financial literacy and anxiety about life in old age: evidence from the USA," Review of Economics of the Household, Springer, vol. 16(3), pages 859-878, September.
    37. John Gathergood & Joerg Weber, 2015. "Is Poor Financial Literacy a Barrier to Home Ownership?," Discussion Papers 2015/16, University of Nottingham, Centre for Finance, Credit and Macroeconomics (CFCM).
    38. Nicholas Reinholtz & Philip M. Fernbach & Bart de Langhe, 2021. "Do People Understand the Benefit of Diversification?," Management Science, INFORMS, vol. 67(12), pages 7322-7343, December.
    39. Vicki L. Bogan & Angela R. Fertig, 2018. "Mental health and retirement savings: Confounding issues with compounding interest," Health Economics, John Wiley & Sons, Ltd., vol. 27(2), pages 404-425, February.
    40. Annamaria Lusardi, 2008. "Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs," NBER Working Papers 13824, National Bureau of Economic Research, Inc.
    41. van Rooij, Maarten C.J. & Lusardi, Annamaria & Alessie, Rob J.M., 2011. "Financial literacy and retirement planning in the Netherlands," Journal of Economic Psychology, Elsevier, vol. 32(4), pages 593-608, August.
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    Cited by:

    1. Zheng, Hairong & Li, Qinghai & Xia, Chuanxin, 2024. "Does financial literacy contribute to facilitating residents in safeguarding their rights as financial consumers?A three-stage study based on the perspective of “fraud” phenomenon," International Review of Economics & Finance, Elsevier, vol. 93(PA), pages 720-735.
    2. Carlos Madeira, 2019. "Measuring the Covariance Risk of Consumer Debt Portfolios," 2019 Meeting Papers 240, Society for Economic Dynamics.

  46. Kapteyn, Arie & Alessie, Rob & Lusardi, Annamaria, 2005. "Explaining the wealth holdings of different cohorts: Productivity growth and Social Security," European Economic Review, Elsevier, vol. 49(5), pages 1361-1391, July.
    See citations under working paper version above.
  47. Erik Hurst & Annamaria Lusardi, 2004. "Liquidity Constraints, Household Wealth, and Entrepreneurship," Journal of Political Economy, University of Chicago Press, vol. 112(2), pages 319-347, April.

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    5. Joao Galindo da Fonseca, 2022. "Unemployment, Entrepreneurship and Firm Outcomes," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 45, pages 322-338, July.
    6. Mariacristina De Nardi & Giulio Fella, 2017. "Saving and Wealth Inequality," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 26, pages 280-300, October.
    7. Xiao Cen, 2024. "Household Wealth and Entrepreneurial Career Choices: Evidence from Climate Disasters," Working Papers 24-39, Center for Economic Studies, U.S. Census Bureau.
    8. Johan Hombert & Antoinette Schoar & David Sraer & David Thesmar, 2016. "Does Unemployment Insurance Change the Selection into Entrepreneurship?," NBER Chapters, in: Measuring Entrepreneurial Businesses: Current Knowledge and Challenges, pages 351-369, National Bureau of Economic Research, Inc.
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    10. Guzman, Jorge & Liu, Yupeng, 2019. "Short Term Credit Costs and U.S. Entrepreneurship," SocArXiv ap978, Center for Open Science.
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    13. Saleem Bahaj & Angus Foulis & Gabor Pinter, 2017. "Home values and firm behaviour," Bank of England Staff Working Paper series 679, Bank of England.
    14. Cheng, Yixuan & Xu, Ruozhi & Zhao, Zhong & Zou, Xianqiang, 2025. "Housing prices and spousal age gap: Evidence from the chinese housing boom," Journal of Asian Economics, Elsevier, vol. 97(C).
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    16. Quatraro, Francesco & Vivarelli, Marco, 2013. "Entrepreneurship In A Developing Country Context," Department of Economics and Statistics Cognetti de Martiis LEI & BRICK - Laboratory of Economics of Innovation "Franco Momigliano", Bureau of Research in Innovation, Complexity and Knowledge, Collegio 201314, University of Turin.
    17. Sarah Flèche & Anthony Lepinteur & Nattavudh Powdthavee, 2021. "The importance of capital in closing the entrepreneurial gender gap: a longitudinal study of lottery wins," CEP Discussion Papers dp1762, Centre for Economic Performance, LSE.
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    20. Tami Gurley-Calvez & Josephine Lugovskyy, 2019. "The role of entrepreneurial risk in financial portfolio allocation," Small Business Economics, Springer, vol. 53(4), pages 839-858, December.
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    22. Bulent Unel, 2025. "Effects of immigration on native entrepreneurship in the US: an analysis of self-employment over 1980–2018," Small Business Economics, Springer, vol. 64(2), pages 755-773, February.
    23. Dean Yang, 2004. "International Migration, Human Capital, and Entrepreneurship: Evidence from Philippine Migrants’ Exchange Rate Shocks," Working Papers 531, Research Seminar in International Economics, University of Michigan.
    24. Luca David Opromolla & Michele Dell'Era, 2018. "A General Equilibrium Theory of Occupational Choice under Optimistic Beliefs about Entrepreneurial Ability," Working Papers w201822, Banco de Portugal, Economics and Research Department.
    25. Poschke, Markus, 2013. "Who becomes an entrepreneur? Labor market prospects and occupational choice," Journal of Economic Dynamics and Control, Elsevier, vol. 37(3), pages 693-710.
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    27. Edelman, Linda F. & Manolova, Tatiana & Shirokova, Galina & Tsukanova, Tatyana, 2016. "The impact of family support on young entrepreneurs' start-up activities," Journal of Business Venturing, Elsevier, vol. 31(4), pages 428-448.
    28. Simon Parker & Mirjam van Praag, 2004. "Schooling, Capital Constraints and Entrepreneurial Performance," Tinbergen Institute Discussion Papers 04-106/3, Tinbergen Institute, revised 07 Mar 2005.
    29. Ana Isabel Silva Almeida & Aurora A. C. Teixeira, 2017. "On The Work Values Of Entrepreneurs And Non-Entrepreneurs: A European Longitudinal Study," Journal of Developmental Entrepreneurship (JDE), World Scientific Publishing Co. Pte. Ltd., vol. 22(02), pages 1-29, June.
    30. Miguel A. Ferreira & Marta C. Lopes & Francisco Queiro & Hugo Reis, 2025. "Public funding and non-frontier entrepreneurship," Nova SBE Working Paper Series wp647, Universidade Nova de Lisboa, Nova School of Business and Economics.
    31. Jacob L. Vigdor, 2004. "Liquidity Constraints and Housing Prices: Theory and Evidence from the VA Mortgage," NBER Working Papers 10611, National Bureau of Economic Research, Inc.
    32. Bracke, Philippe & Hilber, Christian A. L. & Silva, Olmo, 2018. "Mortgage debt and entrepreneurship," LSE Research Online Documents on Economics 84703, London School of Economics and Political Science, LSE Library.
    33. Honjo, Yuji, 2015. "Why are entrepreneurship levels so low in Japan?," Japan and the World Economy, Elsevier, vol. 36(C), pages 88-101.
    34. Parker, Simon C. & van Praag, C. Mirjam, 2012. "The entrepreneur's mode of entry: Business takeover or new venture start?," Journal of Business Venturing, Elsevier, vol. 27(1), pages 31-46.
    35. Felipe González & Guillermo Marshall & Suresh Naidu, 2016. "Start-up Nation? Slave Wealth and Entrepreneurship in Civil War Maryland," NBER Working Papers 22483, National Bureau of Economic Research, Inc.
    36. Sayeh S. Nikpay, 2020. "Entrepreneurship And Job Lock: The Interaction Between Tax Subsidies And Health Insurance Regulations," Contemporary Economic Policy, Western Economic Association International, vol. 38(1), pages 30-47, January.
    37. Pernilla Andersson Joona, 2018. "How does motherhood affect self-employment performance?," Small Business Economics, Springer, vol. 50(1), pages 29-54, January.
    38. Parker, Simon C., 2005. "Entrepreneurship Among Married Couples in the United States: A Simultaneous Probit Approach," IZA Discussion Papers 1712, IZA Network @ LISER.
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    1. Horioka, Charles Yuji & Ventura, Luigi, 2022. "Do the Retired Elderly in Europe Decumulate Their Wealth? The Importance of Bequest Motives, Precautionary Saving, Public Pensions, and Homeownership," AGI Working Paper Series 2022-08, Asian Growth Research Institute.
    2. Elisabeth Beckmann & Mariya Hake & Jarmila Urvová, 2013. "Determinants of Households’ Savings in Central, Eastern and Southeastern Europe," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 3, pages 8-29.
    3. Jim Been & Susann Rohwedder & Michael Hurd, 2020. "Does Home Production Replace Consumption Spending? Evidence from Shocks in Housing Wealth in the Great Recession," The Review of Economics and Statistics, MIT Press, vol. 102(1), pages 113-128, March.
    4. Ricardo Reis, 2004. "Inattentive Consumers," NBER Working Papers 10883, National Bureau of Economic Research, Inc.
    5. Shimono Keiko & Ishikawa Miho, 2002. "Estimating the Size of Bequests in Japan: 1986-1994," International Economic Journal, Taylor & Francis Journals, vol. 16(3), pages 1-21.
    6. Luigi Ventura & Charles Yuji Horioka, 2020. "The Wealth Decumulation Behavior of the Retired Elderly in Italy: The Importance of Bequest Motives and Precautionary Saving," ISER Discussion Paper 1087, Institute of Social and Economic Research, The University of Osaka.
    7. Kadir KARAGÖZ, 2024. "The effect of population ageing on savings: a time series analysis for Türkiye," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania / Editura Economica, vol. 0(4(641), W), pages 153-164, Winter.
    8. Mauro Baranzini, 2005. "Modigliani's life-cycle theory of savings fifty years later," BNL Quarterly Review, Banca Nazionale del Lavoro, vol. 58(233-234), pages 109-172.
    9. Hans G. Bloemen, 2007. "The Impact of Wealth on Job Exit Rates of Elderly Workers," Tinbergen Institute Discussion Papers 07-002/3, Tinbergen Institute.
    10. Niimi, Yoko & Horioka, Charles Yuji, 2019. "The wealth decumulation behavior of the retired elderly in Japan: The relative importance of precautionary saving and bequest motives," Journal of the Japanese and International Economies, Elsevier, vol. 51(C), pages 52-63.
    11. Sharifah Haron & Deanna Sharpe & Mohamed Abdel-Ghany & Jariah Masud, 2013. "Moving Up the Savings Hierarchy: Examining Savings Motives of Older Malay Muslim," Journal of Family and Economic Issues, Springer, vol. 34(3), pages 314-328, September.
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    17. Hugo Benítez-Silva, 2003. "Labor Supply Flexibility and Portfolio Choice: An Empirical Analysis," Working Papers wp056, University of Michigan, Michigan Retirement Research Center.
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    21. Mauro Baranzini, 2005. "Modigliani's life-cycle theory of savings fifty years later," Banca Nazionale del Lavoro Quarterly Review, Banca Nazionale del Lavoro, vol. 58(233-234), pages 109-172.
    22. Karen E. Dynan & Jonathan Skinner & Stephen P. Zeldes, 2004. "Do the Rich Save More?," Journal of Political Economy, University of Chicago Press, vol. 112(2), pages 397-444, April.
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    25. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    26. Alessie, Rob & Kapteyn, Arie, 1999. "Wealth and savings : data and trends in the Netherlands," Serie Research Memoranda 0046, VU University Amsterdam, Faculty of Economics, Business Administration and Econometrics.
    27. Anthony Asher & Ramona Meyricke & Susan Thorp & Shang Wu, 2017. "Age pensioner decumulation: Responses to incentives, uncertainty and family need," Australian Journal of Management, Australian School of Business, vol. 42(4), pages 583-607, November.
    28. Demirguc-Kunt,Asli & Klapper,Leora & Panos,Georgios A., 2016. "Saving for old age," Policy Research Working Paper Series 7693, The World Bank.

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    1. Masahiro Hori & Satoshi Shimizutani, 2006. "Did Japanese consumers become more prudent during 1998-1999? Evidence from household-level data," International Economic Journal, Taylor & Francis Journals, vol. 20(2), pages 197-209.
    2. Liu, Yaxuan & Hao, Yu & Lu, Zhi Nan, 2022. "Health shock, medical insurance and financial asset allocation: evidence from CHFS in China," LSE Research Online Documents on Economics 117277, London School of Economics and Political Science, LSE Library.
    3. Marcela Ibanez & Sebastian O. Schneider, 2023. "Income Risk, Precautionary Saving, and Loss Aversion – An Empirical Test," Discussion Paper Series of the Max Planck Institute for Behavioral Economics 2023_06, Max Planck Institute for Behavioral Economics.
    4. Alessandra Guariglia & Byung‐Yeon Kim, 2003. "The Effects of Consumption Variability on Saving: Evidence from a Panel of Muscovite Households," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 65(3), pages 357-377, July.
    5. Zhang Anquan & Zhao Wanying & Huang Ruoxuan & Zou Lailiang, 2026. "Importance of precautionary savings for urban Chinese households," Review of Economics of the Household, Springer, vol. 24(2), pages 765-789, June.
    6. Hugo Benitez-Silva, 2000. "A Dynamic Model Of Labor Supply, Consumption/Saving, And Annuity Decisions Under Uncertainty," Computing in Economics and Finance 2000 128, Society for Computational Economics.
    7. Martin Browning & Thomas F. Crossley & Guglielmo Weber, 2002. "Asking Consumption Questions in General Purpose Surveys," Social and Economic Dimensions of an Aging Population Research Papers 77, McMaster University.
    8. Noussair, C.N. & Trautmann, S.T. & van de Kuilen, G., 2011. "Higher Order Risk Attitudes, Demographics, and Financial Decisions," Other publications TiSEM e49b7f3c-c3f2-4d37-8d24-0, Tilburg University, School of Economics and Management.
    9. Valério Ercolani, 2016. "The precautionary saving: theories, measurements and policies," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
    10. Durfari Velandia Naranjo & Edwin Gameren, 2016. "Precautionary Savings in Mexico: Evidence From the Mexican Health and Aging Study," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 62(2), pages 334-361, June.
    11. Jan Willem Gunning, 2008. "Risk and Savings: a Taxonomy," Tinbergen Institute Discussion Papers 08-071/2, Tinbergen Institute.
    12. Hanming Fang & Michael P. Keane & Dan Silverman, 2006. "Sources of Advantageous Selection: Evidence from the Medigap Insurance Market," NBER Working Papers 12289, National Bureau of Economic Research, Inc.
    13. Nicholas S. Souleles, 2001. "Consumer Sentiment: Its Rationality and Usefulness in Forecasting Expenditure - Evidence from the Michigan Micro Data," NBER Working Papers 8410, National Bureau of Economic Research, Inc.
    14. Lucie Schmidt, 2008. "Risk preferences and the timing of marriage and childbearing," Demography, Springer;Population Association of America (PAA), vol. 45(2), pages 439-460, May.
    15. Yunju Nam & Yungsoo Lee & Shawn McMahon & Michael Sherraden, 2016. "New Measures of Economic Security and Development: Savings Goals for Short- and Long-Term Economic Needs," Journal of Consumer Affairs, Wiley Blackwell, vol. 50(3), pages 611-637, November.
    16. Abdul Jalil, Ahmad Zafarullah, 2009. "The importance of precautionary saving motive among Indonesian households," MPRA Paper 25189, University Library of Munich, Germany.
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    7. Yulei Luo & William T. Smith & Heng-fu Zou, 2011. "The Spirit of Capitalism and Excess Smoothness," CEMA Working Papers 484, China Economics and Management Academy, Central University of Finance and Economics.
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    20. Yicong Li & Qiran Zhao & Tianchang Zhai & Wei Si, 2023. "Structural transition of protein intake in urban China: Stage characteristics and driving forces," Agribusiness, John Wiley & Sons, Ltd., vol. 39(S1), pages 1559-1577, December.
    21. Rodríguez, Catherine & Saavedra, Juan E., 2019. "The persistent effects of youth savings reminders: Experimental evidence from text-message campaigns in Colombia," Journal of Development Economics, Elsevier, vol. 139(C), pages 135-156.
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    35. Fabio Canova & Christian Matthes, 2021. "Dealing with misspecification in structural macroeconometric models," Quantitative Economics, Econometric Society, vol. 12(2), pages 313-350, May.
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    1. Francesco Scervini & Serena Trucchi, 2022. "Intergenerational Precautionary Savings in Europe," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 84(2), pages 427-450, April.
    2. Alessandra Guariglia & Byung‐Yeon Kim, 2003. "The Effects of Consumption Variability on Saving: Evidence from a Panel of Muscovite Households," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 65(3), pages 357-377, July.
    3. Bartzsch Nikolaus, 2008. "Precautionary Saving and Income Uncertainty in Germany – New Evidence from Microdata," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 228(1), pages 5-24, February.
    4. Noussair, C.N. & Trautmann, S.T. & van de Kuilen, G., 2011. "Higher Order Risk Attitudes, Demographics, and Financial Decisions," Other publications TiSEM e49b7f3c-c3f2-4d37-8d24-0, Tilburg University, School of Economics and Management.
    5. Durfari Velandia Naranjo & Edwin Gameren, 2016. "Precautionary Savings in Mexico: Evidence From the Mexican Health and Aging Study," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 62(2), pages 334-361, June.
    6. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2011. "Current Account Imbalances: can Structural Reforms Help to Reduce Them?," OECD Journal: Economic Studies, OECD Publishing, vol. 2011(1), pages 1-44.
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    68. Evren Ceritoğlu, 2013. "The impact of labour income risk on household saving decisions in Turkey," Review of Economics of the Household, Springer, vol. 11(1), pages 109-129, March.
    69. Arrondel, Luc, 2002. "Risk management and wealth accumulation behavior in France," Economics Letters, Elsevier, vol. 74(2), pages 187-194, January.
    70. Maier, Andreas, 2010. "Immobilienverzehrprodukte: Potenzielle Profiteure und Nachfragehemmnisse," Thuenen-Series of Applied Economic Theory 115, University of Rostock, Institute of Economics.
    71. Duval, Romain & Furceri, Davide & Tovar Jalles, João, 2022. "Labor and product market reforms and external Imbalances: Evidence from advanced economies," Journal of International Money and Finance, Elsevier, vol. 121(C).
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    73. Tullio Jappelli & Luigi Pistaferri, 2000. "The dynamics of household wealth accumulation in Italy," Fiscal Studies, Institute for Fiscal Studies, vol. 21(2), pages 269-295, June.
    74. Sule Alan, 2004. "Precautionary Wealth and Portfolio Allocation: Evidence from Canadian Microdata," Social and Economic Dimensions of an Aging Population Research Papers 117, McMaster University.
    75. Clovis Kerdrain & Isabell Koske & Isabelle Wanner, 2010. "The Impact of Structural Policies on Saving, Investment and Current Accounts," OECD Economics Department Working Papers 815, OECD Publishing.
    76. Willem Vanlaer & Samantha Bielen & Wim Marneffe, 2020. "Consumer Confidence and Household Saving Behaviors: A Cross-Country Empirical Analysis," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 147(2), pages 677-721, January.
    77. Klemm, Marcus, 2012. "Job Security Perceptions and the Saving Behavior of German Households," Ruhr Economic Papers 380, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    78. Suh, Ellie, 2022. "Can't save or won't save: financial resilience and discretionary retirement saving among British adults in their thirties and forties," LSE Research Online Documents on Economics 110492, London School of Economics and Political Science, LSE Library.
    79. Nathaniel Hendren, 2017. "Knowledge of Future Job Loss and Implications for Unemployment Insurance," American Economic Review, American Economic Association, vol. 107(7), pages 1778-1823, July.
    80. Korom, Philipp, 2017. "Ungleiche Mittelschichten: Über Unterschiede im Immobilienvermögen und im Erbe innerhalb der Mitte Deutschlands," MPIfG Discussion Paper 17/14, Max Planck Institute for the Study of Societies.
    81. Jensen, Farrell E. & Pope, Rulon D., 2004. "Agricultural Precautionary Wealth," Journal of Agricultural and Resource Economics, Western Agricultural Economics Association, vol. 29(01), pages 1-14, April.
    82. Dedah, Cheikhna O. & Mishra, Ashok K., 2009. "Permanent Income and the Importance of Precautionary Savings: An Instrumental Variable Approach," 2009 Annual Meeting, July 26-28, 2009, Milwaukee, Wisconsin 49522, Agricultural and Applied Economics Association.
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    84. Luc Arrondel & Frédérique Savignac, 2009. "Stockholding: Does housing wealth matter?," Working papers 266, Banque de France.
    85. Ulrich Gunter & Egon Smeral, 2016. "The decline of tourism income elasticities in a global context," Tourism Economics, , vol. 22(3), pages 466-483, June.
    86. de Grazia, Charles A.W. & Giczy, Alexander V. & Pairolero, Nicholas A., 2024. "Procrastination or incomplete data? An analysis of USPTO examiner search activity," Research Policy, Elsevier, vol. 53(7).
    87. Bessho, Shun-ichiro & Tobita, Eiko, 2008. "Unemployment risk and buffer-stock saving: An empirical investigation in Japan," Japan and the World Economy, Elsevier, vol. 20(3), pages 303-325, August.
    88. Essig, Lothar, 2004. "Precautionary saving and old-age provisions: Do subjective saving motives measures work?," Sonderforschungsbereich 504 Publications 05-22, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.

  56. Rob Alessie & Annamaria Lusardi & Trea Aldershof, 1997. "Income And Wealth Over The Life Cycle Evidence From Panel Data," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 43(1), pages 1-32, March.

    Cited by:

    1. Kapteyn, Arie & Alessie, Rob & Lusardi, Annamaria, 1999. "Explaining the wealth holdings of different cohorts : productivity growth and social security," Serie Research Memoranda 0038, VU University Amsterdam, Faculty of Economics, Business Administration and Econometrics.
    2. Rob Alessie & Agar Brugiavini & Guglielmo Weber, 2005. "Saving and Cohabitation: The Economic Consequences of Living with One's Parents in Italy and the Netherlands," NBER Working Papers 11079, National Bureau of Economic Research, Inc.
    3. van Rooij, Maarten & Lusardi, Annamaria & Alessie, Rob J. M., 2007. "Financial literacy and stock market participation," CFS Working Paper Series 2007/27, Center for Financial Studies (CFS).
    4. Hugo Benitez-Silva, 2000. "A Dynamic Model Of Labor Supply, Consumption/Saving, And Annuity Decisions Under Uncertainty," Computing in Economics and Finance 2000 128, Society for Computational Economics.
    5. Jim Been & Susann Rohwedder & Michael Hurd, 2020. "Does Home Production Replace Consumption Spending? Evidence from Shocks in Housing Wealth in the Great Recession," The Review of Economics and Statistics, MIT Press, vol. 102(1), pages 113-128, March.
    6. Emrehan Aktuğ & Tolga Umut Kuzubaş & Orhan Torul, 2021. "Heterogeneity in labor income profiles: evidence from Turkey," Empirical Economics, Springer, vol. 60(5), pages 2557-2587, May.
    7. Das, Marcel & van Soest, Arthur, 1999. "A panel data model for subjective information on household income growth," Journal of Economic Behavior & Organization, Elsevier, vol. 40(4), pages 409-426, December.
    8. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    9. Emrehan Aktug & Tolga Umut Kuzubas & Orhan Torul, 2017. "An Investigation of Labor Income Profiles in Turkey," Working Papers 2017/04, Bogazici University, Department of Economics.
    10. Arthur Kennickell & Annamaria Lusardi, 2004. "Disentangling the Importance of the Precautionary Saving Mode," NBER Working Papers 10888, National Bureau of Economic Research, Inc.
    11. Alessie, Rob & Lusardi, Annamaria & Kapteyn, Arie, 1999. "Saving after retirement: evidence from three different surveys," Labour Economics, Elsevier, vol. 6(2), pages 277-310, June.
    12. Frank van Erp & Paul de Hek, 2009. "Analyzing labour supply of elderly people: a life-cycle approach," CPB Document 179, CPB Netherlands Bureau for Economic Policy Analysis.
    13. Canova, Luigina & Rattazzi, Anna Maria Manganelli & Webley, Paul, 2005. "The hierarchical structure of saving motives," Journal of Economic Psychology, Elsevier, vol. 26(1), pages 21-34, February.
    14. Alessie, R.J.M. & Kapteyn, A. & Klijn, F.E., 1997. "Mandatory pensions and personal savings in The Netherlands," Discussion Paper 1997-39, Tilburg University, Center for Economic Research.
    15. Johannes Geyer, 2011. "The Effect of Health and Employment Risks on Precautionary Savings," Discussion Papers of DIW Berlin 1167, DIW Berlin, German Institute for Economic Research.
    16. Le Blanc, Julia & Porpiglia, Alessandro & Teppa, Federica & Zhu, Junyi & Ziegelmeyer, Michael, 2014. "Household saving behavior and credit constraints in the Euro area," Discussion Papers 16/2014, Deutsche Bundesbank.
    17. Mauro Mastrogiacomo, 2010. "Testing Consumers' Asymmetric Perception Of Changes In Household Financial Situation," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 56(2), pages 327-350, June.
    18. Rui Yao & Jing Xiao & Li Liao, 2015. "Effects of Age on Saving Motives of Chinese Urban Consumers," Journal of Family and Economic Issues, Springer, vol. 36(2), pages 224-238, June.
    19. Aleksandra Kolasa, 2017. "Life Cycle Income and Consumption Patterns in Poland," Central European Journal of Economic Modelling and Econometrics, Central European Journal of Economic Modelling and Econometrics, vol. 9(2), pages 137-172, June.
    20. Christina Behrendt, 2000. "Is There Income Poverty in Western Europe? Methodological Pitfalls in the Measurement of Poverty in a Comparative Perspective," LIS Working papers 258, LIS Cross-National Data Center in Luxembourg.
    21. Nicole Kapelle & Carla Rowold, 2025. "Uncovering what matters: Family life-course aspects and personal wealth in late working age," Demographic Research, Max Planck Institute for Demographic Research, Rostock, Germany, vol. 52(22), pages 689-740.
    22. Amira Osman & Katrina M. Walsemann, 2017. "Ethnic Disparities in the Onset and Progression of Functional Limitations Among Israeli Middle-Aged and Older Adults: Socioeconomic and Health-Related Pathways," The Journals of Gerontology: Series B, The Gerontological Society of America, vol. 72(1), pages 140-150.
    23. Peng Xu & Junfeng Jiang, 2020. "Individual Capital Structure and Health Behaviors among Chinese Middle-Aged and Older Adults: A Cross-Sectional Analysis Using Bourdieu’s Theory of Capitals," IJERPH, MDPI, vol. 17(20), pages 1-18, October.
    24. Kochaniak Katarzyna, 2016. "Low Interest Rates do they Revise Household Saving Motives in the Euro Area?," Financial Internet Quarterly (formerly e-Finanse), Paradigm, vol. 12(1), pages 43-56.
    25. Katarzyna Kochaniak, 2016. "Low interest rates - do they revise household saving motives in the Euro area?," "e-Finanse", University of Information Technology and Management, Institute of Financial Research and Analysis, vol. 12(1), pages 43-56, June.
    26. Hilke Brockmann, 2010. "Why are Middle-Aged People so Depressed? Evidence from West Germany," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 97(1), pages 23-42, May.
    27. Karen E. Dynan & Jonathan Skinner & Stephen P. Zeldes, 2004. "Do the Rich Save More?," Journal of Political Economy, University of Chicago Press, vol. 112(2), pages 397-444, April.
    28. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    29. Katchova, Ani L., 2006. "The Economic Well-Being of Farm and Nonfarm Households: Evidence from Two National Surveys," 2006 Annual meeting, July 23-26, Long Beach, CA 21401, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
    30. Annamaria Lusardi & Ricardo Daniel Cossa & Erin L. Krupka, 2001. "Savings of Young Parents," JCPR Working Papers 229, Northwestern University/University of Chicago Joint Center for Poverty Research.
    31. Hugo Benitez-Silva, 2000. "A Joint Model of Labor Supply and Consumption Decisions Under Uncertainty," Econometric Society World Congress 2000 Contributed Papers 0196, Econometric Society.
    32. Aleksandra Kolasa, 2012. "Life Cycle Income and Consumption Patterns in Transition," Working Papers 2012-17, Faculty of Economic Sciences, University of Warsaw.
    33. Tran, My & Gannon, Brenda & Rose, Christiern, 2023. "The effect of housing wealth on older adults’ health care utilization: Evidence from fluctuations in the U.S. housing market," Journal of Health Economics, Elsevier, vol. 88(C).
    34. Aleksandra Urbaniec, 2012. "Life cycle income and consumption patterns in transition," EcoMod2012 4457, EcoMod.
    35. Hilke Brockmann, 2009. "Why Are Middle-Aged People so Depressed?: Evidence from West Germany," SOEPpapers on Multidisciplinary Panel Data Research 233, DIW Berlin, The German Socio-Economic Panel (SOEP).
    36. Hai, Xia & Wang, Qiang, 2024. "Does capital bring health? Evidence from family capital and older people," Finance Research Letters, Elsevier, vol. 62(PB).
    37. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    38. Donkers, Bas & van Soest, Arthur, 1999. "Subjective measures of household preferences and financial decisions," Journal of Economic Psychology, Elsevier, vol. 20(6), pages 613-642, December.
    39. Hugo Benítez-Silva, 2003. "The Annuity Puzzle Revisited," Working Papers wp055, University of Michigan, Michigan Retirement Research Center.
    40. Nicole Kapelle & Sergi Vidal, 2022. "Heterogeneity in Family Life Course Patterns and Intra-Cohort Wealth Disparities in Late Working Age," European Journal of Population, Springer;European Association for Population Studies, vol. 38(1), pages 59-92, March.

  57. Alessie, Rob & Lusardi, Annamaria, 1997. "Saving and income smoothing: Evidence from panel data," European Economic Review, Elsevier, vol. 41(7), pages 1251-1279, July.

    Cited by:

    1. Paul Frijters & John P. Haisken-DeNew & Michael Shields, 2003. "How Well Do Individuals Predict Their Future Life Satisfaction? Rationality and Learning Following a Nationwide Exogenous Shock," CEPR Discussion Papers 468, Centre for Economic Policy Research, Research School of Economics, Australian National University.
    2. STOLOWY, Herve & BRETON, Gaetan, 2000. "A framework for the classification of accounts manipulations," HEC Research Papers Series 708, HEC Paris.
    3. Hugo Benitez-Silva, 2000. "A Dynamic Model Of Labor Supply, Consumption/Saving, And Annuity Decisions Under Uncertainty," Computing in Economics and Finance 2000 128, Society for Computational Economics.
    4. Nalewaik, Jeremy J., 2006. "Current consumption and future income growth: Synthetic panel evidence," Journal of Monetary Economics, Elsevier, vol. 53(8), pages 2239-2266, November.
    5. Nicholas S. Souleles, 2001. "Consumer Sentiment: Its Rationality and Usefulness in Forecasting Expenditure - Evidence from the Michigan Micro Data," NBER Working Papers 8410, National Bureau of Economic Research, Inc.
    6. Das, J.W.M. & van Soest, A.H.O., 2000. "Expected Versus Realized Income Changes : A Test of the Rational Expectation Hypothesis," Other publications TiSEM 5824ad03-4ec3-4825-829c-9, Tilburg University, School of Economics and Management.
    7. Arns, Jürgen & Bhattacharya, Kaushik, 2005. "Modelling Aggregate Consumption Growth with Time-Varying Parameters," Bonn Econ Discussion Papers 15/2005, University of Bonn, Bonn Graduate School of Economics (BGSE).
    8. Das, Marcel & van Soest, Arthur, 1999. "A panel data model for subjective information on household income growth," Journal of Economic Behavior & Organization, Elsevier, vol. 40(4), pages 409-426, December.
    9. Notten, Geranda & Neubourg, Chris de, 2007. "Managing risks: what Russian households do to smooth consumption?," MPRA Paper 4670, University Library of Munich, Germany.
    10. Hyytinen, Ari & Putkuri, Hanna, 2012. "Household optimism and borrowing," Bank of Finland Research Discussion Papers 21/2012, Bank of Finland.
    11. Alessandra Guariglia & Mariacristina Rossi, 2003. "Private Medical Insurance and Saving: Evidence from the British Household Panel Survey," CEIS Research Paper 39, Tor Vergata University, CEIS.
    12. Dr Martin Weale & Dr. James Mitchell, 2007. "The Rationality and Reliability of Expectations Reported by British Households: Micro Evidence from the British Household Panel Survey," National Institute of Economic and Social Research (NIESR) Discussion Papers 287, National Institute of Economic and Social Research.
    13. Gerhard, Patrick & Gladstone, Joe J. & Hoffmann, Arvid O.I., 2018. "Psychological characteristics and household savings behavior: The importance of accounting for latent heterogeneity," Journal of Economic Behavior & Organization, Elsevier, vol. 148(C), pages 66-82.
    14. Frijters, Paul & de New, John & Shields, Michael A., 2002. "Individual Rationality and Learning: Welfare Expectations in East Germany Post-Reunification," IZA Discussion Papers 498, IZA Network @ LISER.
    15. R Alessie & A Kapteyn, 2001. "New data for understanding saving," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 17(1), pages 55-69, Spring.
    16. Alessandra Guariglia & Sheri Markose, 2000. "Voluntary Contributions to Personal Pension Plans: Evidence from the British Household Panel Survey," Fiscal Studies, Institute for Fiscal Studies, vol. 21(4), pages 469-488, December.
    17. Alessandra Guariglia & Byung‐Yeon Kim, 2003. "Wage arrears uncertainty and precautionary saving in Russia," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 11(3), pages 493-512, September.
    18. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    19. Ari Hyytinen & Hanna Putkuri, 2018. "Household Optimism and Overborrowing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(1), pages 55-76, February.
    20. Richard Blundell & Luigi Pistaferri & Ian Preston, 2004. "Imputing consumption in the PSID using food demand estimates from the CEX," IFS Working Papers W04/27, Institute for Fiscal Studies.
    21. Bilgili, Faik, 2006. "Random walk, excess smoothness or excess sensitivity? Evidence from literature and an application for Turkish economy," MPRA Paper 24086, University Library of Munich, Germany, revised 14 Jul 2010.
    22. Hugo Benitez-Silva, 2000. "A Joint Model of Labor Supply and Consumption Decisions Under Uncertainty," Econometric Society World Congress 2000 Contributed Papers 0196, Econometric Society.
    23. Orazio Attanasio & Britta Augsburg, 2016. "Subjective Expectations and Income Processes in Rural India," Economica, London School of Economics and Political Science, vol. 83(331), pages 416-442, July.
    24. Levenko, Natalia, 2020. "Perceived uncertainty as a key driver of household saving," International Review of Economics & Finance, Elsevier, vol. 65(C), pages 126-145.
    25. Xuepin Wu & Jiru Han, 2021. "Psychological Needs, Physiological Needs and Regional Comparison Effects," Sustainability, MDPI, vol. 13(16), pages 1-21, August.
    26. Yu, Ge, 2003. "Comparing Expectations and Outcomes: Application to UK Data," MPRA Paper 502, University Library of Munich, Germany, revised 2005.
    27. Sayema H. Bidisha, 2008. "Saving Behaviour of the Immigrants and Ethnic Minorities in the UK: Evidence from Panel Data," Discussion Papers 08/08, University of Nottingham, School of Economics.
    28. Schunk Daniel, 2009. "What Determines Household Saving Behavior: An Examination of Saving Motives and Saving Decisions 06.01.2009," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 229(4), pages 467-491, August.
    29. Kuzina Olga & Roshchina Yana, 2000. "Modelling the Saving Behavior of Households in Russia," EERC Working Paper Series 98-041e, EERC Research Network, Russia and CIS.
    30. John A. James & Michael G. Palumbo & Mark Thomas, 1999. "Consumption smoothing among working-class American families before social insurance," Finance and Economics Discussion Series 1999-24, Board of Governors of the Federal Reserve System (U.S.).
    31. Hugo Benítez-Silva, 2003. "The Annuity Puzzle Revisited," Working Papers wp055, University of Michigan, Michigan Retirement Research Center.
    32. Hans G. Bloemen, 2002. "The relation between wealth and labour market transitions: an empirical study for the Netherlands," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 17(3), pages 249-268.

  58. Martin Browning & Annamaria Lusardi, 1996. "Household Saving: Micro Theories and Micro Facts," Journal of Economic Literature, American Economic Association, vol. 34(4), pages 1797-1855, December.
    See citations under working paper version above.
  59. Lusardi, Annamaria, 1996. "Permanent Income, Current Income, and Consumption: Evidence from Two Panel Data Sets," Journal of Business & Economic Statistics, American Statistical Association, vol. 14(1), pages 81-90, January.

    Cited by:

    1. Vellekoop, Nathanael, 2018. "Explaining intra-monthly consumption patterns: The timing of income or the timing of consumption commitments?," SAFE Working Paper Series 237, Leibniz Institute for Financial Research SAFE.
    2. Orazio P. Attanasio, 1998. "Consumption Demand," NBER Working Papers 6466, National Bureau of Economic Research, Inc.
    3. Gelman, Michael, 2021. "What drives heterogeneity in the marginal propensity to consume? Temporary shocks vs persistent characteristics," Journal of Monetary Economics, Elsevier, vol. 117(C), pages 521-542.
    4. Martin Browning & Thomas F. Crossley & Guglielmo Weber, 2002. "Asking Consumption Questions in General Purpose Surveys," Social and Economic Dimensions of an Aging Population Research Papers 77, McMaster University.
    5. Jan Tin, 2000. "Life-cycle hypothesis, propensities to save, and demand for financial assets," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 24(2), pages 110-121, June.
    6. Nicholas S. Souleles, 2001. "Consumer Sentiment: Its Rationality and Usefulness in Forecasting Expenditure - Evidence from the Michigan Micro Data," NBER Working Papers 8410, National Bureau of Economic Research, Inc.
    7. Christine L. Dobridge, 2018. "High‐Cost Credit and Consumption Smoothing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(2-3), pages 407-433, March.
    8. Katja Landau & Stephan Klasen & Walter Zucchini, 2012. "Measuring Vulnerability to Poverty Using Long-Term Panel Data," SOEPpapers on Multidisciplinary Panel Data Research 481, DIW Berlin, The German Socio-Economic Panel (SOEP).
    9. Bank for International Settlements, 2009. "Household debt: implications for monetary policy and financial stability," BIS Papers, Bank for International Settlements, number 46.
    10. Daniel Lewis & Davide Melcangi & Laura Pilossoph, 2024. "Latent heterogeneity in the marginal propensity to consume," CeMMAP working papers 13/24, Institute for Fiscal Studies.
    11. Jonathan A. Parker & Jake Schild & Laura Erhard & David Johnson, 2022. "Economic Impact Payments and Household Spending During the Pandemic," NBER Working Papers 30596, National Bureau of Economic Research, Inc.
    12. Nicholas S. Souleles & Jonathan A. Parker & David S. Johnson, 2006. "Household Expenditure and the Income Tax Rebates of 2001," American Economic Review, American Economic Association, vol. 96(5), pages 1589-1610, December.
    13. Hurst, Erik & Kennickell, Arthur & Lusardi, Annamaria & Torralba, Francisco, 2006. "Precautionary savings and the importance of business owners," CFS Working Paper Series 2006/16, Center for Financial Studies (CFS).
    14. Rossi, Barbara & Inoue, Atsushi & Anderson, Emily, 2013. "Heterogeneous Consumers and Fiscal Policy Shocks," CEPR Discussion Papers 9631, Centre for Economic Policy Research.
    15. Fisher, Jonathan D. & Johnson, David S. & Smeeding, Timothy M. & Thompson, Jeffrey P., 2020. "Estimating the marginal propensity to consume using the distributions of income, consumption, and wealth," Journal of Macroeconomics, Elsevier, vol. 65(C).
    16. Artem Kuriksha, 2021. "An Economy of Neural Networks: Learning from Heterogeneous Experiences," Papers 2110.11582, arXiv.org.
    17. Elbers, Chris & Lanjouw, Jean O. & Lanjouw, Peter, 2002. "Micro-level estimation of welfare," Policy Research Working Paper Series 2911, The World Bank.
    18. Susan Dynarski & Jonathan Gruber, 1997. "Can Families Smooth Variable Earnings?," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 28(1), pages 229-303.
    19. Luigi Pistaferri & Tullio Jappelli, 1998. "Using Subjective Income Expectations to Test for Excess Sensitivity of Consumption to Predicted Income Growth," CSEF Working Papers 12, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    20. Parker, J.A., 1997. "The Reaction of Household Consumption to Predictable Changes in Payroll Tax Rates," Working papers 9724, Wisconsin Madison - Social Systems.
    21. Campbell, Jeffrey R. & Hercowitz, Zvi, 2009. "Liquidity Constraints of the Middle Class," Foerder Institute for Economic Research Working Papers 275732, Tel-Aviv University > Foerder Institute for Economic Research.
    22. Surico, Paolo & Misra, Kanishka, 2011. "Heterogeneous Responses and Aggregate Impact of the 2001 Income Tax Rebates," CEPR Discussion Papers 8306, Centre for Economic Policy Research.
    23. Postlewaite, Andrew & Krueger, Dirk & Hai, Rong, 2013. "On the Welfare Cost of Consumption Fluctuations in the Presence of Memorable Goods," CEPR Discussion Papers 9623, Centre for Economic Policy Research.
    24. Sena Durguner, 2018. "Variations in farm consumption and their relationship to income: an empirical investigation of Illinois farm households," Applied Economics, Taylor & Francis Journals, vol. 50(9), pages 990-1005, February.
    25. Harald Uhlig & Martin Lettau, 1999. "Rules of Thumb versus Dynamic Programming," American Economic Review, American Economic Association, vol. 89(1), pages 148-174, March.
    26. George-Marios Angeletos & David Laibson & Andrea Repetto & Jeremy Tobacman & Stephen Weinberg, 2001. "The Hyberbolic Consumption Model: Calibration, Simulation, and Empirical Evaluation," Journal of Economic Perspectives, American Economic Association, vol. 15(3), pages 47-68, Summer.
    27. Kelley, Clare & Lanot, Gauthier, "undated". "Consumption Patterns Over Pay Periods," Economic Research Papers 269469, University of Warwick - Department of Economics.
    28. Christopher D. Carroll, 2000. "Requiem for the Representative Consumer? Aggregate Implications of Microeconomic Consumption Behavior," American Economic Review, American Economic Association, vol. 90(2), pages 110-115, May.
    29. Kalwij, A.S., 1996. "Estimating the Economic Return to Schooling on the Basis of Panel Data," Discussion Paper 1996-55, Tilburg University, Center for Economic Research.
    30. Surico, Paolo & Cloyne, James, 2013. "Household Debt and the Dynamic Effects of Income Tax Changes," CEPR Discussion Papers 9649, Centre for Economic Policy Research.
    31. Fabio Araujo & Marcelo Fernandes e João Victor Issler, 2004. "Using Common Features to Construct a Preference-Free Estimator of the Stochastic Discount Factor," Econometric Society 2004 Latin American Meetings 134, Econometric Society.
    32. Thomas Crossley & Peter Levell & Stavros Poupakis, 2020. "Regression with an imputed dependent variable," IFS Working Papers W20/25, Institute for Fiscal Studies.
    33. Essig, Lothar, 2005. "Imputing total expenditures from a non-exhaustive list of items : an empirical assessment using the SAVE data set," Papers 05-21, Sonderforschungsbreich 504.
    34. Tientip Subhanij, 2009. "Household sector and monetary policy implications: Thailand’s recent experience," Working Papers 2009-06, Monetary Policy Group, Bank of Thailand.
    35. Jonathan A. Parker, 2000. "Spendthrift in America? On Two Decades of Decline in the US Saving Rate," NBER Chapters, in: NBER Macroeconomics Annual 1999, Volume 14, pages 317-387, National Bureau of Economic Research, Inc.
    36. Alfaro, Iván & Park, Hoonsuk, 2025. "Firm uncertainty and households: Spending, savings, and risks," Journal of Financial Economics, Elsevier, vol. 172(C).
    37. Cameron LAPOINT & Takashi UNAYAMA, 2020. "Winners, Losers, and Near-Rationality: Heterogeneity in the MPC out of a Large Stimulus Tax Rebate," Discussion papers 20067, Research Institute of Economy, Trade and Industry (RIETI).
    38. Alessandro Bucciol, 2007. "Life-Cycle Models, Economic Puzzles and Temptation Preferences," Giornale degli Economisti, GDE (Giornale degli Economisti e Annali di Economia), Bocconi University, vol. 66(1), pages 115-144, March.
    39. Jonathan Huntley & Valentina Michelangeli, 2011. "Can Tax Rebates Stimulate Consumption Spending in a Life-Cycle Model? (Working Paper 2011-02)," Working Papers 41581, Congressional Budget Office.
    40. Tomas Havranek & Anna Sokolova, 2016. "Do Consumers Really Follow a Rule of Thumb? Three Thousand Estimates from 130 Studies Say “Probably Not”," Working Papers IES 2016/15, Charles University Prague, Faculty of Social Sciences, Institute of Economic Studies, revised Jul 2016.
    41. Rong Hai & Andrew Postlewaite & Dirk Krueger, 2013. "On the Welfare Cost of Consumption Fluctuations in the Presence of Memorable Goods, Second Version," PIER Working Paper Archive 14-012, Penn Institute for Economic Research, Department of Economics, University of Pennsylvania, revised 15 Apr 2014.
    42. Lorenz Kueng, 2015. "Explaining Consumption Excess Sensitivity with Near-Rationality: Evidence from Large Predetermined Payments," NBER Working Papers 21772, National Bureau of Economic Research, Inc.
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    56. Jonathan Fisher & Bradley L. Hardy, 2023. "Money matters: consumption variability across the income distribution," Fiscal Studies, John Wiley & Sons, vol. 44(3), pages 275-298, September.
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    60. Atsushi Inoue & Lutz Kilian & Fatma Burcu Kiraz, 2009. "Do Actions Speak Louder Than Words? Household Expectations of Inflation Based on Micro Consumption Data," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(7), pages 1331-1363, October.
    61. Laure Simon, 2023. "Fiscal Stimulus and Skill Accumulation over the Life Cycle," Staff Working Papers 23-9, Bank of Canada.
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    67. François Gerard & Joana Naritomi, 2021. "Job Displacement Insurance and (the Lack of) Consumption-Smoothing," American Economic Review, American Economic Association, vol. 111(3), pages 899-942, March.
    68. Jaoaqin Alegre & Llorenc Pou, 2008. "Further evidence of excess sensitivity of consumption? Nonseparability among goods and heterogeneity across households," Applied Economics, Taylor & Francis Journals, vol. 40(7), pages 931-948.
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    71. ZHANG, Wei-Bin, 2013. "Habit Formation And Preference Change In A Twosector Growth Model With Elastic Labor Supply," Academica Science Journal, Economica Series, Dimitrie Cantemir University, Faculty of Economical Science, vol. 1(2), pages 3-20, May.
    72. Melvin Stephens Jr., 2003. ""3rd of tha Month": Do Social Security Recipients Smooth Consumption Between Checks?," American Economic Review, American Economic Association, vol. 93(1), pages 406-422, March.
    73. Peter Ganong & Pascal Noel, 2019. "Consumer Spending During Unemployment: Positive and Normative Implications," Working Papers 2019-006, Human Capital and Economic Opportunity Working Group.
    74. Edmund Crawley & Andreas Kuchler, 2020. "Consumption Heterogeneity: Micro Drivers and Macro Implications," Finance and Economics Discussion Series 2020-005, Board of Governors of the Federal Reserve System (U.S.).
    75. Irvine, Ian & Wang, Susheng, 2001. "Saving behavior and wealth accumulation in a pure lifecycle model with income uncertainty," European Economic Review, Elsevier, vol. 45(2), pages 233-258, February.
    76. Campbell, J.R. & Hercowitz, Zvi, 2018. "Liquidity Constraints of the Middle Class (revision of CentER DP 2015-009)," Other publications TiSEM 3ac40903-deab-40a3-9847-1, Tilburg University, School of Economics and Management.
    77. Jonathan A. Parker, 2011. "Consumer Spending and the Economic Stimulus Payments of 2008," 2011 Meeting Papers 254, Society for Economic Dynamics.
    78. Melvin Stephens Jr., 2002. "Paycheck Receipt and the Timing of Consumption," NBER Working Papers 9356, National Bureau of Economic Research, Inc.
    79. Pourya Valizadeh & Travis A Smith, 2020. "How Did The American Recovery and Reinvestment Act Affect the Material Well‐Being of SNAP Participants? A Distributional Approach," Applied Economic Perspectives and Policy, John Wiley & Sons, vol. 42(3), pages 455-476, September.
    80. Tientip Subhanij, 2009. "Household sector and monetary policy implications: Thailand’s recent experience," BIS Papers chapters, in: Bank for International Settlements (ed.), Household debt: implications for monetary policy and financial stability, volume 46, pages 136-161, Bank for International Settlements.
    81. Ziliak, James P., 1998. "Does the choice of consumption measure matter? An application to the permanent-income hypothesis," Journal of Monetary Economics, Elsevier, vol. 41(1), pages 201-216, February.
    82. Shawn Ni, 2007. "Excess Sensitivity in Consumption without Liquidity Constraint: Evidence from Monthly Household Panel Data," Working Papers 0714, Department of Economics, University of Missouri.
    83. Orlando Gomes, 2021. "Hand-to-mouth consumers, rule-of-thumb savers, and optimal control," Journal of Economic Interaction and Coordination, Springer;Society for Economic Science with Heterogeneous Interacting Agents, vol. 16(2), pages 229-263, April.
    84. Stephens, Melvin & Unayama, Takashi, 2012. "The impact of retirement on household consumption in Japan," Journal of the Japanese and International Economies, Elsevier, vol. 26(1), pages 62-83.
    85. Melvin Stephens Jr., 2005. "The Impact of the 1972 Social Security Benefit Increase on Household Consumption," Working Papers wp095, University of Michigan, Michigan Retirement Research Center.
    86. Hu, Yang & Cui, Wei & Zhang, Yongli, 2026. "Effects of superstition on household consumption: Evidence from “zodiac-year” beliefs in China," Emerging Markets Review, Elsevier, vol. 71(C).
    87. Erich Battistin, 2003. "Errors in survey reports of consumption expenditures," IFS Working Papers W03/07, Institute for Fiscal Studies.
    88. Ni, Shawn & Seol, Youn, 2014. "New evidence on excess sensitivity of household consumption," Journal of Monetary Economics, Elsevier, vol. 63(C), pages 80-94.
    89. Nicholas S. Souleles, 1999. "The Response of Household Consumption to Income Tax Refunds," American Economic Review, American Economic Association, vol. 89(4), pages 947-958, September.
    90. Adam Tejs Jørring, 2024. "Financial Sophistication and Consumer Spending," Journal of Finance, American Finance Association, vol. 79(6), pages 3773-3820, December.
    91. Sydney Ludvigson & Christina H. Paxson, 1999. "Approximation Bias in Linearized Euler Equations," NBER Technical Working Papers 0236, National Bureau of Economic Research, Inc.
    92. Güell, Maia & Hu, Luojia, 2004. "Estimating the Probability of Leaving Unemployment Using Uncompleted Spells from Repeated Cross-Section Data," IZA Discussion Papers 1079, IZA Network @ LISER.
    93. Tanveer Ahmed Naveed & David Gordon & Sami Ullah & Mary Zhang, 2021. "The Construction of an Asset Index at Household Level and Measurement of Economic Disparities in Punjab (Pakistan) by using MICS-Micro Data," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 155(1), pages 73-95, May.
    94. Kirill Borissov, 2011. "Growth and Distribution in a Model with Endogenous Time Peferences and Borrowing Constraints," DEGIT Conference Papers c016_073, DEGIT, Dynamics, Economic Growth, and International Trade.
    95. Tomoki Fujii, 2024. "Spatial disaggregation of poverty and disability: application to Tanzania," Empirical Economics, Springer, vol. 66(2), pages 705-734, February.
    96. Norbert Michel & Nazneen Ahmad, 2012. "Consumer response to child tax credit," Empirical Economics, Springer, vol. 43(3), pages 1199-1214, December.
    97. Christine L. Dobridge, 2016. "For Better and for Worse? Effects of Access to High-Cost Consumer Credit," Finance and Economics Discussion Series 2016-056, Board of Governors of the Federal Reserve System (U.S.).
    98. Yu, Ge, 2005. "Excess sensitivity of consumption using micro data in the UK," MPRA Paper 548, University Library of Munich, Germany, revised 2006.
    99. Kathleen W. Johnson & Geng Li, 2010. "The Debt‐Payment‐to‐Income Ratio as an Indicator of Borrowing Constraints: Evidence from Two Household Surveys," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 42(7), pages 1373-1390, October.
    100. Wei-Bin Zhang, 2016. "Population Growth And Preference Change In A Generalized Solow Growth Model With Gender Time Distributions," Oradea Journal of Business and Economics, University of Oradea, Faculty of Economics, vol. 1(2), pages 7-30, September.
    101. Denis Heng Yan Leung & Ken Yamada & Biao Zhang, 2015. "Enriching Surveys with Supplementary Data and its Application to Studying Wage Regression," Scandinavian Journal of Statistics, Danish Society for Theoretical Statistics;Finnish Statistical Society;Norwegian Statistical Association;Swedish Statistical Association, vol. 42(1), pages 155-179, March.
    102. Valizadeh, Pourya & Smith, Travis A., "undated". "How Did the American Recovery and Reinvestment Act (ARRA) Impact the Material Well-being of SNAP Participants? A Distributional Approach," 2017 Annual Meeting, July 30-August 1, Chicago, Illinois 258496, Agricultural and Applied Economics Association.
    103. Kathleen W. Johnson & Geng Li, 2007. "Do high debt payments hinder household consumption smoothing?," Finance and Economics Discussion Series 2007-52, Board of Governors of the Federal Reserve System (U.S.).
    104. Annamaria Lusardi, 2000. "Explaining Why So Many Households Do Not Save," JCPR Working Papers 203, Northwestern University/University of Chicago Joint Center for Poverty Research.
    105. Zhang Wei-Bin, 2013. "Habit Formation and Preference Change with Capital and Renewable Resources," Business Systems Research, Paradigm, vol. 4(2), pages 108-125, December.
    106. Valerie A. Ramey, 2026. "Do Temporary Cash Transfers Stimulate the Macroeconomy? Evidence from Four Case Studies," IMF Economic Review, Palgrave Macmillan;International Monetary Fund, vol. 74(1), pages 1-35, March.

  60. Alessie, Rob & Lusardi, Annamaria & Kapteyn, Arie, 1995. "Saving and wealth holdings of the elderly," Ricerche Economiche, Elsevier, vol. 49(3), pages 293-314, September.
    See citations under working paper version above.

Chapters

  1. Annamaria Lusardi & Olivia S. Mitchell, 2017. "Older Women's Labor Market Attachment, Retirement Planning, and Household Debt," NBER Chapters, in: Women Working Longer: Increased Employment at Older Ages, pages 185-215, National Bureau of Economic Research, Inc.
    See citations under working paper version above.
  2. Annamaria Lusardi, 2014. "Retirement planning and financial literacy," Chapters, in: International Handbook on Ageing and Public Policy, chapter 37, pages 474-490, Edward Elgar Publishing.

    Cited by:

    1. Maya KATENOVA & Sang HOON LEE, 2020. "A comparative study of financial literacy, retirement planning and delinquency in payment: the Kazakhstan case Abstract: Financial knowledge is assumed to help people in making good choices in their financial attitude and behaviour. Financial literac," Eastern Journal of European Studies, Centre for European Studies, Alexandru Ioan Cuza University, vol. 11, pages 273-292, June.
    2. Willows, Gizelle D. & October, Charnè, 2023. "Perceptions of retirement savings: Through the lens of Black amaXhosa women in South Africa," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 90(C).
    3. Shubhra Biswas & Arindam Gupta, 2021. "Impact of Financial Literacy on Household Decision-Making: A Study in the State of West Bengal in India," International Journal of Economics and Financial Issues, International Journal of Economics and Financial Issues, vol. 11(5), pages 104-113.
    4. Levy, Daniel & Snir, Avichai, 2022. "Potterian Economics," MPRA Paper 114032, University Library of Munich, Germany.

  3. Silvia Ardagna & Annamaria Lusardi, 2010. "Explaining International Differences in Entrepreneurship: The Role of Individual Characteristics and Regulatory Constraints," NBER Chapters, in: International Differences in Entrepreneurship, pages 17-62, National Bureau of Economic Research, Inc.
    See citations under working paper version above.

Books

  1. Mitchell, Olivia S. & Lusardi, Annamaria (ed.), 2011. "Financial Literacy: Implications for Retirement Security and the Financial Marketplace," OUP Catalogue, Oxford University Press, number 9780199696819.

    Cited by:

    1. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    2. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    3. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," MPRA Paper 89452, University Library of Munich, Germany.
    4. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Samek & Joanne Yoong, 2014. "Five Steps to Planning Success. Experimental Evidence from U.S. Households," Framed Field Experiments 00434, The Field Experiments Website.
    5. Jeremy Burke & Angela A. Hung, 2015. "Trust and Financial Advice," Working Papers WR-1075, RAND Corporation.
    6. Katja Hanewald & Hazel Bateman & Hanming Fang & Shang Wu, 2019. "Is There a Demand for Reverse Mortgages in China? Evidence from Two Online Surveys," NBER Working Papers 25491, National Bureau of Economic Research, Inc.
    7. Yashasvi Panwar & Dr. Vidya Telang, 2026. "Assessing the Impact of Financial Literacy on Investment Awareness: An Empirical Analysis of Retail Investors," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 13(5), pages 899-915, May.
    8. Hastings, Justine S. & Neilson, Christopher A. & Ramirez, Anely & Zimmerman, Seth D., 2016. "(Un)informed college and major choice: Evidence from linked survey and administrative data," Economics of Education Review, Elsevier, vol. 51(C), pages 136-151.
    9. Avner Ben-Ner & John List & Louis Putterman & Anya Samek, 2015. "Learned Generosity? A Field Experiment with Parents and Their Children," Artefactual Field Experiments 00434, The Field Experiments Website.
    10. Elisabeth Beckmann & Sarah Reiter, 2020. "How financially literate is CESEE? Insights from the OeNB Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q3/20, pages 36-59.
    11. Ning Tang & Andrew Baker & Paula C. Peter, 2015. "Investigating the Disconnect between Financial Knowledge and Behavior: The Role of Parental Influence and Psychological Characteristics in Responsible Financial Behaviors among Young Adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(2), pages 376-406, July.
    12. Feng, Xiangnan & Lu, Bin & Song, Xinyuan & Ma, Shuang, 2019. "Financial literacy and household finances: A Bayesian two-part latent variable modeling approach," Journal of Empirical Finance, Elsevier, vol. 51(C), pages 119-137.
    13. Junhao Liu & Anita Mukherjee, 2021. "Medicaid and long‐term care: The effects of penalizing strategic asset transfers," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 88(1), pages 53-77, March.
    14. Annamaria Lusardi & Pierre-Carl Michaud & Olivia S. Mitchell, 2013. "Optimal Financial Knowledge and Wealth Inequality," NBER Working Papers 18669, National Bureau of Economic Research, Inc.
    15. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.
    16. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Paradigm, vol. 11(2), pages 117-131, October.
    17. Leora Klapper & Annamaria Lusardi, 2020. "Financial literacy and financial resilience: Evidence from around the world," Financial Management, Financial Management Association International, vol. 49(3), pages 589-614, September.
    18. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    19. Klapper, Leora & Panos, Georgios A., 2011. "Financial literacy and retirement planning : the Russian case," Policy Research Working Paper Series 5827, The World Bank.
    20. Annamaria Lusardi & Olivia S. Mitchell, 2017. "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," Quarterly Journal of Finance (QJF), World Scientific Publishing Co. Pte. Ltd., vol. 7(03), pages 1-31, September.
    21. Annamaria Lusardi & Olivia S. Mitchell, 2014. "The Economic Importance of Financial Literacy: Theory and Evidence," Journal of Economic Literature, American Economic Association, vol. 52(1), pages 5-44, March.
    22. Mitchell, O.S. & Piggott, J., 2016. "Workplace-Linked Pensions for an Aging Demographic," Handbook of the Economics of Population Aging, in: Piggott, John & Woodland, Alan (ed.), Handbook of the Economics of Population Aging, edition 1, volume 1, chapter 0, pages 865-904, Elsevier.
    23. Rajat Deb, 2016. "Determinants of Savings in Sukanya Samriddhi Account: Evidence from Tripura," IIM Kozhikode Society & Management Review, , vol. 5(2), pages 120-140, July.
    24. Daliana Luca & Hato Schmeiser & Florian Schreiber, 2023. "Investment guarantees in financial products: an analysis of consumer preferences," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 48(4), pages 906-940, October.
    25. Benítez-Silva, Hugo & Eren, Selçuk & Heiland, Frank & Jiménez-Martín, Sergi, 2015. "How well do individuals predict the selling prices of their homes?," Journal of Housing Economics, Elsevier, vol. 29(C), pages 12-25.
    26. Lin, Chaonan & Hsiao, Yu-Jen & Yeh, Cheng-Yung, 2017. "Financial literacy, financial advisors, and information sources on demand for life insurance," Pacific-Basin Finance Journal, Elsevier, vol. 43(C), pages 218-237.
    27. Glenn Harrison & Karlijn Morsink & Mark Schneider, 2022. "Literacy and the quality of index insurance decisions," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 47(1), pages 66-97, March.
    28. Shen, Chung-Hua & Lin, Shih-Jie & Tang, De-Piao & Hsiao, Yu-Jen, 2016. "The relationship between financial disputes and financial literacy," Pacific-Basin Finance Journal, Elsevier, vol. 36(C), pages 46-65.
    29. Elisabet Ruiz-Dotras & Josep Lladós-Masllorens, 2022. "Entrepreneurial Self-efficacy and Financial and Calculation Skills Can Shape Different Profiles of Venture Intentions," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 31(1), pages 153-183, March.
    30. Gallo, Giovanni & Torricelli, Costanza & van Soest, Arthur, 2018. "Individual heterogeneity and pension choices: Evidence from Italy," Journal of Economic Behavior & Organization, Elsevier, vol. 148(C), pages 260-281.
    31. R. Heru Kristanto HC, 2021. "The Impact of Bank Behavior, Financial Literacy on Investment Decisions, Mediation of Financial Inclusion and Debt Behavior. Study on Working Capital and Investment Debtors at Regional Development Bank Yogyakarta Indonesia," Technium Social Sciences Journal, Technium Science, vol. 23(1), pages 626-635, September.
    32. Marianne Laurin & Derek Messacar & Pierre-Carl Michaud, 2021. "Financial Literacy and the Timing of Tax-Preferred Savings Account Withdrawals," Cahiers de recherche / Working Papers 2106, Chaire de recherche sur les enjeux économiques intergénérationnels / Research Chair in Intergenerational Economics.
    33. Hanson, Thomas A. & Olson, Peter M., 2018. "Financial literacy and family communication patterns," Journal of Behavioral and Experimental Finance, Elsevier, vol. 19(C), pages 64-71.
    34. Christopher Henry & Kim Huynh & Angelika Welte, 2018. "2017 Methods-of-Payment Survey Report," Discussion Papers 18-17, Bank of Canada.
    35. Dimitris Christelis & Dimitris Georgarakos & Tullio Jappelli & Maarten van Rooij, 2016. "Trust in the Central Bank and Inflation Expectations," CSEF Working Papers 458, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    36. Gangwar, Rachna & Singh, Ritvik, 2018. "Analyzing Factors Affecting Financial Literacy and its Impact on Investment Behavior among Adults in India," EconStor Preprints 183168, ZBW - Leibniz Information Centre for Economics.
    37. Shin, Su Hyun & Kim, Kyoung Tae & Seay, Martin, 2020. "Sources of information and portfolio allocation," Journal of Economic Psychology, Elsevier, vol. 76(C).
    38. Bingzheng Chen & Peiyun Deng & Xiaodong Fan, 2022. "Effect of compulsory education on retirement financial outcomes: evidence from China," Scandinavian Journal of Economics, Wiley Blackwell, vol. 124(4), pages 958-989, October.
    39. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2013. "Financial literacy and its consequences: Evidence from Russia during the financial crisis," Journal of Banking & Finance, Elsevier, vol. 37(10), pages 3904-3923.
    40. Suzanne Bartholomae & Mia B. Russell & Bonnie Braun & Teresa McCoy, 2016. "Building Health Insurance Literacy: Evidence from the Smart Choice Health Insurance™ Program," Journal of Family and Economic Issues, Springer, vol. 37(2), pages 140-155, June.
    41. Hackethal, Andreas & Laudenbach, Christine & Meyer, Steffen & Weber, Annika, 2018. "Client involvement in expert advice: Antibiotics in finance?," SAFE Working Paper Series 219, Leibniz Institute for Financial Research SAFE.
    42. Annamaria Lusardi & Carlo de Bassa Scheresberg, 2013. "Financial Literacy and High-Cost Borrowing in the United States," NBER Working Papers 18969, National Bureau of Economic Research, Inc.
    43. JUDrIng Tomas Krizek, CEMS-MIM, LLM & IngDusan Hradil, 2012. "Standard in Financial Literacy for University Students: Methodology and Empirical Evidence," International Journal of Business and Social Research, LAR Center Press, vol. 2(7), pages 21-32, December.
    44. Sergio Longobardi & Margherita Maria Pagliuca & Andrea Regoli, 2018. "Can problem-solving attitudes explain the gender gap in financial literacy? Evidence from Italian students’ data," Quality & Quantity: International Journal of Methodology, Springer, vol. 52(4), pages 1677-1705, July.
    45. Francesco D'Acunto & Thomas Rauter & Christoph Scheuch & Michael Weber & Michael Weber, 2020. "Perceived Precautionary Savings Motives: Evidence from FinTech," CESifo Working Paper Series 8123, CESifo.
    46. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    47. Jiachen Nan, 2021. "The General Financial Education in China: Evidence From Ratio of Undergraduate Financial Education Majors in Universities," Technium Social Sciences Journal, Technium Science, vol. 24(1), pages 302-316, October.
    48. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Retirement Planning in the United States," NBER Working Papers 17108, National Bureau of Economic Research, Inc.
    49. Caliendo, Frank N. & Findley, T. Scott, 2013. "Time inconsistency and retirement planning," Economics Letters, Elsevier, vol. 121(1), pages 30-34.
    50. Amjad Khan Suri & Sonal Purohit, 2017. "An Analysis of Personal Financial Literacy among Expatriates in the United Arab Emirates," Contemporary Review of the Middle East, , vol. 4(3), pages 278-296, September.
    51. Fabio Braggion & Felix von Meyerinck & Nic Schaub & Michael Weber & Michael Weber, 2025. "The Long-Term Effects of Inflation on Inflation Expectations," CESifo Working Paper Series 11679, CESifo.
    52. Anderson, Anders & Baker, Forest & Robinson, David T., 2017. "Precautionary savings, retirement planning and misperceptions of financial literacy," Journal of Financial Economics, Elsevier, vol. 126(2), pages 383-398.
    53. Park, Youngkyun & Banerjee, Sudipto, 2020. "Coworker influence on annuitization decisions: Evidence from defined benefit plans," Journal of Economic Behavior & Organization, Elsevier, vol. 178(C), pages 582-606.
    54. Calcagno, Riccardo & Monticone, Chiara, 2015. "Financial literacy and the demand for financial advice," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 363-380.
    55. Guetlein, Marie-Charlotte & Schleich, Joachim, 2023. "Understanding citizen investment in renewable energy communities," Ecological Economics, Elsevier, vol. 211(C).
    56. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    57. Ryan M. Goodstein, 2014. "Refinancing Trends among Lower Income and Minority Homeowners during the Housing Boom and Bust," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(3), pages 690-723, September.
    58. Teale John, 2015. "Challenges Facing Financial Planners Advising Ageing Clients with Diminished Financial Capacity," Financial Planning Research Journal, Paradigm, vol. 1(1), pages 7-21.
    59. Meta Brown & John Grigsby & Wilbert Van der Klaauw & Jaya Wen & Basit Zafar, 2013. "Financial education and the debt behavior of the young," Staff Reports 634, Federal Reserve Bank of New York.
    60. Shimizutani, Satoshi & Yamada, Hiroyuki, 2020. "Financial literacy of middle-aged and older Individuals: Comparison of Japan and the United States," The Journal of the Economics of Ageing, Elsevier, vol. 16(C).
    61. Hiroko Araki & Juan Nelson Martinez Dahbura, 2021. "The Heterogeneous Relationship Between Financial Education and Investment Behavior in Japan," Keio-IES Discussion Paper Series 2021-018, Institute for Economics Studies, Keio University.
    62. Hurwitz, Abigail & Lahav, Eyal & Mugerman, Yevgeny, 2021. "“Financial less is more”: An experimental study of financial communication," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 94(C).
    63. Peter J. Morgan & Long Q. Trinh, 2019. "Determinants and Impacts of Financial Literacy in Cambodia and Viet Nam," JRFM, MDPI, vol. 12(1), pages 1-24, January.
    64. Elinder, Mikael & Hagen, Johannes & Nordin, Mattias & Säve-Söderbergh, Jenny, 2020. "Who lacks pension knowledge, why and does it matter?," Working Paper Series 2020:24, IFAU - Institute for Evaluation of Labour Market and Education Policy.
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    119. Mahendru, Mandeep & Sharma, Gagan Deep & Pereira, Vijay & Gupta, Mansi & Mundi, Hardeep Singh, 2022. "Is it all about money honey? Analyzing and mapping financial well-being research and identifying future research agenda," Journal of Business Research, Elsevier, vol. 150(C), pages 417-436.
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    124. Isler, Ozan & Rojas, Andres & Dulleck, Uwe, 2022. "Easy to shove, difficult to show: Effect of educative and default nudges on financial self-management," Journal of Behavioral and Experimental Finance, Elsevier, vol. 34(C).
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    Cited by:

    1. Elsa Fornero & Annamaria Lusardi & Chiara Monticone, 2009. "Adequacy of Saving for Old Age in Europe," CeRP Working Papers 87, Center for Research on Pensions and Welfare Policies, Turin (Italy).
    2. Luc Arrondel, 2018. "Financial Literacy and Asset Behaviour: Poor Education and Zero for Conduct?," Comparative Economic Studies, Palgrave Macmillan;Association for Comparative Economic Studies, vol. 60(1), pages 144-160, March.
    3. Angela A. Hung & Joanne K. Yoong, 2010. "Asking for Help Survey And Experimental Evidence on Financial Advice and Behavior Change," Working Papers WR-714-1, RAND Corporation.
    4. H. Kent Baker & Sweta Tomar & Satish Kumar & Deepak Verma, 2021. "Are Indian professional women financially literate and prepared for retirement?," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(4), pages 1416-1441, December.
    5. Panayiotis C. Andreou & Sofia Anyfantaki, 2019. "Financial literacy and its influence on consumers’ internet banking behaviour," Working Papers 275, Bank of Greece.
    6. Luc Arrondel & Loïc Gautier & Aurélie Lemonnier & Laurent Soulat, 2023. "Does the Right to Information on their Pension Introduced by the 2003 Reform Make the French Better Informed and Less Concerned about their Future Pension?," Economie et Statistique / Economics and Statistics, Institut National de la Statistique et des Etudes Economiques (INSEE), issue 538, pages 69-87.
    7. Amitabh Chandra & Courtney Coile & Corina Mommaerts, 2020. "What Can Economics Say About Alzheimer's Disease?," NBER Working Papers 27760, National Bureau of Economic Research, Inc.
    8. Luc Arrondel & Jérôme Coffinet, 2018. "Demand For Stocks in the Crisis: France 2004-2014," PSE Working Papers halshs-01785324, HAL.
    9. Hazel Bateman & Ralph Stevens & Jennifer Alonso Garcia & Eduard Ponds, 2018. "Learning to Value Annuities: The Role of Information and Engagement," ULB Institutional Repository 2013/300030, ULB -- Universite Libre de Bruxelles.
    10. Gutierrez, Tomás & Pagnoncelli, Bernardo & Valladão, Davi & Cifuentes, Arturo, 2019. "Can asset allocation limits determine portfolio risk–return profiles in DC pension schemes?," Insurance: Mathematics and Economics, Elsevier, vol. 86(C), pages 134-144.
    11. Andrey Kudryavtsev & Shosh Shahrabani & Yaniv Azoulay, 2017. "Frequency of Adjusting Asset Allocations in the Life-Cycle Pension Model: When Doing More Is Not Necessarily Better," Bulletin of Applied Economics, Risk Market Journals, vol. 4(1), pages 13-33.
    12. Lazarus, Jeanne, 2016. "The issue of financial literacy: Low finance between risk and morality," economic sociology. perspectives and conversations, Max Planck Institute for the Study of Societies, vol. 17(3), pages 27-34.
    13. Fabio C. Bagliano & Carolina Fugazza & Giovanna Nicodano, 2012. "Optimal life-cycle portfolios for heterogeneous workers," Carlo Alberto Notebooks 266, Collegio Carlo Alberto, revised 2013.
    14. Renata Kovacevic & Mladen Latkovic, 2015. "Risk analysis of the proxy life-cycle investments in the second pillar pension scheme in Croatia," Financial Theory and Practice, Institute of Public Finance, vol. 39(1), pages 31-55.
    15. Andreas Richter & Jörg Schiller & Harris Schlesinger, 2014. "Behavioral insurance: Theory and experiments," Journal of Risk and Uncertainty, Springer, vol. 48(2), pages 85-96, April.
    16. Andreou, Panayiotis C. & Anyfantaki, Sofia, 2021. "Financial literacy and its influence on internet banking behavior," European Management Journal, Elsevier, vol. 39(5), pages 658-674.
    17. Michael Goedde-Menke & Carsten Erner & Michael Oberste, 2017. "Towards more sustainable debt attitudes and behaviors: the importance of basic economic skills," Journal of Business Economics, Springer, vol. 87(5), pages 645-668, July.
    18. Gerhard, Patrick & Gladstone, Joe J. & Hoffmann, Arvid O.I., 2018. "Psychological characteristics and household savings behavior: The importance of accounting for latent heterogeneity," Journal of Economic Behavior & Organization, Elsevier, vol. 148(C), pages 66-82.
    19. Julie Agnew & Lisa Szykman, 2010. "Information Overload and Information Presentation in Financial Decision Making," Chapters, in: Brian Bruce (ed.), Handbook of Behavioral Finance, chapter 2, Edward Elgar Publishing.
    20. Brigitte C. Madrian, 2014. "Applying Insights from Behavioral Economics to Policy Design," Annual Review of Economics, Annual Reviews, vol. 6(1), pages 663-688, August.
    21. Saeed Pahlevan Sharif & Ashraf Sadat Ahadzadeh & Jason James Turner, 2020. "Gender Differences in Financial Literacy and Financial Behaviour Among Young Adults: The Role of Parents and Information Seeking," Journal of Family and Economic Issues, Springer, vol. 41(4), pages 672-690, December.
    22. Luc Arrondel & André Masson, 2017. "Why does household demand for shares decline during the crisis? The French case," Economie et Statistique / Economics and Statistics, Institut National de la Statistique et des Etudes Economiques (INSEE), issue 494-495-4, pages 155-177.
    23. Piera Bello, 2020. "Gender-based price discrimination in the annuity market: Evidence from Chile," IdEP Economic Papers 2002, USI Università della Svizzera italiana.
    24. Luc Arrondel, 2020. "Financial literacy and French behaviour on the stock market," Working Papers halshs-02505320, HAL.
    25. Monika Riedel & Helmut Hofer & Birgit Wögerbauer, 2015. "Determinants for the transition from work into retirement in Europe," IZA Journal of European Labor Studies, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 4(1), pages 1-19, December.

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