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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. 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).
    3. 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.

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

    Cited by:

    1. 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.
    2. 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.
    3. 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.
    4. 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).
    5. Montagnoli, Alberto & Taylor, Karl, 2024. "Who Cares about Investing Responsibly? Attitudes and Financial Decisions," IZA Discussion Papers 16952, IZA Network @ LISER.
    6. 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.
    7. 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.
    8. 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.
    9. 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).
    10. 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.

  3. 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. 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.
    2. 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.
    3. 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.
    4. 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).
    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. 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.
    7. Koomson, Isaac & Churchill, Sefa Awaworyi & Smyth, Russell, 2025. "Financial literacy and clean energy adoption in South Africa," Energy Economics, Elsevier, vol. 151(C).
    8. 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.
    9. 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.
    10. 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.
    11. 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).
    12. 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.
    13. Giulio Cornelli & Leonardo Gambacorta & Livia Pancotto, 2023. "Buy now, pay later: a cross-country analysis," BIS Quarterly Review, Bank for International Settlements, December.
    14. 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.
    15. 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.
    16. 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.
    17. Bairoliya, Neha & McKiernan, Kathleen, 2024. "The welfare costs of misinformation," Journal of Economic Dynamics and Control, Elsevier, vol. 169(C).
    18. 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.
    19. 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).
    20. 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.
    21. 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.
    22. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    23. 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).
    24. 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).
    25. 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).
    26. 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.
    27. 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.
    28. 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.
    29. Borghi, Elisa & Masciandaro, Donato & Papini, Alessia, 2024. "European politicians and financial literacy activism: Does financial (in)stability matter?," Economics Letters, Elsevier, vol. 244(C).
    30. 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).
    31. 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.
    32. Bank for International Settlements, 2024. "Literature review on financial technology and competition for banking services," BCBS Working Papers 43, Bank for International Settlements.
    33. 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.
    34. 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.
    35. Aristei, David & Gallo, Manuela & Minetti, Raoul, 2024. "Financial literacy and borrower discouragement," Economics Letters, Elsevier, vol. 243(C).
    36. 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.
    37. 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.
    38. 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.).
    39. Pablo Cotler, 2025. "Does financial inclusion reduce informal savings? Evidence from Mexico," Working Paper Series Sobre México 2025002, Sobre México. Temas en economía.
    40. Carin van der Cruijsen & Jakob de Haan, 2025. "Payment literacy pays off: higher trust and financial inclusion," Working Papers 831, DNB.
    41. 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.
    42. 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.
    43. 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.
    44. 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).
    45. 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.
    46. 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.
    47. Oberrauch, Luis & Kaiser, Tim, 2024. "Digital Interventions to Increase Financial Knowledge: Evidence from a Pilot RCT," IZA Discussion Papers 16811, IZA Network @ LISER.
    48. 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.
    49. 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.
    50. 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.
    51. 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).
    52. 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.
    53. 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).
    54. 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.
    55. 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).
    56. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    57. 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.
    58. 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.
    59. Bellocchi, Alessandro & Travaglini, Giuseppe, 2024. "Financial literacy, uncertainty and costs of education," Economics Letters, Elsevier, vol. 238(C).
    60. 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.
    61. 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.
    62. Tohar, Gilad & Akron, Sagi, 2025. "Financial literacy cognitions and optimal financial behavior," Finance Research Letters, Elsevier, vol. 83(C).
    63. 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.
    64. Cho Man, 2025. "A Behavioral-Pattern Driven Framework for Research on Financial Consumer Protection," International Review of Financial Consumers, Sciendo, vol. 10(1), pages 19-36.
    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. Jones, Michael & Luu, Truong (Jack) & Samuel, Binny, 2024. "The interdependence of financial literacy and crypto literacy," Economics Letters, Elsevier, vol. 239(C).
    67. 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.
    68. 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, Sciendo, vol. 9(2), pages 29-44.
    69. 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.
    70. Lars Hornuf & David J. Streich & Niklas Töllich, 2025. "Making GenAI Smarter: Evidence from a Portfolio Allocation Experiment," CESifo Working Paper Series 11862, CESifo.
    71. 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.
    72. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.

  4. 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. Filippini, Massimo & Leippold, Markus & Wekhof, Tobias, 2024. "Sustainable finance literacy and the determinants of sustainable investing," Journal of Banking & Finance, Elsevier, vol. 163(C).
    8. 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.
    9. 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.
    10. 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).
    11. 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).
    12. 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.
    13. 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.
    14. Maya Haran Rosen & Orly Sade, 2021. "The Disparate Effect of Nudges on Minority Groups," Bank of Israel Working Papers 2021.21, Bank of Israel.
    15. Tran Huynh, 2023. "Financial Literacy and Mortgage Payment Delinquency?," Jena Economics Research Papers 2023-007, Friedrich-Schiller-University Jena.
    16. 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).
    17. 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.
    18. 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.
    19. Chen, S. & Doerr, S. & Frost, J. & Gambacorta, L. & Shin, H.S., 2023. "The fintech gender gap," Journal of Financial Intermediation, Elsevier, vol. 54(C).
    20. Bello, Piera, 2023. "Gender-based price discrimination in the annuity market: Evidence from Chile," European Economic Review, Elsevier, vol. 151(C).
    21. 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).
    22. Coleman, Winnie & Nautz, Dieter, 2023. "Inflation target credibility in times of high inflation," Economics Letters, Elsevier, vol. 222(C).
    23. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    24. 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).
    25. 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.
    26. Asgeir Danielsson & Rannveig Sigurdardottir & Svava J. Haraldsdottir, 2023. "Participation in supplementary pension savings in Iceland," Economics wp91, Department of Economics, Central bank of Iceland.
    27. 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.
    28. 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.
    29. Galariotis, Emilios & Monne, Jerome, 2023. "Basic debt literacy and debt behavior," International Review of Financial Analysis, Elsevier, vol. 88(C).
    30. 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.
    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. 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.
    33. 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.
    34. Ooi, Elizabeth, 2023. "Culture and confidence in financial knowledge testing," Pacific-Basin Finance Journal, Elsevier, vol. 77(C).
    35. 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).
    36. 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.
    37. 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.
    38. 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.
    39. 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.
    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. 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).
    42. 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).
    43. 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.
    44. 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).
    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. 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.
    48. 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.
    49. 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.
    50. 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).
    51. Hsu, Yuan-Lin, 2022. "Financial advice seeking and behavioral bias," Finance Research Letters, Elsevier, vol. 46(PB).
    52. 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.
    53. 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.

  5. 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. 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.
    5. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim & Sebastian O. Schneider, 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," ECONtribute Discussion Papers Series 229, University of Bonn and University of Cologne, Germany.
    6. Andrew Caplin & Daniel J. Martin, 2020. "Framing, Information, and Welfare," NBER Working Papers 27265, National Bureau of Economic Research, Inc.
    7. Kaiser, Tim & Menkhoff, Lukas, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if so, When?," Rationality and Competition Discussion Paper Series 37, CRC TRR 190 Rationality and Competition.
    8. 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.
    9. 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.
    10. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    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).

  6. 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," Working Papers halshs-03243830, HAL.
    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. 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.

  7. 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. 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.
    2. 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).
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    9. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, Econjournals, vol. 14(4), pages 44-55, July.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. 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".
    15. 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.
    16. 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).
    17. 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).
    18. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    19. 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.
    20. 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).
    21. Tim Kaiser & Lukas Menkhoff, 2022. "Active Learning Improves Financial Education: Experimental Evidence from Uganda," CESifo Working Paper Series 9661, CESifo.
    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. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    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. Beata Świecka & Paweł Terefenko & Tomasz Wiśniewski & Jingjian Xiao, 2021. "Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland," Sustainability, MDPI, vol. 13(11), pages 1-18, June.
    31. Liu, Jie & Zhang, Jingru & Chen, Zhenshan, 2025. "The effect of stock market manipulation on investor behavioral bias," Journal of Behavioral and Experimental Finance, Elsevier, vol. 47(C).
    32. 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.
    33. 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.
    34. Ni, Junwei & Gao, Yidan, 2025. "Opportunities for higher education for children, financial literacy and household capital," Finance Research Letters, Elsevier, vol. 78(C).
    35. 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.
    36. Kaiser, Tim & Hamdan, Jana & Menkhoff, Lukas & Xu, Yuanwei, 2024. "Scaling up financial education: Evidence from a randomized saturation experiment," VfS Annual Conference 2024 (Berlin): Upcoming Labor Market Challenges 302424, Verein für Socialpolitik / German Economic Association.
    37. Kayla Czar & Aaron Gilbert & Ayesha Scott, 2021. "Life lessons: Leaving home and financial capability of young adults," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 556-579, June.
    38. Andrej Cupák & Pirmin Fessler & Maria Silgoner & Elisabeth Ulbrich, 2021. "Exploring Differences in Financial Literacy Across Countries: The Role of Individual Characteristics and Institutions," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 158(2), pages 409-438, December.
    39. 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.
    40. 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.
    41. 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.
    42. 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.
    43. 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.
    44. Oberrauch, Luis & Kaiser, Tim & Seeber, Günther, 2023. "Measuring economic competence of youth with a short scale," Journal of Economic Psychology, Elsevier, vol. 97(C).
    45. Maria Gaia Soana & Doriana Cucinelli & Beatrice Ronchini, 2025. "Advisors for micro-entrepreneurs: is one as good as another in accessing alternative finance?," Small Business Economics, Springer, vol. 64(3), pages 989-1033, March.
    46. 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.
    47. Kaiser, Tim & Oberrauch, Luis, 2021. "Economic education at the expense of indoctrination? Evidence from Germany," EconStor Preprints 245801, ZBW - Leibniz Information Centre for Economics.
    48. Carbó-Valverde, Santiago & Cuadros-Solas, Pedro J. & Rodríguez-Fernández, Francisco, 2025. "Cryptocurrency ownership and cognitive biases in perceived financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 45(C).
    49. 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.
    50. Beata Świecka & Patrycja Kowalczyk-Rólczyńska & Sylwia Pieńkowska-Kamieniecka & Jakub Śledziowski & Paweł Terefenko, 2025. "The Influence of Factors in Consumer Sustainable Auto-Enrolment Pensions," Sustainability, MDPI, vol. 17(3), pages 1-22, February.
    51. Hayashi, Fumiko & Routh, Aditi & Toh, Ying Lei, 2024. "Heterogeneous unbanked households: Which types of households are more (or less) likely to open a bank account?," Journal of Economics and Business, Elsevier, vol. 129(C).
    52. 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.
    53. Pitthan, Francisco & De Witte, Kristof, 2025. "How learning about behavioural biases can improve financial literacy?," International Review of Economics & Finance, Elsevier, vol. 99(C).
    54. 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).
    55. Long She & Ratneswary Rasiah & Marc Arul Weissmann & Harpaljit Kaur, 2024. "Using the Theory of Planned Behaviour to Explore Predictors of Financial Behaviour Among Working Adults in Malaysia," FIIB Business Review, , vol. 13(1), pages 118-135, January.
    56. Ansari, Yasmeen & Albarrak, Mansour Saleh & Sherfudeen, Noorjahan & Aman, Arfia, 2023. "Examining the relationship between financial literacy and demographic factors and the overconfidence of Saudi investors," Finance Research Letters, Elsevier, vol. 52(C).
    57. Marco Angrisani & Sergio Barrera & Luisa R. Blanco & Salvador Contreras, 2021. "The racial/ethnic gap in financial literacy in the population and by income," Contemporary Economic Policy, Western Economic Association International, vol. 39(3), pages 524-536, July.
    58. Tran Huynh, 2023. "Financial Literacy and Mortgage Payment Delinquency?," Jena Economics Research Papers 2023-007, Friedrich-Schiller-University Jena.
    59. 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).
    60. Lu, Xiaomeng & Zhang, Xianjun & Guo, Jiaojiao & Yue, Pengpeng, 2024. "Digital finance era: Will individual investors become better players?," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 91(C).
    61. Huang, Bin & Wang, Bin & Chen, Zixuan, 2024. "Individual investment adaptations to COVID-19 lockdowns," The North American Journal of Economics and Finance, Elsevier, vol. 70(C).
    62. Tatyana Shelovanova & Andrey Sinyakov, 2024. "Financial literacy and responsible financial behaviour of Russian households," Bank of Russia Working Paper Series wps132, Bank of Russia.
    63. d’Astous, Philippe & Gemmo, Irina & Michaud, Pierre-Carl, 2024. "The quality of financial advice: What influences recommendations to clients?," Journal of Banking & Finance, Elsevier, vol. 169(C).
    64. 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).
    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. 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.
    67. Dayong Huang & Lijun Lei & Mengmeng Wang & Yuhang Xing, 2025. "Managerial Overextrapolation: Who and When," Management Science, INFORMS, vol. 71(6), pages 5328-5350, June.
    68. Leonore Riitsalu & Agata Gąsiorowska & W. Fred Raaij & Kai Ruggeri, 2025. "Longitudinal Assessment of Financial Well-Being Across Europe Confirms the Multidimensionality of the Construct," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 178(1), pages 279-303, May.
    69. Maria Jose Roa & Sonia Di Giannatale & Alejandra Villegas & Jonathan Barboza, 2023. "Are women more financially vulnerable than men? A tale of missed economic opportunities from Latin America," Development Policy Review, Overseas Development Institute, vol. 41(6), November.
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    71. Karikari Amoa-Gyarteng & Joseph Appiah Coleman & Oyin-Emi Eserifa, 2025. "Financial sustainability and credit risk: evidence from listed banks in Ghana," SN Business & Economics, Springer, vol. 5(7), pages 1-24, July.
    72. 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).
    73. James Alm & Lilith Burgstaller & Arrita Domi & Amanda Marz & Matthias Kasper, 2023. "Nudges, Boosts, And Sludge: Using New Behavioral Approaches To Improve Tax Compliance," Working Papers 2307, Tulane University, Department of Economics.
    74. Gerrans, Paul & Hoffmann, Arvid O.I. & McNair, Simon J. & Pallant, Jason I., 2025. "More than objective knowledge: Exploring heterogeneity in individuals' response to a financial education initiative across multiple financial literacy domains," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    75. Sergey Arzhenovskiy & Sophia Panteeva, 2024. "Household savings through the prism of behavioral characteristics," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), vol. 75, pages 98-116.
    76. Maria Jose Roa & Sonia Di Giannatale & Jonathan Barboza & Juliana Gamboa Arbelaez, 2021. "Inclusive health and life insurance adoption: An empirical study in Guatemala," Review of Development Economics, Wiley Blackwell, vol. 25(2), pages 1053-1077, May.
    77. 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.
    78. 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.
    79. Alejandro Herrera Jimenez & Beatriz Muriel, 2025. "Educación Financiera para la Planificación de la Jubilación: El caso de Productores de Quinua Orgánica Certificada en el Altiplano Sur de Bolivia," Development Research Working Paper Series 05/2025, Institute for Advanced Development Studies.
    80. Xiaomin Li & Muhammad Aamir Khan & Ashley Kuelz & Zuyi Zhao, 2025. "Practicing Money Management Makes Things Better: Healthy Financial Behaviors Attenuates Associations among Insecure Attachment, Economic Abuse Victimization, and Hopelessness," Journal of Family and Economic Issues, Springer, vol. 46(2), pages 508-524, June.
    81. 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.
    82. Franca Glenzer & Pierre-Carl Michaud & Stefan Staubli, 2023. "Frames, Incentives, and Education: Effectiveness of Interventions to Delay Public Pension Claiming," Cahiers de recherche / Working Papers 11, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    83. Ashley Tharayil, 2024. "Examining the Association Between Financial Education and Financial Risk Tolerance," The American Economist, Sage Publications, vol. 69(1), pages 59-79, March.
    84. E. Rebekah & Mohd Afjal, 2025. "Exploring the Mediating Role of FinTech Adoption and Digital Transformation in Enhancing Bank Performance: A TOE Framework Study Using a Hybrid SEM-ANN Approach," SAGE Open, , vol. 15(4), pages 21582440251, October.
    85. Li, Bin & Zhang, Shoufu, 2025. "The effect of financial literacy on agricultural entrepreneurship," Finance Research Letters, Elsevier, vol. 74(C).
    86. Firth, Chris & Stewart, Neil & Antoniou, Constantinos & Leake, David, 2023. "The effects of personality and IQ on portfolio outcomes," Finance Research Letters, Elsevier, vol. 51(C).
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    90. 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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    111. 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.
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    119. Tracey West & Michelle Cull, 2020. "Future Expectations and Financial Satisfaction," Economic Papers, The Economic Society of Australia, vol. 39(4), pages 318-335, December.
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    121. Oberrauch, Luis & Kaiser, Tim, 2024. "Digital Interventions to Increase Financial Knowledge: Evidence from a Pilot RCT," IZA Discussion Papers 16811, IZA Network @ LISER.
    122. Karlan, Dean & Garz, Seth & Gine, Xavier & Mazer, Rafe & Sanford, Caitlin & Zinman, Jonathan, 2020. "Consumer protection for financial inclusion in low and middle income countries: Bridging regulator and academic perspectives," CEPR Discussion Papers 15596, Centre for Economic Policy Research.
    123. Donghoon Lee & Daniel Mangrum & Wilbert Van der Klaauw & Crystal Wang, 2024. "Financial Education and Household Financial Decisions During the Pandemic," Staff Reports 1131, Federal Reserve Bank of New York.
    124. 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.
    125. Yang, Junqi & Geng, Jiang-Bo, 2025. "Dissecting the financial impact of climate risk," Energy Economics, Elsevier, vol. 143(C).
    126. Joana Elisa Maldonado & Kristof De Witte & Koen Declercq, 2022. "The effects of parental involvement in homework: two randomised controlled trials in financial education," Empirical Economics, Springer, vol. 62(3), pages 1439-1464, March.
    127. Sjam, Amelina Apricia, 2025. "Opaque payments, open wallets: The relationship between payment transparency and overspending," Research in Economics, Elsevier, vol. 79(3).
    128. Berger, Lara Marie & Kerkhof, Anna & Mindl, Felix & Münster, Johannes, 2025. "Debunking “fake news” on social media: Immediate and short-term effects of fact-checking and media literacy interventions," Journal of Public Economics, Elsevier, vol. 245(C).
    129. 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).
    130. 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.
    131. Balakina, Olga & Balasubramaniam, Vimal & Dimri, Aditi & Sane, Renuka, 2021. "Unshrouding product-specific attributes through financial education," Working Papers 21/344, National Institute of Public Finance and Policy.
    132. 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).
    133. 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.
    134. 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).
    135. Falk Bräuning & Joanna Stavins, 2025. "The Credit Card Spending Channel of Monetary Policy: Micro Evidence from Account-level Data," Working Papers 25-10, Federal Reserve Bank of Boston.
    136. Isha Chawla & Manouchehr Mokhtari, 2025. "Financial Overconfidence and High-Cost Borrowing: The Moderating Effect of Mobile Payments," FinTech, MDPI, vol. 4(1), pages 1-18, February.
    137. Nina Ashley O. Dela Cruz & Alyssa Cyrielle B. Villanueva & Lovely Tolin & Sabrina Disse & Robert Lensink & Howard White, 2025. "Effects of Interventions to Improve Access to Financial Services for Micro, Small, and Medium‐Sized Enterprises in Low‐ and Middle‐Income Countries: An Evidence and Gap Map," Campbell Systematic Reviews, John Wiley & Sons, vol. 21(3), September.
    138. 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).
    139. Pitthan, Francisco & De Witte, Kristof, 2024. "Do heuristics matter for financial literacy? The impact of better heuristics awareness to financial literacy," Finance Research Letters, Elsevier, vol. 67(PB).
    140. 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.
    141. Agasisti, Tommaso & Barucci, Emilio & Cannistrà, Marta & Marazzina, Daniele & Soncin, Mara, 2023. "Online or on-campus? Analysing the effects of financial education on student knowledge gain," Evaluation and Program Planning, Elsevier, vol. 98(C).
    142. Jeffrey Anvari-Clark & Theda Rose, 2023. "Financial Behavioral Health and Investment Risk Willingness: Implications for the Racial Wealth Gap," IJERPH, MDPI, vol. 20(10), pages 1-29, May.
    143. De Beckker, Kenneth & De Witte, Kristof & Van Campenhout, Geert, 2021. "The effect of financial education on students’ consumer choices: Evidence from a randomized experiment," Journal of Economic Behavior & Organization, Elsevier, vol. 188(C), pages 962-976.
    144. Paraboni, Ana Luiza & da Costa, Newton, 2021. "Improving the level of financial literacy and the influence of the cognitive ability in this process," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 90(C).
    145. Mary C. Gilly & Mary Finley Celsi & Stephanie Dellande & Hope Jensen Schau & Russel Nelson & Chin-May Aradhye, 2025. "Trying not to spend," Journal of the Academy of Marketing Science, Springer, vol. 53(5), pages 1506-1526, September.
    146. 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).
    147. Nikolai Cook, František Bartoš, Pedro R. D. Bom, Sebastian Gechert, Klára Kantová, Jerome Geyer-Klingeberg, Tomáš Havránek, Zuzana Irsova, Martina Luskova, Matěj Opatrný, Franz Prante, Heiko , 2026. "Guidance for the Use of AI in the Meta-Analysis of Economics Research," LCERPA Working Papers jc0161, Laurier Centre for Economic Research and Policy Analysis, revised Mar 2026.
    148. Jing Jian Xiao & Nilton Porto & Irene McIvor Mason, 2020. "Financial capability of student loan holders who are college students, graduates, or dropouts," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(4), pages 1383-1401, December.
    149. 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.
    150. 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.
    151. 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.
    152. Manuel Salas-Velasco, 2024. "Debiasing the availability heuristic in student loan decision-making," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 51(2), pages 501-528, May.
    153. Sebastian Gechert & Bianka Mey & Matej Opatrny & Tomas Havranek & T. D. Stanley & Pedro R. D. Bom & Hristos Doucouliagos & Philipp Heimberger & Zuzana Irsova & Heiko J. Rachinger, 2025. "Conventional wisdom, meta‐analysis, and research revision in economics," Journal of Economic Surveys, Wiley Blackwell, vol. 39(3), pages 980-999, July.
    154. Ingar Haaland & Ole-Andreas Elvik Næss & Ingar K. Haaland, 2023. "Misperceived Returns to Active Investing," CESifo Working Paper Series 10257, CESifo.
    155. Kabirigi, Michel & Hermans, Frans & Sun, Zhanli & Gaidashova, Svetlana V. & McCampbell, Mariette & Adewopo, Julius B. & Schut, Marc, 2024. "Using farm typology to understand banana Xanthomonas wilt management in Rwanda," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, vol. 96(1).
    156. Lara 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," ECONtribute Discussion Papers Series 262, University of Bonn and University of Cologne, Germany.
    157. 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).
    158. Julie Birkenmaier & Brandy R. Maynard & Hannah Shanks & Elizabeth Greer, 2024. "PROTOCOL: Financial coaching for enhancing household finances and health/well‐being: A systematic review and meta‐analysis," Campbell Systematic Reviews, John Wiley & Sons, vol. 20(4), December.
    159. Piza, Caio & Furtado,Isabela & Amorim, Vivian De Fatima, 2023. "Experimental Evaluation of a Financial Education Program in Elementary and Middle School Grades," Policy Research Working Paper Series 10511, The World Bank.
    160. Edelen, Roger M. & Fong, Kingsley Y.L. & Han, Jingyi, 2025. "Regulating inattention in fee-based financial advice," Journal of Financial Economics, Elsevier, vol. 164(C).
    161. Giovanni D’Alessio & Riccardo de Bonis & Andrea Neri & Cristiana Rampazzi, 2020. "Italian people’s financial literacy: the results of the Bank of Italy’s 2020 survey," Questioni di Economia e Finanza (Occasional Papers) 588, Bank of Italy, Economic Research and International Relations Area.
    162. Melanie Koch & Thomas Scheiber, 2022. "Household savings in CESEE: expectations, experiences and common predictors," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue Q1/22, pages 29-54.
    163. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.

  8. 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.

    Cited by:

    1. 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).
    2. DiGiuseppe, Matthew & Del Ponte, Alessandro, 2023. "Bottom-Up Sovereign Debt Preferences," SocArXiv wxr67, Center for Open Science.
    3. 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.
    4. 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.
    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. Michele Cantarella & Ilja Kristian Kavonius, 2024. "Job polarisation and household borrowing," The Journal of Economic Inequality, Springer;Society for the Study of Economic Inequality, vol. 22(4), pages 959-980, December.
    7. 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.
    8. 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.
    9. 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.
    10. Manger, Mark S. & Matthews, J. Scott, 2021. "Knowing when to splurge: Precautionary saving and Chinese-Canadians," Journal of Asian Economics, Elsevier, vol. 76(C).
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. Schnorpfeil, Philip & Weber, Michael & Hackethal, Andreas, 2024. "Households' response to the wealth effects of inflation," Working Paper Series 2904, European Central Bank.
    16. 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.
    17. 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.
    18. 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).
    19. Meyll, Tobias & Pauls, Thomas, 2019. "The gender gap in over-indebtedness," Finance Research Letters, Elsevier, vol. 31(C).
    20. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    21. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    22. 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.
    23. 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.
    24. Mark S. Manger & J. Scott Matthews, 2021. "Knowing When to Splurge: Precautionary Saving and Chinese-Canadians," Papers 2108.00519, arXiv.org.
    25. 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).
    26. 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.
    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. 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).
    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. Achou, Bertrand, 2021. "Housing liquidity and long-term care insurance demand: A quantitative evaluation," Journal of Public Economics, Elsevier, vol. 194(C).
    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. 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, Sciendo, vol. 20(3), pages 289-335, September.
    33. 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).

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

    Cited by:

    1. 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).
    2. Delis, Manthos & Iosifidi, Maria & Pnevmatikos, Lampros & Tsiritakis, Emmanuel, 2023. "Credit negotiations," MPRA Paper 123003, University Library of Munich, Germany, revised 12 Dec 2024.
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    4. Panos, Georgios A. & Wright, Robert E., 2025. "Financial teaching and financial understanding amongst young people," Economics Letters, Elsevier, vol. 251(C).
    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. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    12. 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.
    13. 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.
    14. 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).
    15. 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.
    16. Julia Peter & Jana Schuetz, 2026. "Stereotypes, Financial Literacy, and Confidence: An Information Provision Experiment," CESifo Working Paper Series 12384, CESifo.
    17. 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.
    18. 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).
    19. 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).
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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).
    25. 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.
    26. 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).
    27. 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.
    28. 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.
    29. 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.
    30. 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.
    31. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).
    32. 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).
    33. 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.
    34. 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.
    35. 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.
    36. 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.
    37. 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).
    38. 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.
    39. 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.
    40. 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.
    41. 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.
    42. Flavia Coda Moscarola & Daniela Del Boca & Giovanna Paladino, 2024. "Intergenerational Transmission of Preferences and Parental Behaviours," CESifo Working Paper Series 10902, CESifo.
    43. Agarwal, Sumit & Sing, Tien Foo & Zhang, Xiaoyu, 2024. "Intergenerational bankruptcy risks: Learning from parents’ mistakes," Journal of Financial Intermediation, Elsevier, vol. 59(C).
    44. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    45. 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.
    46. 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.
    47. 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.
    48. 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).
    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. 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.
    51. 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.
    52. 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).
    53. 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.
    54. 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).
    55. 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.
    56. Laura Hospido & Sara Izquierdo & Margarita Machelett, 2021. "The gender gap in financial competences (556 KB)," Economic Bulletin, Banco de España, issue 1/2021.
    57. 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).

  10. 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. 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.
    5. 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.
    6. Mudrazija, Stipica & Butrica, Barbara A., 2023. "How does debt shape health outcomes for older Americans?," Social Science & Medicine, Elsevier, vol. 329(C).
    7. 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).
    8. 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.

  11. 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. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    2. 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).
    3. Carolyn St Aubyn, 2022. "Consumer choices with wealth preferences and separation of consumption and payment," BCAM Working Papers 2201, Birkbeck Centre for Applied Macroeconomics.
    4. 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.
    5. 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.
    6. 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.

  12. 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. 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.
    4. 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.
    5. 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).
    6. Carin van der Cruijsen & Jakob de Haan, 2025. "Payment literacy pays off: higher trust and financial inclusion," Working Papers 831, DNB.
    7. 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.
    8. 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.

  13. 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. 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.
    2. 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.
    3. 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".
    4. 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).
    5. 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.
    6. 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.
    7. 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).
    8. Sergeyev, Dmitriy & Lian, Chen & Gorodnichenko, Yuriy, 2023. "The Economics of Financial Stress," IZA Discussion Papers 16318, IZA Network @ LISER.
    9. 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).
    10. 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.
    11. 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).
    12. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    13. 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).
    14. 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.
    15. 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).
    16. 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).
    17. 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.
    18. Bertola, Giuseppe & Lo Prete, Anna, 2025. "Who prefers guessing to admitting They Don't Know? Measurement error in financial literacy surveys," Journal of Economic Behavior & Organization, Elsevier, vol. 233(C).
    19. 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).
    20. 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).
    21. 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).
    22. 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.

  14. 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.

  15. 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. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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).
    6. 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.
    7. Brenner, Lukas & Meyll, Tobias & Stolper, Oscar & Walter, Andreas, 2020. "Consumer fraud victimization and financial well-being," Journal of Economic Psychology, Elsevier, vol. 76(C).
    8. 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).
    9. 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.
    10. Pitthan, Francisco & De Witte, Kristof, 2025. "How learning about behavioural biases can improve financial literacy?," International Review of Economics & Finance, Elsevier, vol. 99(C).
    11. 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).
    12. David Aristei & Manuela Gallo, 2021. "Financial Knowledge, Confidence, and Sustainable Financial Behavior," Sustainability, MDPI, vol. 13(19), pages 1-21, September.
    13. 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.
    14. 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).
    15. 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).
    16. 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).
    17. 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.
    18. Hagen, Johannes & Malisa, Amedeus, 2022. "Financial fraud and individual investment behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 203(C), pages 593-626.
    19. 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).
    20. 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.
    21. 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.
    22. 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).
    23. 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.
    24. Bruce I. Carlin & Tarik Umar & Hanyi Yi, 2020. "Deputization," NBER Working Papers 27225, National Bureau of Economic Research, Inc.
    25. 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.
    26. 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.
    27. Xiao, Xiao & Li, Xiangyi & Zhou, Yi, 2022. "Financial literacy overconfidence and investment fraud victimization," Economics Letters, Elsevier, vol. 212(C).
    28. Steven James Lee, 2021. "Does Fixed Income Buffer against Fraud Shocks?," JRFM, MDPI, vol. 14(10), pages 1-22, October.

  16. 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. 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.
    3. 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).
    4. 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).
    5. Sheela Sundarasen & Usha Rajagopalan & Izani Ibrahim, 2024. "Financial Sustainability Through Literacy and Retirement Preparedness," Sustainability, MDPI, vol. 16(23), pages 1-20, December.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. Nicolas Bédard & Pierre-Carl Michaud, 2018. "Playing with Fire? Debt near Retirement in Canada," CIRANO Working Papers 2018s-42, CIRANO.
    12. 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.
    13. 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.
    14. 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.
    15. 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).
    16. Gomes, Francisco J. & Haliassos, Michael & Ramadorai, Tarun, 2020. "Household finance," IMFS Working Paper Series 138, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS).
    17. 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).
    18. 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.
    19. 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.
    20. 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.
    21. Robert L. Clark & Annamaria Lusardi & Olivia S. Mitchell, 2020. "Financial Fragility during the COVID-19 Pandemic," NBER Working Papers 28207, National Bureau of Economic Research, Inc.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. Floyd Khoza, 2025. "Mineworkers’ Perspectives Towards Participating in Retirement Planning in South Africa," JRFM, MDPI, vol. 18(1), pages 1-19, January.
    27. 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.
    28. 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).
    29. 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.
    30. 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.
    31. 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.
    32. 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.
    33. 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.
    34. Mahmoudi, Samir Elsadek, 2023. "Late-career unemployment shocks, pension outcomes and unemployment insurance," Journal of Public Economics, Elsevier, vol. 218(C).
    35. 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.
    36. 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.
    37. 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).
    38. Mudrazija, Stipica & Butrica, Barbara A., 2023. "How does debt shape health outcomes for older Americans?," Social Science & Medicine, Elsevier, vol. 329(C).
    39. Angrisani, Marco & Burke, Jeremy & Kapteyn, Arie, 2023. "Cognitive ability, cognitive aging, and debt accumulation," Journal of Banking & Finance, Elsevier, vol. 148(C).
    40. 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).
    41. 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.
    42. 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).
    43. Ma, Xuxia & Liu, Cheng, 2025. "Does digital poverty exacerbate household financial fragility?," International Review of Financial Analysis, Elsevier, vol. 107(C).
    44. 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.
    45. 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.
    46. Lusardi, Annamaria & Mitchell, Olivia S & Oggero, Noemi, 2020. "Understanding Debt in the Older Population," CEPR Discussion Papers 15568, Centre for Economic Policy Research.
    47. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.

  17. 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. 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.
    2. 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.
    3. 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.
    4. 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.
    5. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    6. 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.
    7. 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.

  18. 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. Balakina, Olga & Balasubramaniam, Vimal & Dimri, Aditi & Sane, Renuka, 2026. "Unshrouding product-specific attributes through financial education," Journal of Development Economics, Elsevier, vol. 178(C).
    2. 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.
    3. 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).

  19. 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. 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.
    4. Newall, Philip W.S. & Peacey, Mike W., 2021. "Pension behavior and policy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 29(C).
    5. Kent Daniel & Lorenzo Garlappi & Kairong Xiao, 2018. "Monetary Policy and Reaching for Income," NBER Working Papers 25344, National Bureau of Economic Research, Inc.
    6. Li, Li & Mak, Eric & Pivovarova, Margarita, 2016. "Conspicuous Consumption and Within-Group Income Inequality," MPRA Paper 83338, University Library of Munich, Germany.

  20. 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. 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).
    2. 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).
    3. 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.
    4. 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).
    5. 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).
    6. 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.
    7. 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.
    8. 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.
    9. Nolan, Anne & Doorley, Karina, 2019. "Financial Literacy and Preparation for Retirement," IZA Discussion Papers 12187, IZA Network @ LISER.
    10. 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.
    11. 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.
    12. 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.
    13. Kaiser, Tim & Menkhoff, Lukas, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if so, When?," Rationality and Competition Discussion Paper Series 37, CRC TRR 190 Rationality and Competition.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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).
    28. Rani Mamta & Siwach Manoj, 2023. "Financial Literacy in India: A Review of Literature," Economic and Regional Studies / Studia Ekonomiczne i Regionalne, Sciendo, vol. 16(3), pages 446-458, September.
    29. 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).
    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. 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. 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.
    33. Pierre-Carl Michaud, 2017. "The value of financial literacy and financial education for workers," World of Labour, LISER, pages 400-400, November.

  21. 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. Kaiser, Tim & Menkhoff, Lukas, 2020. "Financial education in schools: A meta-analysis of experimental studies," Economics of Education Review, Elsevier, vol. 78(C).
    2. 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.
    3. John List & Robert Metcalfe, 2014. "Field experiments in the developed world: an introduction," Artefactual Field Experiments 00405, The Field Experiments Website.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. Christian Fieberg & Lars Hornuf & Maximilian Meiler & David J. Streich, 2025. "Using Large Language Models for Financial Advice," CESifo Working Paper Series 11666, CESifo.
    9. Annamaria Lusardi & Anya Savikhin Samek & Arie Kapteyn & Lewis Glinert & Angela Hung & Aileen Heinberg, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," NBER Working Papers 20229, National Bureau of Economic Research, Inc.
    10. 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.
    11. 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).
    12. 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.
    13. 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.
    14. Kaiser, Tim & Menkhoff, Lukas, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if so, When?," Rationality and Competition Discussion Paper Series 37, CRC TRR 190 Rationality and Competition.
    15. 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).
    16. Bruce I. Carlin & Li Jiang & Stephen A. Spiller, 2014. "Learning Millennial-Style," NBER Working Papers 20268, National Bureau of Economic Research, Inc.
    17. 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.
    18. 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.
    19. 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.
    20. 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).
    21. 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.
    22. 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).
    23. 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.

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

    Cited by:

    1. 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.
    2. 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.
    3. 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.
    4. 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).
    5. 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.
    6. 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.
    7. 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.
    8. Samson Adewumi, 2024. "Level of Financial Literacy Skills and Managerial Decision Implication among University Managers," International Review of Management and Marketing, Econjournals, vol. 14(4), pages 1-11, July.
    9. 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.
    10. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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, Econjournals, vol. 11(5), pages 104-113.
    16. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim & Sebastian O. Schneider, 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," ECONtribute Discussion Papers Series 229, University of Bonn and University of Cologne, Germany.
    17. 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.
    18. 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.
    19. 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.
    20. 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).
    21. 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.
    22. 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).
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. 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.
    30. 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.
    31. 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.
    32. 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).
    33. 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.
    34. 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.
    35. 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.
    36. Sonia Buchholtz & Jan Gąska & Marek Góra, 2021. "Myopic Savings Behaviour of Future Polish Pensioners," Risks, MDPI, vol. 9(2), pages 1-19, February.
    37. 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.
    38. 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.
    39. 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.
    40. Floyd Khoza, 2025. "Mineworkers’ Perspectives Towards Participating in Retirement Planning in South Africa," JRFM, MDPI, vol. 18(1), pages 1-19, January.
    41. 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.
    42. 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.
    43. 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.
    44. Luc Arrondel, 2020. "Financial literacy and French behaviour on the stock market," PSE Working Papers halshs-02505320, HAL.
    45. 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.
    46. 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.
    47. 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.
    48. 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.
    49. 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.
    50. 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.
    51. 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).
    52. 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).
    53. 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.
    54. 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.
    55. 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).
    56. 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.
    57. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    58. 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.
    59. 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.
    60. 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).
    61. 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.
    62. Levy, Daniel & Snir, Avichai, 2017. "Potterian Economics," MPRA Paper 76344, University Library of Munich, Germany.
    63. 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).
    64. 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).
    65. 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. Niu, Geng & Zhou, Yang & Gan, Hongwu, 2020. "Financial literacy and retirement preparation in China," Pacific-Basin Finance Journal, Elsevier, vol. 59(C).
    67. 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.
    68. 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.
    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. 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.

  23. 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. Kaiser, Tim & Menkhoff, Lukas, 2020. "Financial education in schools: A meta-analysis of experimental studies," Economics of Education Review, Elsevier, vol. 78(C).
    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. 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.
    5. 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.
    6. Tim Kaiser & Lukas Menkhoff, 2022. "Active Learning Improves Financial Education: Experimental Evidence from Uganda," CESifo Working Paper Series 9661, CESifo.
    7. Kaiser, Tim & Menkhoff, Lukas, 2018. "Active Learning Improves Financial Education:," Rationality and Competition Discussion Paper Series 131, CRC TRR 190 Rationality and Competition.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Manthos Delis & Emilios Galariotis & Jerome Monne, 2021. "Economic condition and financial cognition," Post-Print hal-03091630, HAL.
    14. 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.
    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.
    16. 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.
    17. Elisa Stumpf & Silke Uebelmesser, 2024. "Lifting the Veil of Ignorance – Survey Experiments on Preferences for Wealth Redistribution," CESifo Working Paper Series 11126, CESifo.
    18. 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.
    19. 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.
    20. 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.
    21. Christine Laudenbach & Jenny Pirschel & Stephan Siegel, 2018. "Personal Communication in an Automated World: Evidence from Loan Repayments," CESifo Working Paper Series 7295, CESifo.
    22. Kaiser, Tim & Menkhoff, Lukas, 2017. "Does Financial Education Impact Financial Literacy and Financial Behavior, and if so, When?," Rationality and Competition Discussion Paper Series 37, CRC TRR 190 Rationality and Competition.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    28. 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).
    29. 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.
    30. 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.
    31. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    32. 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.
    33. 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.
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    123. Shobha T.S & P. Amrutha, 2021. "An Exploratory Study on the Factors Affecting Retirement Planning among Working Women in the City of Bengaluru," Indian Journal of Commerce and Management Studies, Educational Research Multimedia & Publications,India, vol. 12(1), pages 01-09, January.
    124. 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.
    125. Preston Morgan & HanNa Lim, 2020. "Depressive Symptom and Financial Conflict Relate Over Time Among Couples," Journal of Family and Economic Issues, Springer, vol. 41(3), pages 391-404, September.
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    128. 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.
    129. 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.
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    131. Fang Zhao & Jie Sun & Raj Devasagayam & Gary Clendenen, 2018. "Effects of culture and financial literacy among Chinese-Americans on participating in financial services," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(1), pages 62-75, March.
    132. 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.
    133. 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.
    134. Nathan Blascak & Anna Tranfaglia, 2023. "Decomposing Gender Differences in Bankcard Credit Limits," Working Papers 23-30, Federal Reserve Bank of Philadelphia.
    135. 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.
    136. 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.
    137. 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.
    138. Kimberly Watkins & Megan McCoy & Kenneth White & Miranda Reiter & Yingyi Liu, 2024. "Exploring the Role of Financial Socialization on Financial Planning Students’ Financial and Career Confidence: A Thematic Analysis," Journal of Family and Economic Issues, Springer, vol. 45(1), pages 106-116, March.
    139. Elise Frølich Furrebøe & Ellen Katrine Nyhus, 2022. "Financial self‐efficacy, financial literacy, and gender: A review," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(2), pages 743-765, June.
    140. Treu, Johannes & Elss, Valerie, 2024. "Finanzielle Bildung in Deutschland: Eine explorative Analyse," IU Discussion Papers - Business & Management 4 (February 2024), IU International University of Applied Sciences.
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    142. 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.
    143. 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.
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    145. LoRiggio, Tessa & Morris, Todd, 2024. "The Gender Wealth Gap near Retirement in Canada," IZA Policy Papers 207, Institute of Labor Economics (IZA).
    146. 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.
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  25. 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.

    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.

  26. 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).

    Cited by:

    1. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    2. 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.
    3. Yingying Zhang & Shu Fang, 2025. "Housing Provident Fund, risk attitude, and household financial investment engagement: an asset-building perspective," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 12(1), pages 1-10, December.
    4. 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).
    5. 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.
    6. Bernd Hayo & Florian Neumeier, 2018. "Households’ Inflation Perceptions and Expectations: Survey Evidence from New Zealand," ifo Working Paper Series 255, ifo Institute - Leibniz Institute for Economic Research at the University of Munich.
    7. Pavlova, Lora, 2024. "Framing effects in consumer expectations surveys," ZEW Discussion Papers 24-036, ZEW - Leibniz Centre for European Economic Research.
    8. David Blake & John Pickles, 2021. "Mental Time Travel and Retirement Savings," JRFM, MDPI, vol. 14(12), pages 1-13, December.
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    30. Arsalan, Muhammad & Siddiqui, Danish Ahmed, 2026. "The effect of Financial Self-Efficacy and Retirement Goal Clarity on Retirement Planning Fulfillment: The Mediating role of Financial Planning Complemented by Social Activity and Risk Perception," EconStor Preprints 341011, ZBW - Leibniz Information Centre for Economics.
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    32. 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.
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    35. Bazley, William J. & Cici, Gjergji & Liao, Junchao, 2025. "Conflicts of interest among affiliated financial advisors in 401(k) plans: Implications for plan participants," CFR Working Papers 25-03, University of Cologne, Centre for Financial Research (CFR).
    36. 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.
    37. Cheng Yuan & Xiaoxiao Wang & Li Lin, 2023. "Why Do Financially Illiterate Students Perceive Lower Education Returns? Evidence From a Survey in Rural China," SAGE Open, , vol. 13(2), pages 21582440231, June.
    38. 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, Sciendo, vol. 10(2), pages 38-52.
    39. 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.
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    41. 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.
    42. 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.
    43. Stoian, Andreea & Vintila, Nicoleta & Iorgulescu, Filip & Cepoi, Cosmin Octavian & Dina Manolache, Aurora, 2021. "How Risk Aversion and Financial Literacy Shape Young Adults’ Investment Preferences," MPRA Paper 109755, University Library of Munich, Germany.
    44. Piotr Bialowolski & Christos A. Makridis & Matt Bradshaw & Dorota Weziak-Bialowolska & Craig Gundersen & Noémie Pertel & Cristina Gibson & Sung Joon Jang & R. Noah Padgett & Byron R. Johnson & Tyler J, 2025. "Analysis of demographic variation and childhood correlates of financial well-being across 22 countries," Nature Human Behaviour, Nature, vol. 9(5), pages 917-932, May.
    45. 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.
    46. Christopher Roth & Johannes Wohlfart, 2020. "How Do Expectations about the Macroeconomy Affect Personal Expectations and Behavior?," The Review of Economics and Statistics, MIT Press, vol. 102(4), pages 731-748, October.
    47. Zhang, Jinhua & Chen, Shuangyu & Goodell, John W. & Du, Anna Min, 2025. "Digital credit and insurance: Improving economic well-being for rural households," International Review of Economics & Finance, Elsevier, vol. 98(C).
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    1120. Ibidapo Samuel Adeniyi & Festus Mobolaji Epetimehin & Solomon O. Onimole & E. M. Ogunjemilua, 2025. "Microfinance Services and Profit Levels of Micro-Enterprises in Southwest Nigeria," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(14), pages 1670-1686, July.
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    1261. Reanos, Miguel Tovar & Curtis, John & Pillai, Arya & Meier, David, 2023. "Fuel poverty and financial literacy: Evidence from Irish home owners," Papers WP751, Economic and Social Research Institute (ESRI).
    1262. 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.
    1263. Morshadul Hasan & Thi Le & Ariful Hoque, 2021. "How does financial literacy impact on inclusive finance?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-23, December.
    1264. Aymen Turki & Nisha Mary Thomas, 2026. "Key factors fuelling digital payment adoption in France: a step toward a cashless society," Eurasian Business Review, Springer;Eurasia Business and Economics Society, vol. 16(1), pages 323-351, March.
    1265. Çağaçan DEĞER & Elif ERER, 2020. "Social Security Membership and Saving: The Turkish Case," Sosyoekonomi Journal, Sosyoekonomi Society, issue 28(43).
    1266. 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.
    1267. Helke Seitz, 2020. "Subgroup Analysis of Investment Constraints: Evidence from Ugandan Microenterprises," Discussion Papers of DIW Berlin 1920, DIW Berlin, German Institute for Economic Research.
    1268. 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.
    1269. Joubert, Clement & Kanth, Priyanka, 2025. "Life Cycle Saving in a High-Informality Setting," IZA Discussion Papers 17876, IZA Network @ LISER.
    1270. Ingar Haaland & Ole-Andreas Elvik Næss & Ingar K. Haaland, 2023. "Misperceived Returns to Active Investing," CESifo Working Paper Series 10257, CESifo.
    1271. 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.
    1272. Jones, Michael & Luu, Truong (Jack) & Samuel, Binny, 2024. "The interdependence of financial literacy and crypto literacy," Economics Letters, Elsevier, vol. 239(C).
    1273. Blake, David & Duffield, Mel & Tonks, Ian & Haig, Alistair & Blower, Dean & MacPhee, Laura, 2022. "Smart defaults: Determining the number of default funds in a pension scheme," The British Accounting Review, Elsevier, vol. 54(4).
    1274. Siddiqi, Umema, 2023. "The Intersection of Financial Literacy, Cognitive Ability, and Numeracy Skills in Pakistani Adults," MPRA Paper 119781, University Library of Munich, Germany.
    1275. Jackson T. Anderson & David M. Harrison & Michael J. Seiler, 2022. "Reducing Strategic Forbearance under the CARES Act: an Experimental Approach Utilizing Recourse Attestation," The Journal of Real Estate Finance and Economics, Springer, vol. 65(2), pages 230-260, August.
    1276. 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).
    1277. Mohamad Hassan Abou Daya & Carole Bernard, 2022. "What matters in the annuitization decision?," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 158(1), pages 1-12, December.
    1278. Afaf Eltahir Mohamed Haroun & Mohd Effandi Bin Yusoff, 2025. "The Interplay of Perceived Social Capital, Financial Inclusion, Financial Literacy, and Micro Takaful in Sudan’s Post-Conflict Economic Rehabilitation," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 9(1), pages 1772-1786, January.
    1279. Yasmeen Ansari & Mansour Saleh Albarrak & Noorjahan Sherfudeen & Arfia Aman, 2022. "A Study of Financial Literacy of Investors—A Bibliometric Analysis," IJFS, MDPI, vol. 10(2), pages 1-16, May.
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    1315. 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.
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    1320. Piza, Caio & Furtado,Isabela & Amorim, Vivian De Fatima, 2023. "Experimental Evaluation of a Financial Education Program in Elementary and Middle School Grades," Policy Research Working Paper Series 10511, The World Bank.
    1321. 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.
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    1323. 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.
    1324. 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.
    1325. Nathan Phelps & Adam Metzler, 2025. "The Effects of Financial Knowledge, Skill, and Self-Assessed Knowledge on Financial Well-Being, Behavior, and Objective Situation," IJFS, MDPI, vol. 13(1), pages 1-19, March.
    1326. 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).
    1327. Florentina Kurniasari & Elissa Dwi Lestari & Hendy Tannady, 2023. "Pursuing Long-Term Business Performance: Investigating the Effects of Financial and Technological Factors on Digital Adoption to Leverage SME Performance and Business Sustainability—Evidence from Indonesian SMEs in the Traditional Market," Sustainability, MDPI, vol. 15(16), pages 1-20, August.
    1328. Giorgia Barboni & Alessandra Cassar & Timothee Demont, 2017. "Financial exclusion in developed countries: a field experiment among migrants and low-income people in Italy," Journal of Behavioral Economics for Policy, Society for the Advancement of Behavioral Economics (SABE), vol. 1(2), pages 39-49, September.
    1329. Us-Salam, Danish & Jose, Anu & Kelly, Jane, 2026. "Caught in the Net: Patterns and Predictors of Fraud Incidence in Ireland," Research Technical Papers 07/RT/26, Central Bank of Ireland.
    1330. Steven James Lee, 2021. "Does Fixed Income Buffer against Fraud Shocks?," JRFM, MDPI, vol. 14(10), pages 1-22, October.
    1331. Bertrand Garbinti & Frédérique Savignac, 2021. "Accounting for Intergenerational Wealth Mobility in France over the 20th Century: Method and Estimations," Working Papers hal-03307377, HAL.
    1332. 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.
    1333. Kimani, Catherine Njeri & Nair, Sulo, 2026. "Microfinance Accessibility and the Growth of Women Entrepreneurs in Lusaka District, Zambia: A Desk Review," African Journal of Commercial Studies, African Journal of Commercial Studies, vol. 7(3).
    1334. Christine Laudenbach & Annika Weber & Johannes Wohlfart, 2021. "Beliefs About the Stock Market and Investment Choices: Evidence from a Field Experiment," ECONtribute Discussion Papers Series 128, University of Bonn and University of Cologne, Germany.
    1335. 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.
    1336. 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.
    1337. 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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    1340. 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.
    1341. 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.
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    1345. 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).
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    1347. Gian-Luca GASPARINI & Aurora PROSPERO, 2019. "ICT and Ethical Finance: Fostering Social Innovation and Financial Inclusion," CIRIEC Working Papers 1911, CIRIEC - Université de Liège.
    1348. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).
    1349. 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.
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    1361. Johny Budiman & Jason Yodiputra & Candy Candy & Isnaini Nuzula Agustin, 2025. "How overconfidence and mental accounting influence investments? The moderating role of financial literacy," Asian Management and Business Review, Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia, vol. 5(1), pages 1-18.

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    Cited by:

    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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).
    6. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    7. Annamaria Lusardi & Anya Savikhin Samek & Arie Kapteyn & Lewis Glinert & Angela Hung & Aileen Heinberg, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," NBER Working Papers 20229, National Bureau of Economic Research, Inc.
    8. 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.
    9. Bartkevičiūtė Gintarė & Gaigalienė Asta & Legenzova Renata, 2018. "The Assessment of Determinants of Credit Services’ Choices among Students," Management of Organizations: Systematic Research, Sciendo, vol. 79(1), pages 7-23, June.
    10. 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.
    11. 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.
    12. 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.
    13. Meyll, Tobias & Pauls, Thomas, 2019. "The gender gap in over-indebtedness," Finance Research Letters, Elsevier, vol. 31(C).
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. Bellocchi, Alessandro & Travaglini, Giuseppe, 2025. "Financial literacy and financial education: The role of irreversible costs," Economics Letters, Elsevier, vol. 247(C).
    19. 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.
    20. 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.).
    21. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. 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.
    30. Zachary Bethune & Joaquín Saldain & Eric R. Young, 2024. "Consumer Credit Regulation and Lender Market Power," Staff Working Papers 24-36, Bank of Canada.
    31. 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.
    32. 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.
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    34. 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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    36. 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.
    37. 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.
    38. 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.

  28. 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).

    Cited by:

    1. 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).
    2. 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.
    3. 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).
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. Adeline Delavande & Gizem Koşar & Basit Zafar, 2025. "Expectations and Information Frictions Within Couples: Evidence from a Sequential Survey of Spouses," Staff Reports 1154, Federal Reserve Bank of New York.
    11. 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.
    12. 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).
    13. 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.
    14. 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.
    15. 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).
    16. 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".
    17. 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.
    18. Andreas Fagereng & Luigi Guiso & Luigi Pistaferri & Davide Malacrino, 2019. "Heterogeneity and persistence in returns to wealth," Discussion Papers 912, Statistics Norway, Research Department.
    19. Guangshun Xu & Lin Feng & Wenzheng Wang & Qiaohui Liang, 2024. "Digital Financial Literacy and Rural Income Inequality," SAGE Open, , vol. 14(3), pages 21582440241, September.
    20. 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.
    21. 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.
    22. 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.
    23. 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).
    24. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    25. 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).
    26. Macaulay, Alistair, 2021. "The attention trap: Rational inattention, inequality, and fiscal policy," European Economic Review, Elsevier, vol. 135(C).
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    34. Ye Zhang & Jennifer Xu & Dongyu Chen, 2026. "Fintech and household participation in risky financial markets: evidence from China," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-39, December.
    35. Javier Olivera & Yadiraah Iparraguirre, 2022. "The Gender Gap in Pension Savings: Evidence from Peru's Individual Capitalization System," LISER Working Paper Series 2022-06, Luxembourg Institute of Socio-Economic Research (LISER).
    36. 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.
    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. Matthias Sutter & Michael Weyland & Anna Untertrifaller & Manuel Froitzheim & Sebastian O. Schneider, 2023. "Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention," ECONtribute Discussion Papers Series 229, University of Bonn and University of Cologne, Germany.
    39. Kaiser, Tim & Menkhoff, Lukas, 2018. "Active Learning Improves Financial Education:," Rationality and Competition Discussion Paper Series 131, CRC TRR 190 Rationality and Competition.
    40. Matey, Juabin, 2021. "Financial Literacy and Consumer Financial Well-being in Ghana: Any Nexus with Economic Stability?," MPRA Paper 110351, University Library of Munich, Germany, revised 10 Oct 2021.
    41. Beata Świecka & Paweł Terefenko & Tomasz Wiśniewski & Jingjian Xiao, 2021. "Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland," Sustainability, MDPI, vol. 13(11), pages 1-18, June.
    42. Neumann, Uwe & Schaffner, Sandra, 2020. "Neighbourhood-level variation in the risk of private credit default: A driver of urban residential segregation?," Ruhr Economic Papers 875, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
    43. Donatella Baiardi & Marco Magnani & Mario Menegatti, 2020. "The theory of precautionary saving: an overview of recent developments," Review of Economics of the Household, Springer, vol. 18(2), pages 513-542, June.
    44. Kubitza, Christian & Hofmann, Annette & Steinorth, Petra, 2019. "Financial literacy and precautionary insurance," ICIR Working Paper Series 34/19, Goethe University Frankfurt, International Center for Insurance Regulation (ICIR).
    45. Bernal, Noelia & Olivera, Javier, 2020. "Choice of pension management fees and effects on pension wealth," Journal of Economic Behavior & Organization, Elsevier, vol. 176(C), pages 539-568.
    46. Sholevar, Maryam & Harris, Laurence, 2019. "Mind the gap: A discussion paper on Financial Literacy, Financial behaviour and Financial Education : Is there any Gender Gap?," OSF Preprints b7zd6, Center for Open Science.
    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. Gopi Shah Goda & Matthew Levy & Colleen Flaherty Manchester & Aaron Sojourner & Joshua Tasoff, 2018. "Predicting Retirement Savings Using Survey Measures of Exponential-Growth Bias and Present Bias," Working Papers 2018-059, Human Capital and Economic Opportunity Working Group.
    49. Xia Zhou & Shaoyong Lai, 2023. "The mutual influence of knowledge and individual wealth growth," The European Physical Journal B: Condensed Matter and Complex Systems, Springer;EDP Sciences, vol. 96(6), pages 1-22, June.
    50. Claudio Daminato & Irina Gemmo, 2025. "Determinants and Life-Cycle Effects of Survival Ambiguity," Cahiers de recherche / Working Papers 21, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    51. Andrej Cupák & Pirmin Fessler & Maria Silgoner & Elisabeth Ulbrich, 2021. "Exploring Differences in Financial Literacy Across Countries: The Role of Individual Characteristics and Institutions," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 158(2), pages 409-438, December.
    52. 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.
    53. 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).
    54. 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).
    55. Mazzonna, Fabrizio & Peracchi, Franco, 2020. "Are Older People Aware of Their Cognitive Decline? Misperception and Financial Decision Making," IZA Discussion Papers 13725, IZA Network @ LISER.
    56. 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.
    57. 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.
    58. Wang Li, 2025. "Aggravate or Alleviate? The Impact of Financial Literacy on Income Inequality: Evidence From Double Machine Learning," SAGE Open, , vol. 15(4), pages 21582440251, November.
    59. Carletti, Elena & Marquez, Robert & Petriconi, Silvio, 2020. "The redistributive effects of bank capital regulation," Journal of Financial Economics, Elsevier, vol. 136(3), pages 743-759.
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    63. Erin Cottle Hunt, 2023. "Welfare effects of automatic‐IRAs," Contemporary Economic Policy, Western Economic Association International, vol. 41(2), pages 300-318, April.
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    233. Elena Carletti & Roberto Marquez & Silvio Petriconi, 2018. "The redistributive effects of bank capital regulation," BAFFI CAREFIN Working Papers 18102, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    234. 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).
    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.
    236. 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.
    237. Castagno, Elisa, 2025. "Essays on Household Financial Decision-Making," Other publications TiSEM 1d0fd971-f83d-4534-8a9e-9, Tilburg University, School of Economics and Management.
    238. Steenbrink, Rachel & Skali, Ahmed, 2026. "Wealth inequality and economic growth: Evidence from the World Inequality Database," World Development, Elsevier, vol. 199(C).
    239. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).

  29. 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.

  30. 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. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    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. 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.
    9. 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.
    10. 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.
    11. 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, Econjournals, vol. 14(2), pages 207-217, March.
    12. 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).
    13. Almenberg, Johan & Dreber, Anna, 2015. "Gender, stock market participation and financial literacy," Economics Letters, Elsevier, vol. 137(C), pages 140-142.
    14. 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.
    15. 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).
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. Elisa Darriet & Marianne Guille & Jean-Christophe Vergnaud & Mariko Shimizu, 2020. "Money illusion, financial literacy and numeracy: experimental evidence," Post-Print hal-02310038, HAL.
    25. 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).
    26. 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.
    27. 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.
    28. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    29. 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).
    30. 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).
    31. Annamaria Lusardi & Anya Savikhin Samek & Arie Kapteyn & Lewis Glinert & Angela Hung & Aileen Heinberg, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," NBER Working Papers 20229, National Bureau of Economic Research, Inc.
    32. 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.
    33. Bingzheng Chen & Ze Chen, 2023. "Financial Literacy Confidence and Retirement Planning: Evidence from China," Risks, MDPI, vol. 11(2), pages 1-14, February.
    34. 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.
    35. 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.
    36. 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.
    37. 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.
    38. 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.
    39. Davoli, Maddalena & Rodríguez-Planas, Núria, 2020. "Culture and Adult Financial Literacy: Evidence from the United States," IZA Discussion Papers 13349, IZA Network @ LISER.
    40. Melissa J. Wilmarth & Kyoung Tae Kim & Tae‐Young Pak, 2023. "What do we really know about “don't know”? Re‐assessing the measurement of financial knowledge," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(4), pages 1623-1649, October.
    41. 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.
    42. Vyacheslav Mikhed & Barry Scholnick, 2015. "Who is screened out of social insurance programs by entry barriers? Evidence from consumer bankruptcies," Working Papers 15-40, Federal Reserve Bank of Philadelphia.
    43. Emma Boswell Dean & Frank Schilbach & Heather Schofield, 2017. "Poverty and Cognitive Function," NBER Chapters, in: The Economics of Poverty Traps, pages 57-118, National Bureau of Economic Research, Inc.
    44. 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.
    45. 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).
    46. 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.
    47. Luigi Guiso & Eliana Viviano, 2015. "How Much Can Financial Literacy Help?," Review of Finance, European Finance Association, vol. 19(4), pages 1347-1382.
    48. Davoli, Maddalena & Rodríguez-Planas, Núria, 2021. "Preferences, Financial Literacy, and Economic Development," IZA Discussion Papers 14759, IZA Network @ LISER.
    49. 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).
    50. 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.
    51. 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.
    52. 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.
    53. 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.
    54. 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.
    55. 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.
    56. Tang, Ning, 2021. "Cognitive abilities, self-efficacy, and financial behavior," Journal of Economic Psychology, Elsevier, vol. 87(C).
    57. 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.
    58. 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.
    59. 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.
    60. 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).
    61. 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.
    62. 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.
    63. 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.
    64. 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).
    65. 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.
    66. Vyacheslav Mikhed & Barry Scholnick, 2014. "Financial benefits, travel costs, and bankruptcy," Working Papers 14-18, Federal Reserve Bank of Philadelphia.
    67. 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.
    68. 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.
    69. 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.
    70. 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.
    71. 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.
    72. 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).
    73. 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.
    74. Rui Xue & Adrian Gepp & Terry J O’Neill & Steven Stern & Bruce J Vanstone, 2021. "Financial literacy and financial strategies: The mediating role of financial concerns," Australian Journal of Management, Australian School of Business, vol. 46(3), pages 437-465, August.
    75. Sundar Balakrishna & Vineet Virmani, 2019. "Numeracy and Financial Literacy of Forest-dependent Communities," Vikalpa: The Journal for Decision Makers, , vol. 44(2), pages 59-74, June.
    76. 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.
    77. Morshadul Hasan & Thi Le & Ariful Hoque, 2021. "How does financial literacy impact on inclusive finance?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-23, December.
    78. 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.
    79. 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.
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    81. Gignac, Gilles E. & Stevens, Elizabeth M., 2024. "Attitude toward numbers: A better predictor of financial literacy and intelligence than need for cognition," Intelligence, Elsevier, vol. 103(C).

  31. 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. 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).
    2. 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.
    3. 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.
    4. Annamaria Lusardi & Anya Savikhin Samek & Arie Kapteyn & Lewis Glinert & Angela Hung & Aileen Heinberg, 2014. "Visual Tools and Narratives: New Ways to Improve Financial Literacy," NBER Working Papers 20229, National Bureau of Economic Research, Inc.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Luc Arrondel & Debbich, M. & Frédérique Savignac, 2013. "Financial Literacy and Financial Planning in France," Working papers 465, Banque de France.
    14. Laura Hospido & Sara Izquierdo & Margarita Machelett, 2021. "The gender gap in financial competences (556 KB)," Economic Bulletin, Banco de España, issue 1/2021.

  32. Leora F. Klapper & Annamaria Lusardi & Georgios A. Panos, 2012. "Financial Literacy and the Financial Crisis," NBER Working Papers 17930, National Bureau of Economic Research, Inc.

    Cited by:

    1. 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).
    2. 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.
    3. 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.
    4. 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).
    5. 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.
    6. 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.
    7. 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.
    8. 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.
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    7. 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.
    8. 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).
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    145. 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).
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  35. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers WR-893-SSA, RAND Corporation.

    Cited by:

    1. 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.
    2. 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.
    3. Gordon L. Clark, 2014. "Roepke Lecture in Economic Geography—Financial Literacy in Context," Economic Geography, Clark University, vol. 90(1), pages 1-23, January.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. Williams, Marlon L., 2016. "Bank overdraft pricing and myopic consumers," Economics Letters, Elsevier, vol. 139(C), pages 84-87.
    10. 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.
    11. 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.
    12. Abhinav Shanbhag, 2022. "Exploring Causes, Effects, and Solutions to Financial Illiteracy and Exclusion among Minority Demographic Groups," Papers 2210.11403, arXiv.org.

  36. 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. 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.
    2. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    3. 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).
    4. Cardella, Eric & Kalenkoski, Charlene M. & Parent, Michael, 2018. "Less Is Not More: Information Presentation Complexity and 401(k) Planning Choices," IZA Discussion Papers 11538, IZA Network @ LISER.
    5. Chang Liu & Xue Bai & Martin Knapp, 2022. "Multidimensional Retirement Planning Behaviors, Retirement Confidence, and Post-Retirement Health and Well-Being Among Chinese Older Adults in Hong Kong," Applied Research in Quality of Life, Springer;International Society for Quality-of-Life Studies, vol. 17(2), pages 833-849, April.
    6. 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.
    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. Hershey, D.A. & van Dalen, Harry & Henkens, Kene & Conen, W.S., 2016. "Are ‘Voluntary’ Self-Employed Better Prepared for Retirement than ‘Forced’ Self-Employed? : The Case of the Netherlands and Germany," Other publications TiSEM 959e83ab-74d1-4e06-9e9d-f, Tilburg University, School of Economics and Management.
    9. Corsini, Lorenzo & Spataro, Luca, 2011. "Optimal decisions on pension plans in the presence of financial literacy costs and income inequalities," MPRA Paper 30946, University Library of Munich, Germany.
    10. 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).
    11. Terence J. McElvaney & Peter D. Lunn & Féidhlim P. McGowan, 2018. "Do Consumers Understand PCP Car Finance? An Experimental Investigation," Journal of Consumer Policy, Springer, vol. 41(3), pages 229-255, September.
    12. Guangshun Xu & Lin Feng & Wenzheng Wang & Qiaohui Liang, 2024. "Digital Financial Literacy and Rural Income Inequality," SAGE Open, , vol. 14(3), pages 21582440241, September.
    13. Xu Cui & Jing Jian Xiao & Jingtao Yi, 2019. "Employment Type, Residential Status And Consumer Financial Capability: Evidence From China Household Finance Survey," The Singapore Economic Review (SER), World Scientific Publishing Co. Pte. Ltd., vol. 64(01), pages 57-81, March.
    14. 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.
    15. 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.
    16. 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).
    17. Douissa, Ismail Ben, 2020. "Factors affecting College students’ multidimensional financial literacy in the Middle East," International Review of Economics Education, Elsevier, vol. 35(C).
    18. 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.
    19. Subur Harahap & Armanu Thoyib & Sumiati Sumiati & Atim Djazuli, 2022. "The Impact of Financial Literacy on Retirement Planning with Serial Mediation of Financial Risk Tolerance and Saving Behavior: Evidence of Medium Entrepreneurs in Indonesia," IJFS, MDPI, vol. 10(3), pages 1-22, August.
    20. Salvador Valdés & Samuel Leyton, 2019. "Social insurance contributions: frequency vs. Earnings," Documentos de Trabajo 528, Instituto de Economia. Pontificia Universidad Católica de Chile..
    21. 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).
    22. Fort, Margherita & Manaresi, Francesco & Trucchi, Serena, 2012. "Banks Information Policies, Financial Literacy and Household Wealth," IZA Discussion Papers 6989, IZA Network @ LISER.
    23. 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, Econjournals, vol. 11(5), pages 104-113.
    24. Hospido, Laura & Villanueva, Ernesto & Zamarro, Gema, 2015. "Finance for All: The Impact of Financial Literacy Training in Compulsory Secondary Education in Spain," IZA Discussion Papers 8902, IZA Network @ LISER.
    25. Dick, Christian D. & Jaroszek, Lena M., 2013. "Knowing what not to do: Financial literacy and consumer credit choices," ZEW Discussion Papers 13-027, ZEW - Leibniz Centre for European Economic Research.
    26. Beata Świecka & Paweł Terefenko & Tomasz Wiśniewski & Jingjian Xiao, 2021. "Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland," Sustainability, MDPI, vol. 13(11), pages 1-18, June.
    27. Leonardo Bursztyn & Florian Ederer & Bruno Ferman & Noam Yuchtman, 2012. "Understanding Peer Effects in Financial Decisions: Evidence from a Field Experiment," NBER Working Papers 18241, National Bureau of Economic Research, Inc.
    28. Sekita, Shizuka & Kakkar, Vikas & Ogaki, Masao, 2022. "Wealth, Financial Literacy and Behavioral Biases in Japan: the Effects of Various Types of Financial Literacy," Journal of the Japanese and International Economies, Elsevier, vol. 64(C).
    29. 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.
    30. Barrett, Alan & Mosca, Irene & Whelan, Brendan J., 2013. "(Lack of) Pension Knowledge," IZA Discussion Papers 7596, IZA Network @ LISER.
    31. Arvid O. I. Hoffmann & Daria Plotkina, 2021. "Let your past define your future? How recalling successful financial experiences can increase beliefs of self‐efficacy in financial planning," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(3), pages 847-871, September.
    32. Luigi Guiso & Eliana Viviano, 2013. "How Much Can Financial Literacy Help?," EIEF Working Papers Series 1325, Einaudi Institute for Economics and Finance (EIEF), revised Sep 2013.
    33. 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.
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    1. 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.
    2. 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.
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    5. Rob J. Alessie & Maarten van Rooij & Annamaria Lusardi, 2011. "Financial Literacy, Retirement Preparation and Pension Expectations in the Netherlands," NBER Working Papers 17109, National Bureau of Economic Research, Inc.
    6. Doris Neuberger, 2015. "Financial Inclusion, Regulation, and Education in Germany," ADBI Working Papers 530, Asian Development Bank Institute.
    7. 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.
    8. Sirli Mändmaa, 2021. "Financial Education from the Perspective of University Students: Comparative Study," Eurasian Journal of Social Sciences, Eurasian Publications, vol. 9(3), pages 150-175.
    9. Bannier, Christina E. & Neubert, Milena, 2016. "Actual and perceived financial sophistication and wealth accumulation: The role of education and gender," CFS Working Paper Series 528, Center for Financial Studies (CFS).
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  38. 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. 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.
    3. Shin, Su Hyun & Kim, Kyoung Tae & Seay, Martin, 2020. "Sources of information and portfolio allocation," Journal of Economic Psychology, Elsevier, vol. 76(C).
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    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.

  39. 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. Caliendo, Frank N. & Findley, T. Scott, 2013. "Time inconsistency and retirement planning," Economics Letters, Elsevier, vol. 121(1), pages 30-34.
    2. 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.
    3. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    4. 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.
    5. 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.
    6. 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.
    7. Spataro, Luca & Corsini, Lorenzo, 2013. "Endogenous financial literacy, saving and stock market participation," MPRA Paper 44342, University Library of Munich, Germany.
    8. 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.
    9. 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).
    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. 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.
    12. 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.
    13. 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.
    14. 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.
    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).

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

    Cited by:

    1. Ozili, Peterson Kitakogelu, 2021. "Financial inclusion-exclusion paradox: how banked adults become unbanked again," MPRA Paper 108494, University Library of Munich, Germany.
    2. 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.
    3. 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.
    4. 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).
    5. 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.
    6. Kartik B. Athreya & Jose Mustre-del-Rio & Juan M. Sanchez, 2017. "The Persistence of Financial Distress," Working Papers 2017-38, Federal Reserve Bank of St. Louis.
    7. 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.
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    9. 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.
    10. 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.
    11. 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.
    12. 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).
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. Estaban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 725, Banco de la Republica de Colombia.
    22. 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.
    23. 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.
    24. 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.
    25. 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).
    26. 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.
    27. 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.
    28. 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.
    29. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    30. Atalay, Kadir & Lou, Hanlin & Slonim, Robert, 2026. "Nudging a second after," Journal of Banking & Finance, Elsevier, vol. 182(C).
    31. 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.
    32. 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).
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    35. Annamaria Lusardi, 2012. "Numeracy, financial literacy, and financial decision-making," NBER Working Papers 17821, National Bureau of Economic Research, Inc.
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    Cited by:

    1. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    2. 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.
    3. 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).
    4. 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.
    5. 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.
    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. 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).
    8. 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.
    9. 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.
    10. 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.
    11. Haliassos, Michael & Fuchs-Schündeln, Nicola, 2015. "Does Product Familiarity Matter for Participation?," CEPR Discussion Papers 10632, Centre for Economic Policy Research.
    12. 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).
    13. Francesco D'Acunto & Alberto G. Rossi & Michael Weber & Michael Weber, 2019. "Crowdsourcing financial information to change spending behavior," CESifo Working Paper Series 7533, CESifo.
    14. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    15. Tsung-ming Yeh & Yue Ling, 2022. "Confidence in Financial Literacy, Stock Market Participation, and Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 169-186, March.
    16. 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.
    17. Guo‐Hua Cao & Jing Zhang, 2022. "The entrepreneurial ecosystem of inclusive finance and entrepreneurship: A theoretical and empirical test in China," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(1), pages 1547-1568, January.
    18. 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.
    19. Matthew Fisher & Milica Mormann, 2022. "The Off by 100% Bias: The Effects of Percentage Changes Greater than 100% on Magnitude Judgments and Consumer Choice [Numerosity and Consumer Behavior]," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 49(4), pages 561-573.
    20. Gilenko, Evgenii & Chernova, Aleksandra, 2021. "Saving behavior and financial literacy of Russian high school students: An application of a copula-based bivariate probit-regression approach," Children and Youth Services Review, Elsevier, vol. 127(C).
    21. 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.
    22. 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.
    23. 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".
    24. 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.
    25. Grohmann, Antonia, 2018. "Financial literacy and financial behavior: Evidence from the emerging Asian middle class," Pacific-Basin Finance Journal, Elsevier, vol. 48(C), pages 129-143.
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    31. Giuseppe Marotta, 2011. "Are defined contribution pension schemes socially sustainable? A conceptual map from a macroprudential perspective," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0028, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    32. Stevenson, Regan M. & Ciuchta, Michael P. & Letwin, Chaim & Dinger, Jenni M. & Vancouver, Jeffrey B., 2019. "Out of control or right on the money? Funder self-efficacy and crowd bias in equity crowdfunding," Journal of Business Venturing, Elsevier, vol. 34(2), pages 348-367.
    33. 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.
    34. Nadzeya Kardash & Lauren E. Coleman-Tempel & Meghan E. Ecker-Lyster, 2023. "The Role of Parental Education in Financial Socialization of Children," Journal of Family and Economic Issues, Springer, vol. 44(1), pages 143-155, March.
    35. Merkoulova, Yulia & Veld, Chris, 2022. "Why do individuals not participate in the stock market?," International Review of Financial Analysis, Elsevier, vol. 83(C).
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    38. Ghafoori, Eraj & Ip, Edwin & Kabátek, Jan, 2021. "The impacts of a large-scale financial education intervention on retirement saving behaviors and portfolio allocation: Evidence from pension fund data," Journal of Banking & Finance, Elsevier, vol. 130(C).
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    28. 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.
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    36. Muhammad Zada & Vasilii Erokhin, 2025. "Empowering Small to Medium-Sized Forest Enterprises: Unveiling the Impact of Financial Literacy and Entrepreneur Knowledge on Sustainable Development in Developing Countries," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 16(3), pages 11293-11313, September.
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    40. 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).
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    515. Lin Xie & Yuan-yang Wu & Ying-xi Shen & Wen-chao Zhang & An-qi Zhang & Xue-yu Lin & Shi-ming Ti & Yi-tong Yu & Hua-lei Yang, 2021. "Effect of Retirement on Work Hours: Evidence From China," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 157(2), pages 671-688, September.
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    517. Yasmeen Ansari & Mansour Saleh Albarrak & Noorjahan Sherfudeen & Arfia Aman, 2022. "A Study of Financial Literacy of Investors—A Bibliometric Analysis," IJFS, MDPI, vol. 10(2), pages 1-16, May.
    518. David-Jan Jansen & Robert Mosch & Carin Cruijsen, 2015. "When Does the General Public Lose Trust in Banks?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 48(2), pages 127-141, October.
    519. Jamali, Mehdi & Nejat, Ali & Ghosh, Souparno & Jin, Fang & Cao, Guofeng, 2019. "Social media data and post-disaster recovery," International Journal of Information Management, Elsevier, vol. 44(C), pages 25-37.
    520. Liu, Jiankun & Zhang, Yunliang & Ding, Chante Jian, 2024. "Political background, digital finance, and risky financial asset allocation," International Review of Economics & Finance, Elsevier, vol. 96(PA).
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    522. 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.
    523. Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2012. "Financial literacy and the financial crisis," Policy Research Working Paper Series 5980, The World Bank.
    524. 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.
    525. 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.
    526. 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.
    527. 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.
    528. 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.
    529. 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.
    530. 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.
    531. 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.
    532. 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).
    533. 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.
    534. 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.
    535. 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.
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  43. 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. Janet Currie & Erdal Tekin, 2011. "Is there a Link Between Foreclosure and Health?," NBER Working Papers 17310, National Bureau of Economic Research, Inc.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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).
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. Annamaria Lusardi & Daniel J. Schneider & Peter Tufano, 2011. "Financially Fragile Households: Evidence and Implications," NBER Working Papers 17072, National Bureau of Economic Research, Inc.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    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".

  44. 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. 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.
    3. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers WR-893-SSA, RAND Corporation.
    4. 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.
    5. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. Estaban Gómez González & Nancy Zamudio Gómez, 2012. "Las capacidades financieras de la población colombiana," Borradores de Economia 725, Banco de la Republica de Colombia.
    11. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    12. 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.
    13. 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.
    14. 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).

  45. 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. Martin-Bassols, Nicolau, 2024. "Risky and non-risky financial investments and cognition," Journal of Economic Psychology, Elsevier, vol. 100(C).
    2. 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.
    3. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2021. "Cognitive bias in insurance: Evidence from a health scheme in India," World Development, Elsevier, vol. 144(C).
    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.

  46. 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. Georgios Pakos & Panagiotis Mpogiatzidis, 2025. "Financial Literacy Among Healthcare Providers: A Systematic Review," JRFM, MDPI, vol. 18(1), pages 1-25, January.
    3. 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".
    4. 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.
    5. 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.
    6. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    7. 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".
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Cheng, Lingguo & Lu, Yunfeng, 2024. "Risk attitudes across the life course: Evidence from China," China Economic Review, Elsevier, vol. 88(C).
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. Bruce Ian Carlin & David T. Robinson, 2010. "What Does Financial Literacy Training Teach Us?," NBER Working Papers 16271, National Bureau of Economic Research, Inc.
    20. 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.).
    21. 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.
    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. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. Yiing Jia Loke, 2017. "Financial Vulnerability of Working Adults in Malaysia," Contemporary Economics, Vizja University, vol. 11(2), June.
    30. Annamaria Lusardi & Peter Tufano, 2009. "Debt Literacy, Financial Experiences, and Overindebtedness," NBER Working Papers 14808, National Bureau of Economic Research, Inc.
    31. 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.
    32. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    33. Claire Greene & Oz Shy & Joanna Stavins, 2023. "Personality Traits and Financial Outcomes," Working Papers 23-4, Federal Reserve Bank of Boston.
    34. 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.
    35. 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.
    36. 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.
    37. 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.
    38. 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.
    39. 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.
    40. 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.
    41. 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.
    42. 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.
    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.

  47. 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. 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.
    2. 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.
    3. 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".
    4. 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.
    5. 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.
    6. 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).
    7. 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.
    8. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    9. Guiso, Luigi, 2012. "Household Finance: An Emerging Field," CEPR Discussion Papers 8934, Centre for Economic Policy Research.
    10. 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".
    11. 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).
    12. Guo, Qiyang & Qian, Yuting & Tan, Weiqiang & Xie, Zhiju, 2024. "Does financial literacy drive entrepreneurship in rural China?," Finance Research Letters, Elsevier, vol. 61(C).
    13. 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.
    14. Christopher B. Bumcrot & Judy Lin & Annamaria Lusardi, 2011. "The Geography of Financial Literacy," Working Papers WR-893-SSA, RAND Corporation.
    15. Judith Scott-Clayton, 2012. "Information Constraints and Financial Aid Policy," NBER Working Papers 17811, National Bureau of Economic Research, Inc.
    16. 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.
    17. 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).
    18. 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.
    19. 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.
    20. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy and Planning: Implications for Retirement Wellbeing," NBER Working Papers 17078, National Bureau of Economic Research, Inc.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "The effect of self-confidence on financial literacy," Working Papers 1428, BBVA Bank, Economic Research Department.
    28. 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.
    29. 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.
    30. 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.
    31. 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.).
    32. 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.
    33. Jappelli, Tullio & Padula, Mario, 2013. "Investment in financial literacy and saving decisions," Journal of Banking & Finance, Elsevier, vol. 37(8), pages 2779-2792.
    34. 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.
    35. 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.
    36. 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.
    37. 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.
    38. 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.
    39. 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.
    40. 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.
    41. 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.
    42. 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.
    43. 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).
    44. 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.
    45. 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.
    46. 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.
    47. 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.
    48. Claire Greene & Oz Shy & Joanna Stavins, 2023. "Personality Traits and Financial Outcomes," Working Papers 23-4, Federal Reserve Bank of Boston.
    49. 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.
    50. 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.
    51. 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.
    52. 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.
    53. 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.
    54. 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.
    55. 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.
    56. 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.
    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, Sciendo, 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.

  48. 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. 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.
    2. 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.
    3. 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).
    4. 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.
    5. 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.

  49. 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. 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.
    3. 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).
    4. 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.
    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. 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.
    7. Kalaš Luka & Brajnik Irena Bačlija, 2017. "Administrative Burden Reduction Policies in Slovenia Revisited," Central European Journal of Public Policy, Sciendo, vol. 11(1), pages 28-40, June.
    8. 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.
    9. 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.
    10. Dustin Chambers & Colin O’Reilly, 2022. "The economic theory of regulation and inequality," Public Choice, Springer, vol. 193(1), pages 63-78, October.
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. Dove, John A., 2015. "The effect of judicial independence on entrepreneurship in the US states," Economic Systems, Elsevier, vol. 39(1), pages 72-96.
    23. 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).
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. 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.
    30. Ant Bozkaya & William R. Kerr, 2009. "Labor Regulations and European Private Equity," NBER Working Papers 15627, National Bureau of Economic Research, Inc.
    31. 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).
    32. 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.
    33. 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.
    34. 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.
    35. 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.
    36. 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.
    37. 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).
    38. 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.
    39. Audretsch, David B. & Belitski, Maksim & Chowdhury, Farzana & Desai, Sameeksha, 2024. "Regulating entrepreneurship quality and quantity," Research Policy, Elsevier, vol. 53(2).
    40. 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.
    41. 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.
    42. Jonsson, Sara & Ouyang, Qinglin, 2023. "Effects of cultural origin on entrepreneurship," Journal of Economic Behavior & Organization, Elsevier, vol. 216(C), pages 308-319.
    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.

  50. 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. 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. 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).
    3. 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.
    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. 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.
    6. 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.
    7. 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.
    8. Annamaria Lusardi, 2008. "Financial Literacy: An Essential Tool for Informed Consumer Choice?," NBER Working Papers 14084, National Bureau of Economic Research, Inc.
    9. 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.
    10. 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.
    11. 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.
    12. Brigitte C. Madrian, 2014. "Applying Insights from Behavioral Economics to Policy Design," NBER Working Papers 20318, National Bureau of Economic Research, Inc.
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.

  51. 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. Martin-Bassols, Nicolau, 2024. "Risky and non-risky financial investments and cognition," Journal of Economic Psychology, Elsevier, vol. 100(C).
    3. Guiso, Luigi, 2012. "Household Finance: An Emerging Field," CEPR Discussion Papers 8934, Centre for Economic Policy Research.
    4. 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).
    5. 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.
    6. 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).
    7. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2021. "Cognitive bias in insurance: Evidence from a health scheme in India," World Development, Elsevier, vol. 144(C).
    8. 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.
    9. 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.
    10. Annamaria Lusardi & Olivia S. Mitchell, 2013. "Older Adult Debt and Financial Frailty," Working Papers wp291, University of Michigan, Michigan Retirement Research Center.
    11. 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.
    12. 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.
    13. Platteau, Jean-Philippe & Ugarte Ontiveros, Darwin, 2017. "Cognitive Bias in Insurance: Evidence from India," CEPR Discussion Papers 12242, Centre for Economic Policy Research.
    14. 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.).
    15. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    16. 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.
    17. 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.
    18. Najat El Mekkaoui de Freitas & Bérangère Legendre & Gordon Clark, 2013. "Individual Private Retirement Insurances: holding behaviours among pensioners," Post-Print hal-00951881, HAL.
    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.

  52. 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. 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.
    2. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    3. 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.
    4. 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.
    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. 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.
    7. 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.
    8. 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).
    9. Tiziana Assenza & Alberto Cardaci & Domenico Delli Gatti, 2019. "Perceived Wealth, Cognitive Sophistication and Behavioral Inattention," CESifo Working Paper Series 7992, CESifo.
    10. 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).
    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. Campbell, John Y. & Tufano, Peter & Madrian, Brigitte C. & Jackson, Howell Edmunds, 2011. "Consumer Financial Protection," Scholarly Articles 9887620, Harvard University Department of Economics.
    13. 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.
    14. Bongini, Paola & Cucinelli, Doriana & Soana, Maria Gaia, 2023. "Insurance holdings: Does individual insurance literacy matter?," Finance Research Letters, Elsevier, vol. 58(PC).
    15. 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.
    16. 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.
    17. 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).
    18. 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).
    19. 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.
    20. 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.
    21. Burke, Matt & Fry, John, 2019. "How easy is it to understand consumer finance?," Economics Letters, Elsevier, vol. 177(C), pages 1-4.
    22. 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.
    23. 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.
    24. 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.
    25. Bannier, Christina E. & Neubert, Milena, 2016. "Actual and perceived financial sophistication and wealth accumulation: The role of education and gender," CFS Working Paper Series 528, Center for Financial Studies (CFS).
    26. Viktar Fedaseyeu, 2015. "Debt collection agencies and the supply of consumer credit," Working Papers 15-23, Federal Reserve Bank of Philadelphia.
    27. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    28. 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).
    29. 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.
    30. Haliassos, Michael & Fuchs-Schündeln, Nicola, 2015. "Does Product Familiarity Matter for Participation?," CEPR Discussion Papers 10632, Centre for Economic Policy Research.
    31. 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.
    32. 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).
    33. 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).
    34. Łukasz Gębski, 2013. "Nadmierne zadłużenie gospodarstw domowych – problem finansowo-prawny czy społeczny?," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 4, pages 83-108.
    35. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    36. Yichao Li & Xintong Xie & Guihua Liu & Dingde Xu, 2024. "How does the improvement of farmers' financial literacy affect food production? Analysis of behavior and constraints based on element substitution and planting structure adjustment," Food Security: The Science, Sociology and Economics of Food Production and Access to Food, Springer;The International Society for Plant Pathology, vol. 16(3), pages 721-733, June.
    37. Giacomo Masier & Ernesto Villanueva, 2011. "Consumption and Initial Mortgage Conditions: Evidence From Survey Data," BCL working papers 52, Central Bank of Luxembourg.
    38. Cesar Leandro, Julio & Botelho, Delane, 2022. "Consumer over-indebtedness: A review and future research agenda," Journal of Business Research, Elsevier, vol. 145(C), pages 535-551.
    39. 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.
    40. 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).
    41. 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.
    42. Cichowicz Ewa & Iwanicz-Drozdowska Małgorzata & Kurowski Łukasz, 2021. "“Every knock is a boost”. Cyber risk behaviour among Poles," Economics and Business Review, Sciendo, vol. 7(4), pages 94-120, December.
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    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. 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.
    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. Carin van der Cruijsen & Jakob de Haan & Ria Roerink, 2020. "Trust in financial institutions: A survey," Working Papers 693, DNB.
    6. 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.
    7. Christine E Bishop, 2022. "Economics of Aging: New Insights," The Journals of Gerontology: Series B, The Gerontological Society of America, vol. 77(4), pages 735-738.
    8. 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.
    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.
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    11. 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.
    12. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.
    13. 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.
    14. 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.
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    16. 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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    18. 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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    21. 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.
    22. 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.
    23. Grant Graziani & Wilbert Van der Klaauw & Basit Zafar, 2013. "A boost in the paycheck: survey evidence on workers’ response to the 2011 payroll tax cuts," Staff Reports 592, Federal Reserve Bank of New York.
    24. Grohmann, Antonia, 2018. "Financial literacy and financial behavior: Evidence from the emerging Asian middle class," Pacific-Basin Finance Journal, Elsevier, vol. 48(C), pages 129-143.
    25. Guangshun Xu & Lin Feng & Wenzheng Wang & Qiaohui Liang, 2024. "Digital Financial Literacy and Rural Income Inequality," SAGE Open, , vol. 14(3), pages 21582440241, September.
    26. Elisabete Santos & Margarida Abreu, 2013. "Financial Literacy, Financial Behaviour and Individuals’ Over-indebtedness," Working Papers Department of Economics 2013/11, ISEG - Lisbon School of Economics and Management, Department of Economics, Universidade de Lisboa.
    27. Margaria Abreu & Victor Mendes, 2017. "The Investor in Structured Retail Products: Marketing Driven or Gambling Oriented?," Working Papers Department of Economics 2017/19, ISEG - Lisbon School of Economics and Management, Department of Economics, Universidade de Lisboa.
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    29. Camelia M. Kuhnen & Brian T. Melzer, 2017. "Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress," NBER Working Papers 23028, National Bureau of Economic Research, Inc.
    30. 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.
    31. Ma, Liang & He, Qiqi & Gan, Qixu, 2025. "Impact of short-term labor contracts on financial health: Evidence from migrant worker households in China," Economic Analysis and Policy, Elsevier, vol. 85(C), pages 448-463.
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    203. 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.
    204. 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).
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    216. Strömbäck, Camilla & Skagerlund, Kenny & Västfjäll, Daniel & Tinghög, Gustav, 2020. "Subjective self-control but not objective measures of executive functions predicts financial behavior and well-being," Journal of Behavioral and Experimental Finance, Elsevier, vol. 27(C).
    217. Arturo Cordova, & Arturo García-Santillan, & Karen Ochoa-Vela, & Jacaranda Denisse Maya- Parra, & María Fernanda Valenzuela-Fernández, 2017. "A comparative study about commercial Banks and non-commercial Banks savings schemes," EcoForum, "Stefan cel Mare" University of Suceava, Romania, Faculty of Economics and Public Administration - Economy, Business Administration and Tourism Department., vol. 6(1), pages 1-58, January.
    218. 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.
    219. 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.
    220. Anderson, Anders & Robinson, David, 2024. "Climate Polarization and Green Investment," HoSS Working Paper Series 2024-15, Stockholm School of Economics, House of Sustainable Society (HoSS), revised 05 Feb 2024.
    221. 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).
    222. John V. Duca & Anil Kumar, 2011. "Financial literacy and mortgage equity withdrawals," Working Papers 1110, Federal Reserve Bank of Dallas.
    223. Michael Razen & Jürgen Huber & Laura Hueber & Michael Kirchler & Matthias Stefan, 2020. "Financial Literacy, Economic Preferences, and Adolescents' Field Behavior," Working Papers 2020-05, Faculty of Economics and Statistics, Universität Innsbruck.
    224. Hazel Bateman & Christine Eckert & John Geweke & Jordan Louviere & Stephen Satchell & Susan Thorp, 2011. "Financial Competence, Risk Presentation and Retirement Portfolio Preferences," Working Papers 201120, ARC Centre of Excellence in Population Ageing Research (CEPAR), Australian School of Business, University of New South Wales.
    225. 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.
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    227. 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).
    228. 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.
    229. Bruhn, Miriam & Lara Ibarra, Gabriel & McKenzie, David, 2013. "Why is voluntary financial education so unpopular ? Experimental evidence from Mexico," Policy Research Working Paper Series 6439, The World Bank.
    230. Yang, Junhong & Wu, Yu & Huang, Bihong, 2023. "Digital finance and financial literacy: Evidence from Chinese households," Journal of Banking & Finance, Elsevier, vol. 156(C).
    231. 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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    233. 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.
    234. 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).
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  54. 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. 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.
    2. Frank M. Fossen & Tobias J. M. Büttner, 2012. "The Returns to Education for Opportunity Entrepreneurs, Necessity Entrepreneurs, and Paid Employees," Discussion Papers of DIW Berlin 1241, DIW Berlin, German Institute for Economic Research.
    3. 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.
    4. 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.
    5. Albiol, Judit, 2014. "The Significance of Business Exit for Future Entrepreneurial Activity," Working Papers 2072/238221, Universitat Rovira i Virgili, Department of Economics.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. Davud Rostam-Afschar, 2014. "Entry regulation and entrepreneurship: a natural experiment in German craftsmanship," Empirical Economics, Springer, vol. 47(3), pages 1067-1101, November.
    11. 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.
    12. 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.
    13. Ant Bozkaya & William R. Kerr, 2009. "Labor Regulations and European Private Equity," NBER Working Papers 15627, National Bureau of Economic Research, Inc.
    14. 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.
    15. Trubnikov, Dmitrii, 2021. "What entrepreneurship is really “productive”? An alternative view on Baumol's typology," Journal of Business Venturing Insights, Elsevier, vol. 16(C).
    16. Matteo Bobba & Luca Flabbi & Santiago Levy, 2022. "Labor market search, informality and schooling investments," Post-Print hal-03641810, HAL.
    17. William Kerr & Ramana Nanda, 2009. "Banking Deregulations, Financing Constraints, and Firm Entry Size," NBER Working Papers 15499, National Bureau of Economic Research, Inc.
    18. 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.
    19. 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.
    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.

  55. 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. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    2. 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.
    3. 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.
    4. 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.
    5. 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).
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Lena Dräger, 2016. "Are Consumers Planning Consumption According to an Euler Equation?," Macroeconomics and Finance Series 201605, University of Hamburg, Department of Socioeconomics.
    14. 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.
    15. 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.
    16. 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.
    17. Campbell, John Y., 2016. "Restoring rational choice: The challenge of consumer financial regulation," Working Paper Series 1897, European Central Bank.
    18. 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.
    19. 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.
    20. Horneff, Vanya & Maurer, Raimond & Mitchell, Olivia S. & Rogalla, Ralph, 2015. "Optimal life cycle portfolio choice with variable annuities offering liquidity and investment downside protection," Insurance: Mathematics and Economics, Elsevier, vol. 63(C), pages 91-107.
    21. 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.
    22. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    23. 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.
    24. 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).
    25. 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.
    26. Chris Brooks & Ivan Sangiorgi & Anastasiya Saraeva & Carola Hillenbrand & Kevin Money, 2023. "The importance of staying positive: The impact of emotions on attitude to risk," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 28(3), pages 3232-3261, July.
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    110. Singh, Ardhendu & Venkataramani, Bhama, 2012. "Financial Education: Institutes of Higher Education as delivery channels," MPRA Paper 43336, University Library of Munich, Germany.
    111. Bahovec Vlasta & Barbić Dajana & Palić Irena, 2017. "The Regression Analysis of Individual Financial Performance: Evidence from Croatia," Business Systems Research, Sciendo, vol. 8(2), pages 1-13, September.

  57. 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. Ana Iolanda Vodă & Alina-Petronela Haller & Alexandru Anichiti & Gina Ionela Butnaru, 2020. "Testing Entrepreneurial Intention Determinants in Post-Transition Economies," Sustainability, MDPI, vol. 12(24), pages 1-26, December.
    4. Adam P. Balcerzak, 2011. "Institutional integration in the European Union. Suggestion for measurement," Ekonomia i Prawo, Uniwersytet Mikolaja Kopernika, vol. 7(1), pages 17-34, December.
    5. 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.
    6. Dorji, Lham, 2018. "Women-owned micro and small enterprises in Bhutan : what major obstacles impede their growth and innovation?," IDE Discussion Papers 719, Institute of Developing Economies, Japan External Trade Organization(JETRO).
    7. Antonio Baez-Morales, 2015. "“Differences in efficiency between Formal and Informal Micro Firms in Mexico”," AQR Working Papers 201510, University of Barcelona, Regional Quantitative Analysis Group, revised May 2015.
    8. Castro Massimo Finocchiaro & Guccio Calogero, 2015. "Bottlenecks or Inefficiency? An Assessment of First Instance Italian Courts’ Performance," Review of Law & Economics, De Gruyter, vol. 11(2), pages 317-354, July.
    9. Neil McCulloch & Edmund Malesky, 2011. "Does better local governance improve district growth performance in Indonesia?," Working Paper Series 1711, Department of Economics, University of Sussex Business School.
    10. Quatraro, Francesco & Vivarelli, Marco, 2013. "Drivers of Entrepreneurship and Post-Entry Performance of Newborn Firms in Developing Countries," IZA Discussion Papers 7436, IZA Network @ LISER.
    11. Lois Stevenson, 2010. "Private Sector and Enterprise Development," Books, Edward Elgar Publishing, number 14047.
    12. Sebastian Eichfelder, 2011. "Steuerkomplexität als Markteintrittsbarriere?: Entscheidungswirkungen steuerlicher Planungs-und Vollzugskosten," Schmalenbach Journal of Business Research, Springer, vol. 63(8), pages 810-831, December.
    13. Miguel García-Posada & Juan S. Mora-Sanguinetti, 2014. "Entrepreneurship and enforcement institutions: Disaggregated evidence for Spain," Working Papers 1405, Banco de España.
    14. Gustavo A. Caballero, 2017. "Responsibility or autonomy: children and the probability of self-employment in the USA," Small Business Economics, Springer, vol. 49(2), pages 493-512, August.
    15. Flèche, Sarah & Lepinteur, Anthony & Powdthavee, Nattavudh, 2021. "The importance of capital in closing the entrepreneurial gender gap: a longitudinal study of lottery wins," LSE Research Online Documents on Economics 112789, London School of Economics and Political Science, LSE Library.
    16. 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.
    17. Ghani, Ejaz & Kerr, William R. & O'Connell, Stephen D., 2012. "What explains big gender disparities in India ? local industrial structures and female entrepreneurship," Policy Research Working Paper Series 6228, The World Bank.
    18. Markus Poschke, 2010. "Skill-biased change in entrepreneurial technology," 2010 Meeting Papers 520, Society for Economic Dynamics.
    19. Rafael P. Ribas, 2020. "Liquidity constraints, spillovers, and entrepreneurship: evidence from a cash transfer program," Small Business Economics, Springer, vol. 55(4), pages 1131-1158, December.
    20. Marcela Melendez & Paula Mejia, 2014. "Middle-Class Entrepreneurs and Inadequate Prospects for Social Mobility through Entrepreneurship in Colombia," Latin American Journal of Economics-formerly Cuadernos de Economía, Instituto de Economía. Pontificia Universidad Católica de Chile., vol. 51(2), pages 279-305, November.
    21. Fernanda Llussa, 2011. "Determinants of entrepreneurship: are women different?," Nova SBE Working Paper Series wp555, Universidade Nova de Lisboa, Nova School of Business and Economics.
    22. 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.
    23. Hartmann Carina & Philipp Ralf, 2022. "Lost in space? Refugee Entrepreneurship and Cultural Diversity in Spatial Contexts," ZFW – Advances in Economic Geography, De Gruyter, vol. 66(3), pages 151-171, October.
    24. Antoinette Schoar, 2010. "The Divide between Subsistence and Transformational Entrepreneurship," NBER Chapters, in: Innovation Policy and the Economy, Volume 10, pages 57-81, National Bureau of Economic Research, Inc.
    25. Luis Medrano-Adán & Vicente Salas-Fumás & J. Sanchez-Asin, 2015. "Heterogeneous entrepreneurs from occupational choices in economies with minimum wages," Small Business Economics, Springer, vol. 44(3), pages 597-619, March.
    26. Anchorena, José & Ronconi, Lucas, 2012. "Entrepreneurship, Entrepreneurial Values, and Public Policy in Argentina," IDB Publications (Working Papers) 4054, Inter-American Development Bank.
    27. Francesca Castellani & Eduardo Lora, 2014. "Is Entrepreneurship a Channel of Social Mobility in Latin America?," Latin American Journal of Economics-formerly Cuadernos de Economía, Instituto de Economía. Pontificia Universidad Católica de Chile., vol. 51(2), pages 179-194, November.
    28. Sangheon Lee & Deirdre McCann & Nina Torm, 2008. "The World Bank's “Employing Workers” index: Findings and critiques – A review of recent evidence," International Labour Review, International Labour Organization, vol. 147(4), pages 416-432, December.
    29. Hurst, Erik & Pugsley, Benjamin, 2011. "Understanding Small Business Heterogeneity," Working Papers 239, The University of Chicago Booth School of Business, George J. Stigler Center for the Study of the Economy and the State.
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    31. Daniel Bukstein & Nestor Gandelman, 2016. "Cohort, age and business cycle effects in entrepreneurship in Latin America," Documentos de Investigación 106, Universidad ORT Uruguay. Facultad de Administración y Ciencias Sociales.
    32. Silva, André C., 2010. "Managerial ability and capital flows," Journal of Development Economics, Elsevier, vol. 93(1), pages 126-136, September.
    33. Ejaz Ghani & William R. Kerr & Stephen D. O'Connell, 2011. "Spatial Determinants of Entrepreneurship in India," NBER Working Papers 17514, National Bureau of Economic Research, Inc.
    34. Huang, Qing & Wang, Ruixin & Xie, Yu & Zhang, Xiaobo, 2025. "Profiling Chinese entrepreneurs," China Economic Review, Elsevier, vol. 92(C).
    35. Wim Naudé, 2009. "Out with the Sleaze, in with the Ease: Insufficient for Entrepreneurial Development?," WIDER Working Paper Series RP2009-01, World Institute for Development Economic Research (UNU-WIDER).
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    37. LaPorta, Rafael & Shleifer, Andrei, 2014. "Informality and Development," Scholarly Articles 12343780, Harvard University Department of Economics.
    38. Davud Rostam-Afschar, 2014. "Entry regulation and entrepreneurship: a natural experiment in German craftsmanship," Empirical Economics, Springer, vol. 47(3), pages 1067-1101, November.
    39. Gindling, T. H. & Mossaad, Nadwa & Newhouse, David, 2016. "Earnings Premiums and Penalties for Self-Employment and Informal Employees around the World," IZA Discussion Papers 9723, IZA Network @ LISER.
    40. Elvin Afandi & Majid Kermani & Fuad Mammadov, 2017. "Social capital and entrepreneurial process," International Entrepreneurship and Management Journal, Springer, vol. 13(3), pages 685-716, September.
    41. POSCHKE, Markus, 2011. "The Firm Size Distribution across Countries and Skill-Biased Change in Entrepreneurial Technology," Cahiers de recherche 08-2011, Centre interuniversitaire de recherche en économie quantitative, CIREQ.
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    43. World Bank, 2020. "Judiciary of The Republic of Uganda," World Bank Publications - Reports 34154, The World Bank Group.
    44. Alicia Mas-Tur & Maria Guijarro & Agustín Carrilero, 2021. "What Type of Entrepreneurship Leads to Sustainable Development? A Configurational Approach," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 157(1), pages 29-42, August.
    45. Mr. Mauricio Vargas, 2015. "Identifying Binding Constraints to Growth: Does Firm Size Matter?," IMF Working Papers 2015/003, International Monetary Fund.
    46. Ghani, Ejaz & Kerr, William R. & O'Connell, Stephen D., 2013. "The exceptional persistence of India's unorganized sector," Policy Research Working Paper Series 6454, The World Bank.
    47. Calcagno, Peter & Hefner, Frank, 2018. "Targeted Economic Incentives: An Analysis of State Fiscal Policy and Regulatory Conditions," Working Papers 07536, George Mason University, Mercatus Center.
    48. Roberto Ippoliti & Massimiliano Vatiero, 2014. "An analysis of how 2002 judicial reorganisation has impacted on the performance of the First Instance Courts (Preture) in Ticino," IdEP Economic Papers 1408, USI Università della Svizzera italiana.
    49. Paul A. Coomes & Jose Fernandez & Stephan F. Gohmann, 2013. "The Rate of Proprietorship Among Metropolitan Areas: The Impact of the Local Economic Environment and Capital Resources," Entrepreneurship Theory and Practice, , vol. 37(4), pages 745-770, July.
    50. Pourya Darnihamedani & Siri Terjesen, 2022. "Male and female entrepreneurs’ employment growth ambitions: the contingent role of regulatory efficiency," Small Business Economics, Springer, vol. 58(1), pages 185-204, January.
    51. Stel, Nora, 2012. "Entrepreneurship and innovation in a hybrid political order: The case of Lebanon," MERIT Working Papers 2012-078, United Nations University - Maastricht Economic and Social Research Institute on Innovation and Technology (MERIT).
    52. Polona Tominc, 2019. "Perceived Innovativeness and Competitiveness of Early-Stage Entrepreneurs," Croatian Economic Survey, The Institute of Economics, Zagreb, vol. 21(1), pages 87-108, June.
    53. Ghani, Ejaz & Kerr, William R. & O'Connell, Stephen D., 2013. "Female business ownership and informal sector persistence," Policy Research Working Paper Series 6612, The World Bank.
    54. Haryo Kuncoro, 2012. "Does The Local Economic Governance in Indonesiaperform an Improvement?," Bulletin of Monetary Economics and Banking, Bank Indonesia, vol. 15(1), pages 83-106, July.
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    56. Ghani,Syed Ejaz & Grover,Arti & Kerr,Sari & Kerr,William Robert, 2016. "Will market competition trump gender discrimination in India ?," Policy Research Working Paper Series 7814, The World Bank.
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    58. Marco Vivarelli, 2013. "Is entrepreneurship necessarily good? Microeconomic evidence from developed and developing countries," Industrial and Corporate Change, Oxford University Press and the Associazione ICC, vol. 22(6), pages 1453-1495, December.
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    62. Vivarelli, Marco, 2012. "Entrepreneurship in Advanced and Developing Countries: A Microeconomic Perspective," IZA Discussion Papers 6513, IZA Network @ LISER.
    63. Poschke, Markus, 2010. ""Entrepreneurs out of Necessity": A Snapshot," IZA Discussion Papers 4893, IZA Network @ LISER.
    64. 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.
    65. 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.
    66. Jean P. Sepulveda & Claudio Bonilla, 2010. "The attitude toward the risk of entrepreneurial activity: Evidence from Chile," Past Working Papers 03, Universidad del Desarrollo, School of Business and Economics, revised Aug 2010.
    67. Estrin, Saul & Korosteleva, Julia & Mickiewicz, Tomasz, 2009. "Better Means More: Property Rights and High-Growth Aspiration Entrepreneurship," IZA Discussion Papers 4396, IZA Network @ LISER.
    68. Elisa Ughetto & Mariacristina Rossi & David Audretsch & Erik E. Lehmann, 2020. "Female entrepreneurship in the digital era," Small Business Economics, Springer, vol. 55(2), pages 305-312, August.
    69. Antonio Ciccone & Elias Papaioannou, 2008. "Entry regulation and intersectoral reallocation," Economics Working Papers 1353, Department of Economics and Business, Universitat Pompeu Fabra.
    70. Roxana Gutiérrez-Romero & Luciana Mendez-Errico, 2017. "Does inequality foster or hinder the growth of entrepreneurship in the long-run?," Working Papers 83, Queen Mary, University of London, School of Business and Management, Centre for Globalisation Research.
    71. Silvia Magri, 2009. "The financing of small entrepreneurs in Italy," Annals of Finance, Springer, vol. 5(3), pages 397-419, June.
    72. Autio, Erkko, 2009. "The Finnish Paradox: The Curious Absence of High- Growth Entrepreneurship in Finland," Discussion Papers 1197, The Research Institute of the Finnish Economy.
    73. Giulia Faggio & Olmo Silva, 2012. "Does Self-Employment Measure Entrepreneurship? Evidence from Great Britain," SERC Discussion Papers 0109, Centre for Economic Performance, LSE.
    74. Denise Jackson, 2020. "Gauging the development of innovative capabilities in Accounting and Finance students: can they drive the national innovation agenda?," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 60(3), pages 2689-2715, September.
    75. González Espitia, Carlos Giovanni & Sarmiento Garcia, Victor Manuel & Arboleda Cuesta, Jhonnier Marcelo, 2023. "Determinantes de la aspiración al crecimiento del negocio de los emprendedores colombianos: el rol de algunas generaciones, Baby Boomers, Generación X y Millenials [Determinants of the growth aspiration of Colombian entrepreneurs: the Role of Some," 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. 35(1), pages 223-249, June.
    76. Cheikh T. Ndour & Simplice A. Asongu, 2025. "Fear to fail and entrepreneurship intent: examining linkages and potential pathways in Senegal," Quality & Quantity: International Journal of Methodology, Springer, vol. 59(1), pages 207-229, February.
    77. Gianluca Esposito & Mr. Sergi Lanau & Sebastiaan Pompe, 2014. "Judicial System Reform in Italy - A Key to Growth," IMF Working Papers 2014/032, International Monetary Fund.
    78. Papaioannou, Elias & Karatza, Stavroula, 2018. "The Greek Justice System: Collapse and Reform," CEPR Discussion Papers 12731, Centre for Economic Policy Research.
    79. Jean P. Sepulveda & Claudio Bonilla, 2014. "Determinants of the Risk Attitude in Entrepreneurship: Evidence from Latin America," Past Working Papers 18, Universidad del Desarrollo, School of Business and Economics.
    80. Faggio, Giulia & Silva, Olmo, 2014. "Self-employment and entrepreneurship in urban and rural labour markets," Journal of Urban Economics, Elsevier, vol. 84(C), pages 67-85.
    81. Comi, Simona & Grasseni, Mara & Resmini, Laura, 2021. "Can judicial efficiency improve territorial attractiveness to FDI? The Italian experience," European Journal of Political Economy, Elsevier, vol. 70(C).
    82. Sari Pekkala Kerr & William R. Kerr & Tina Xu, 2017. "Personality Traits of Entrepreneurs: A Review of Recent Literature," NBER Working Papers 24097, National Bureau of Economic Research, Inc.
    83. Helena Marques, 2017. "Gender, entrepreneurship and development: which policies matter?," Development Policy Review, Overseas Development Institute, vol. 35(2), pages 197-228, January.
    84. Peter Calcagno & Russell Sobel, 2014. "Regulatory costs on entrepreneurship and establishment employment size," Small Business Economics, Springer, vol. 42(3), pages 541-559, March.
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    86. Amnon Frenkel & Shlomo Maital & Eran Leck & Emil Israel, 2015. "Demand-Driven Innovation: An Integrative Systems-Based Review of the Literature," International Journal of Innovation and Technology Management (IJITM), World Scientific Publishing Co. Pte. Ltd., vol. 12(02), pages 1-31.
    87. Djankov, Simeon & Ramalho, Rita, 2009. "Employment laws in developing countries," Journal of Comparative Economics, Elsevier, vol. 37(1), pages 3-13, March.
    88. Alessandra Bonfiglioli, 2015. "Investor Protection and Income Inequality: Risk Sharing vs Risk Taking," Working Papers 461, Barcelona School of Economics.
    89. Guilherme Lichand & Rodrigo R. Soares, 2014. "Access to Justice and Entrepreneurship: Evidence from Brazil's Special Civil Tribunals," Journal of Law and Economics, University of Chicago Press, vol. 57(2), pages 459-499.
    90. Noel Saraf, 2015. "What Determines Entrepreneurial Intention in India?," Journal of Entrepreneurship and Innovation in Emerging Economies, Entrepreneurship Development Institute of India, vol. 1(1), pages 39-55, January.
    91. Estrin, Saul & Mickiewicz, Tomasz & Korosteleva, Julia, 2011. "Which Institutions Encourage Entrepreneurs to Create Larger Firms?," CEPR Discussion Papers 8247, Centre for Economic Policy Research.
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    93. Stephan F. Gohmann, 2012. "Institutions, Latent Entrepreneurship, and Self–Employment: An International Comparison," Entrepreneurship Theory and Practice, , vol. 36(2), pages 295-321, March.
    94. Llussá, Fernanda, 2009. "Financial Development, Gender and Entrepreneurship," MPRA Paper 26228, University Library of Munich, Germany.
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    96. Nicolò Barbieri & Ugo Rizzo, 2023. "The impact of crime on firm entry," Journal of Regional Science, Wiley Blackwell, vol. 63(2), pages 446-469, March.
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    98. Braunerhjelm, Pontus & Desai, Sameeksha & Eklund, Johan E., 2015. "Regulation, firm dynamics and entrepreneurship," Working Paper Series in Economics and Institutions of Innovation 405, Royal Institute of Technology, CESIS - Centre of Excellence for Science and Innovation Studies.
    99. Sameeksha Desai & Johan E. Eklund & Emma Lappi, 2020. "Entry Regulation and Persistence of Profits in Incumbent Firms," Review of Industrial Organization, Springer;The Industrial Organization Society, vol. 57(3), pages 537-558, November.
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  58. 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.

    Cited by:

    1. 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.
    2. 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.
    3. 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.
    4. Edgar E. Kausel & Erwin Hansen & Pablo Tapia, 2016. "Responsible Personal Finance: The Role of Conscientiousness in Bank and Pension Savings in Chile," International Review of Finance, International Review of Finance Ltd., vol. 16(1), pages 161-167, March.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. C. Andrew Lafond & Bruce Leauby, 2014. "Integrating Financial Literacy Concepts into the Introductory Financial Accounting Course," International Journal of Business and Social Research, LAR Center Press, vol. 4(5), pages 12-24, May.
    11. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    12. 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).
    13. Beata Swiecka & Eser Yeşildağ & Ercan Özen & Simon Grima, 2020. "Financial Literacy: The Case of Poland," Sustainability, MDPI, vol. 12(2), pages 1-17, January.
    14. 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.
    15. 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.
    16. Riya Sureka & Satish Kumar & Deepraj Mukherjee & Christina Theodoraki, 2023. "What restricts SMEs from adopting sophisticated capital budgeting practices?," Small Business Economics, Springer, vol. 60(1), pages 265-290, January.
    17. Annamaria Lusardi, 2008. "Financial Literacy: An Essential Tool for Informed Consumer Choice?," NFI Working Papers 2008-WP-13, Indiana State University, Scott College of Business, Networks Financial Institute.
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    19. Laily Dwi Arsyianti & Salina Kassim, 2018. "Financial Prudence through Financial Education: A Conceptual Framework for Financial Inclusion الاحتراز المالي من خلال التعليم المالي: إطار مفاهيمي للإدماج المالي," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 31(1), pages 151-166, January.
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  59. 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. 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.
    3. 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.

  60. 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. 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.
    2. 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.
    3. 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.
    4. Bruce Ian Carlin & David T. Robinson, 2010. "What Does Financial Literacy Training Teach Us?," NBER Working Papers 16271, National Bureau of Economic Research, Inc.
    5. 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.
    6. 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.
    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.

  61. 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. 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.
    2. 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).
    3. 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.
    4. 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.
    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. 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.
    7. 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.
    8. 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).
    9. 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.
    10. 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.
    11. 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).
    12. 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.
    13. Bucher-Koenen, Tabea & Koenen, Johannes, 2015. "Do Seemingly Smarter Consumers Get Better Advice?," MEA discussion paper series 201501, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    14. 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.
    15. 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, Econjournals, vol. 14(2), pages 207-217, March.
    16. Thomas Graeber & Christopher Roth & Constantin Schesch, 2024. "Explanations," ECONtribute Discussion Papers Series 291, University of Bonn and University of Cologne, Germany.
    17. 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.
    18. Beata Świecka & Paweł Terefenko & Tomasz Wiśniewski & Jingjian Xiao, 2021. "Consumer Financial Knowledge and Cashless Payment Behavior for Sustainable Development in Poland," Sustainability, MDPI, vol. 13(11), pages 1-18, June.
    19. Sekita, Shizuka & Kakkar, Vikas & Ogaki, Masao, 2022. "Wealth, Financial Literacy and Behavioral Biases in Japan: the Effects of Various Types of Financial Literacy," Journal of the Japanese and International Economies, Elsevier, vol. 64(C).
    20. Sholevar, Maryam & Harris, Laurence, 2019. "Mind the gap: A discussion paper on Financial Literacy, Financial behaviour and Financial Education : Is there any Gender Gap?," OSF Preprints b7zd6, Center for Open Science.
    21. Littlewood, Michael, 2014. "Ageing populations, retirement incomes and public policy: what really matters," MPRA Paper 56232, University Library of Munich, Germany.
    22. 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.
    23. Raymond Duch & Paulina Granados & Denise Laroze & Mauricio Lopez & Marian Ormeño & Ximena Quintanilla, 2021. "La Arquitectura De Elección Mejora La Selección De Pensiones," Working Papers 66, Superintendencia de Pensiones, revised Jan 2021.
    24. Paul Hallwood & Ronald MacDonald, 2014. "Picking The Right Budget Constraint For Scotland," Working Papers 2014_18, Business School - Economics, University of Glasgow.
    25. 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.
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    1051. 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.
    1052. Jackson T. Anderson & David M. Harrison & Michael J. Seiler, 2022. "Reducing Strategic Forbearance under the CARES Act: an Experimental Approach Utilizing Recourse Attestation," The Journal of Real Estate Finance and Economics, Springer, vol. 65(2), pages 230-260, August.
    1053. Anthony Bellofatto & Marie-Hélène Broihanne & Catherine D’Hondt, 2025. "Financial knowledge acquisition and trading behavior: empirical evidence from an online information tool," Financial Markets and Portfolio Management, Springer;Swiss Society for Financial Market Research, vol. 39(1), pages 1-45, March.
    1054. Vaarmets, Tarvo & Liivamägi, Kristjan & Talpsepp, Tõnn, 2019. "From academic abilities to occupation: What drives stock market participation?," Emerging Markets Review, Elsevier, vol. 39(C), pages 83-100.
    1055. Mohamad Hassan Abou Daya & Carole Bernard, 2022. "What matters in the annuitization decision?," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 158(1), pages 1-12, December.
    1056. Serkan Karadas, 2018. "Family ties and informed trading: evidence from Capitol Hill," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 42(2), pages 211-248, April.
    1057. Utz Weitzel & Michael Kirchler, 2022. "The Banker's Oath And Financial Advice," Working Papers 2022-13, Faculty of Economics and Statistics, Universität Innsbruck.
    1058. Heena Thanki & Sweety Shah & Vrajlal Sapovadia & Ankit D. Oza & Dumitru Doru Burduhos-Nergis, 2022. "Role of Gender in Predicting Determinant of Financial Risk Tolerance," Sustainability, MDPI, vol. 14(17), pages 1-13, August.
    1059. Cai, Yang & Chen, Shuo & Li, Dongxu, 2025. "The Long-term effect of social disasters on stock market participation," Journal of Corporate Finance, Elsevier, vol. 93(C).
    1060. Yasmeen Ansari & Mansour Saleh Albarrak & Noorjahan Sherfudeen & Arfia Aman, 2022. "A Study of Financial Literacy of Investors—A Bibliometric Analysis," IJFS, MDPI, vol. 10(2), pages 1-16, May.
    1061. Niu, Geng & Zhou, Yang & Gan, Hongwu, 2020. "Financial literacy and retirement preparation in China," Pacific-Basin Finance Journal, Elsevier, vol. 59(C).
    1062. Tsui-Yii Shih & Sheng-Chen Ke, 2014. "Determinates of financial behavior: insights into consumer money attitudes and financial literacy," Service Business, Springer;Pan-Pacific Business Association, vol. 8(2), pages 217-238, June.
    1063. Gabriel Garber & Sergio Mikio Koyama, 2016. "Policy-effective Financial Knowledge and Attitude Factors," Working Papers Series 430, Central Bank of Brazil, Research Department.
    1064. Beck, Thorsten, 2012. "Foreign Bank Ownership and Household Credit," Working Papers on Finance 1206, University of St. Gallen, School of Finance.
    1065. Andreas Oehler & Matthias Horn & Stefan Wendt & Lucia A. Reisch & Thomas J. Walker, 2018. "Young Adults and Their Finances: An International Comparative Study on Applied Financial Literacy," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 47(2-3), pages 305-330, July.
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    1067. E. Black, Sandra & J. Devereux, Paul & Lundborg, Etter & Majlesi, Kaveh, 2016. "No. 2015/2 :Learning to Take Risks? The Effects of Education on Risk-Taking in Finacial Markets," Knut Wicksell Working Paper Series 2015/2, Lund University, Knut Wicksell Centre for Financial Studies.
    1068. Mousumi Singha Mahapatra & Swati Alok & Jayasree Raveendran, 2017. "Financial Literacy of Indian Youth: A Study on the Twin Cities of Hyderabad–Secunderabad," IIM Kozhikode Society & Management Review, , vol. 6(2), pages 132-147, July.
    1069. Béatrice BOULU-RESHEF & Alexis DIRER & Nicole VON WILCZUR, 2022. "Algorithmic vs. Human Portfolio Choice," LEO Working Papers / DR LEO 2966, Orleans Economics Laboratory / Laboratoire d'Economie d'Orleans (LEO), University of Orleans.
    1070. 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.
    1071. Fan, Ying & Yavas, Abdullah, 2017. "How Does Mortgage Debt Affect Household Consumption? Micro Evidence from China," MPRA Paper 79306, University Library of Munich, Germany.
    1072. Konrad Grabiszewski & Alex Horenstein & Nicolo Bates, 2016. "Product-Consumer Substitution and Safety Regulation: Theory and Evidence from Simulation," Working Papers 2016-05, University of Miami, Department of Economics.
    1073. 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.
    1074. Chiou, Calvin J. & Zhou, Xiaozhou & Chan, Chang, 2022. "A taxonomy of individual liquidity provision: Evidence from the Taiwan stock exchange," Finance Research Letters, Elsevier, vol. 50(C).
    1075. Harun Aydilek & Asiye Aydilek, 2024. "Welfare costs of suboptimal retiree decisions," PLOS ONE, Public Library of Science, vol. 19(8), pages 1-29, August.
    1076. 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.
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    1078. Gunnar Gutsche & Bernhard Zwergel, 2020. "Investment Barriers and Labeling Schemes for Socially Responsible Investments," Schmalenbach Business Review, Springer;Schmalenbach-Gesellschaft, vol. 72(2), pages 111-157, April.
    1079. 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.
    1080. Attilio Gardini & Alessandro Magi, 2007. "Stock Market Participation: New Empirical Evidence from Italian Households'Behavior," Giornale degli Economisti, GDE (Giornale degli Economisti e Annali di Economia), Bocconi University, vol. 66(1), pages 93-114, March.
    1081. Siti Mujiatun & Budi Trianto & Eko Fajar Cahyono & Rahmayati, 2023. "The Impact of Marketing Communication and Islamic Financial Literacy on Islamic Financial Inclusion and MSMEs Performance: Evidence from Halal Tourism in Indonesia," Sustainability, MDPI, vol. 15(13), pages 1-20, June.
    1082. 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.
    1083. Chauhan, Yogesh & Dey, Dipanjan Kumar, 2020. "Does financial literacy affect the value of financial advice? A contingent valuation approach," Journal of Behavioral and Experimental Finance, Elsevier, vol. 25(C).
    1084. 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.
    1085. Mangrum, Daniel, 2022. "Personal finance education mandates and student loan repayment," Journal of Financial Economics, Elsevier, vol. 146(1), pages 1-26.
    1086. Binswanger, Johannes, 2012. "Life cycle saving: Insights from the perspective of bounded rationality," European Economic Review, Elsevier, vol. 56(3), pages 605-623.
    1087. Zhang, Chang & Yao, Bo & Zhang, Chenjing, 2025. "Basic public service equalization and household risk investment behavior," Finance Research Letters, Elsevier, vol. 73(C).
    1088. 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).
    1089. 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.
    1090. 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.
    1091. Thi Anh Nhu Nguyen, "undated". "Financing Constraints On Smes In Emerging Markets: Does Financial Literacy Matter?," Review of Socio - Economic Perspectives 201711, Reviewsep.
    1092. 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.
    1093. Leonardo Gambacorta & Luigi Guiso & Paolo Mistrulli & Andrea Pozzi & Anton Tsoy, 2017. "The Cost of Distorted Financial Advice - Evidence from the Mortgage Market," EIEF Working Papers Series 1713, Einaudi Institute for Economics and Finance (EIEF), revised Oct 2017.
    1094. Oli Ahad Thakur & Bany‐Ariffin Amin Noordin & Bolaji Tunde Matemilola & Md. Kausar Alam & Doddy Setiawan, 2022. "Impact of goodwill on capital structure and the moderating role of investors' education," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 43(7), pages 2657-2677, October.
    1095. 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.
    1096. Yemao Xia & Jinye Chen & Depeng Jiang, 2024. "Variational Bayesian analysis for two-part latent variable model," Computational Statistics, Springer, vol. 39(4), pages 2259-2290, June.
    1097. 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.
    1098. 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.
    1099. Baulkaran, Vishaal, 2022. "Personal bankruptcy and consumer credit delinquency: The case of personal finance education," International Review of Financial Analysis, Elsevier, vol. 81(C).
    1100. 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.
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    1102. Federico Belotti & Eloisa Campioni & Vittorio Larocca & Francesca Marazzi & Luca Panaccione & Andrea Piano Mortari, 2021. "Born to Run: Adaptive and Strategic Behavior in Experimental Bank-Run Games," CEIS Research Paper 529, Tor Vergata University, CEIS, revised 13 Dec 2021.
    1103. Arvid O. I. Hoffmann & Leonora Risse, 2020. "Do good things come in pairs? How personality traits help explain individuals' simultaneous pursuit of a healthy lifestyle and financially responsible behavior," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(3), pages 1082-1120, September.
    1104. 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.
    1105. Florian Gerth & Katia Lopez & Krishna Reddy & Vikash Ramiah & Damien Wallace & Glenn Muschert & Alex Frino & Leonie Jooste, 2021. "The Behavioural Aspects of Financial Literacy," JRFM, MDPI, vol. 14(9), pages 1-16, August.
    1106. 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).
    1107. 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.
    1108. Peijnenburg, Kim & Dimmock, Steve & Kouwenberg, Roy & Mitchell, Olivia S, 2018. "Household Portfolio Underdiversification and Probability Weighting: Evidence from the Field," CEPR Discussion Papers 13109, Centre for Economic Policy Research.
    1109. 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.
    1110. Sangmi Choi & Jayoung Cho, 2025. "The Dynamics From Financial Literacy to Economic Self-Sufficiency Among the Economically Disadvantaged Youths in South Korea: Applying the Knowledge, Attitude, and Behaviors Model," SAGE Open, , vol. 15(4), pages 21582440251, October.
    1111. Sureka, Riya & Kumar, Satish & Colombage, Sisira & Abedin, Mohammad Zoynul, 2022. "Five decades of research on capital budgeting – A systematic review and future research agenda," Research in International Business and Finance, Elsevier, vol. 60(C).
    1112. Jaroslava Hlouskova & Panagiotis Tsigaris, 2016. "The role of the marginal rate of substitution of wealth for a loss averse investor," Economics Bulletin, AccessEcon, vol. 36(4), pages 2250-2260.
    1113. Christos I. Giannikos & Efstathia Korkou, 2022. "Gender Differences in Risk-Taking Investment Strategies in Defined Contribution Plans," JRFM, MDPI, vol. 15(5), pages 1-18, May.
    1114. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).
    1115. Youssef Benzarti, 2020. "Estimating the Costs of Filing Tax Returns and the Potential Savings from Policies Aimed at Reducing These Costs," NBER Chapters, in: Tax Policy and the Economy, Volume 35, pages 55-85, National Bureau of Economic Research, Inc.

  63. 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. 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.
    2. Annamaria Lusardi, 2011. "Americans' Financial Capability," NBER Working Papers 17103, National Bureau of Economic Research, Inc.
    3. Annamaria Lusardi, 2008. "Financial Literacy: An Essential Tool for Informed Consumer Choice?," NBER Working Papers 14084, National Bureau of Economic Research, Inc.
    4. 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.
    5. Annamaria Lusardi, 2006. "Planning and Financial Literacy: How Do Women Fare?," Working Papers wp136, University of Michigan, Michigan Retirement Research Center.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    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).

  64. 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.

    Cited by:

    1. 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.
    2. Sharon Tennyson, 2011. "Consumers’ Insurance Literacy," NFI Policy Briefs 2011-PB-06, Indiana State University, Scott College of Business, Networks Financial Institute.
    3. Meier, Stephan & Sprenger, Charles, 2008. "Discounting Financial Literacy: Time Preferences and Participation in Financial Education Programs," IZA Discussion Papers 3507, IZA Network @ LISER.
    4. Brian Lucey & Michael Daly, 2013. "What Do The Irish Know About Economics," The Institute for International Integration Studies Discussion Paper Series iiisdp432, IIIS.
    5. Alfonso Arellano & Noelia Camara & David Tuesta, 2014. "The effect of self-confidence on financial literacy," Working Papers 1428, BBVA Bank, Economic Research Department.
    6. Tatom, John, 2010. "Financial wellbeing and some problems in assessing its link to financial education," MPRA Paper 26411, University Library of Munich, Germany.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. Uddin, Mohammed Ahmar, 2017. "Microinsurance in India: Insurance literacy and demand," Business and Economic Horizons (BEH), Prague Development Center (PRADEC), vol. 13(2).
    13. Thi Anh Nhu Nguyen, "undated". "Financing Constraints On Smes In Emerging Markets: Does Financial Literacy Matter?," Review of Socio - Economic Perspectives 201711, Reviewsep.

  65. 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.

    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. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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).
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    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. 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.
    16. 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.
    17. 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.
    18. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.
    19. 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.
    20. 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).
    21. 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.
    22. 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.
    23. Mariana Bunea & Liliana Ionescu Feleaga & Bogdan Stefan Ionescu, 2023. "The CEO characteristics and Romanian banks performance," E&M Economics and Management, Technical University of Liberec, Faculty of Economics, vol. 26(4), pages 99-118, December.
    24. Atasoy, Özgün & Trudel, Remi & Noseworthy, Theodore J. & Kaufmann, Patrick J., 2022. "Tangibility bias in investment risk judgments," Organizational Behavior and Human Decision Processes, Elsevier, vol. 171(C).
    25. Sicong Sun & Yu-Chih Chen, 2022. "Is Financial Capability a Determinant of Health? Theory and Evidence," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 744-755, December.
    26. Tsung-ming Yeh & Yue Ling, 2022. "Confidence in Financial Literacy, Stock Market Participation, and Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 169-186, March.
    27. Kathleen Malone & Susan Stewart & Jan Wilson & Peter Korsching, 2010. "Perceptions of Financial Well-Being among American Women in Diverse Families," Journal of Family and Economic Issues, Springer, vol. 31(1), pages 63-81, March.
    28. 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.
    29. Sangita Choudhary & Mohit Yadav & Anugamini Priya Srivastava, 2024. "Cognitive Biases Among Millennial Indian Investors: Do Personality and Demographic Factors Matter?," FIIB Business Review, , vol. 13(1), pages 106-117, January.
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    1. 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.
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    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. Duan, Zhimin & Yuan, Fangjie & Tian, Zhengjie, 2024. "Evaluating the effects of digital finance on urban poverty," Socio-Economic Planning Sciences, Elsevier, vol. 96(C).
    10. Kanin Anantanasuwong & Roy Kouwenberg & Olivia S. Mitchell & Kim Peijnenburg, 2024. "Ambiguity attitudes for real-world sources: field evidence from a large sample of investors," Experimental Economics, Springer;Economic Science Association, vol. 27(3), pages 548-581, July.
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    12. 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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    664. Nava Ashraf & Diego Aycinena & Claudia Martinez & Dean Yang, 2014. "Savings in Transnational Households: A Field Experiment among Migrants from El Salvador," NBER Working Papers 20024, National Bureau of Economic Research, Inc.
    665. 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).
    666. 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.
    667. Peijnenburg, Kim & Dimmock, Steve & Kouwenberg, Roy & Mitchell, Olivia S, 2018. "Household Portfolio Underdiversification and Probability Weighting: Evidence from the Field," CEPR Discussion Papers 13109, Centre for Economic Policy Research.
    668. 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.
    669. Daria Plotkina & Arvid O.I. Hoffmann & Patrick Roger & Catherine D’hondt, 2024. "Gender vs. personality: The role of masculinity in explaining cognitive style," Post-Print hal-04758211, HAL.
    670. Almenberg, Johan & Gerdes, Christer, 2011. "Exponential Growth Bias and Financial Literacy," IZA Discussion Papers 5814, IZA Network @ LISER.
    671. Harvey, Melody & Urban, Carly, 2023. "Does financial education affect retirement savings?," The Journal of the Economics of Ageing, Elsevier, vol. 24(C).

  68. 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. 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.
    2. Pericoli, Filippo Maria & Ventura, Luigi, 2011. "Family dissolution and precautionary savings: an empirical analysis," MPRA Paper 36354, University Library of Munich, Germany.
    3. 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.
    4. Yin, Penghui, 2021. "Optimal attention and heterogeneous precautionary saving behavior," Journal of Economic Dynamics and Control, Elsevier, vol. 131(C).
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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-.
    11. Brown, Sarah & Ghosh, Pulak & Pareek, Bhuvanesh & Taylor, Karl, 2017. "Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data," IZA Discussion Papers 10910, IZA Network @ LISER.
    12. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    13. 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.
    14. Corina Boar, 2020. "Dynastic Precautionary Savings," NBER Working Papers 26635, National Bureau of Economic Research, Inc.
    15. 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.
    16. 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.
    17. Xing, Victor, 2016. "Higher Return for Savers and a Path toward Higher Investment," MPRA Paper 77806, University Library of Munich, Germany.
    18. 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.
    19. 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.
    20. Tokuoka, Kiichi, 2013. "Saving response to unemployment of a sibling," Journal of Economic Behavior & Organization, Elsevier, vol. 89(C), pages 58-75.
    21. Corina Boar, 2021. "Dynastic Precautionary Savings [“Deconstructing Life Cycle Expenditure”]," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2735-2765.
    22. Corina Boar, 2017. "Dynastic Precautionary Savings," 2017 Meeting Papers 343, Society for Economic Dynamics.
    23. 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.
    24. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    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.

  69. 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.

    Cited by:

    1. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    2. 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, Econjournals, vol. 14(5), pages 47-61, September.
    3. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," Working Papers halshs-00585994, HAL.
    4. 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.
    5. Christopher D. Carroll & Miles S. Kimball, 2006. "Precautionary Saving and Precautionary Wealth," Economics Working Paper Archive 530, The Johns Hopkins University,Department of Economics.
    6. 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.
    7. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    8. 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.
    9. 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.
    10. 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).
    11. 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.
    12. 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.
    13. Marco Percoco, 2015. "Homeownership and saving preferences: evidence from Italy," Letters in Spatial and Resource Sciences, Springer, vol. 8(2), pages 141-149, July.
    14. 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.
    15. 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).
    16. 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.

  70. 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. 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.
    2. Pericoli, Filippo Maria & Ventura, Luigi, 2011. "Family dissolution and precautionary savings: an empirical analysis," MPRA Paper 36354, University Library of Munich, Germany.
    3. 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.
    4. Yin, Penghui, 2021. "Optimal attention and heterogeneous precautionary saving behavior," Journal of Economic Dynamics and Control, Elsevier, vol. 131(C).
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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-.
    11. Brown, Sarah & Ghosh, Pulak & Pareek, Bhuvanesh & Taylor, Karl, 2017. "Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data," IZA Discussion Papers 10910, IZA Network @ LISER.
    12. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    13. 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.
    14. Corina Boar, 2020. "Dynastic Precautionary Savings," NBER Working Papers 26635, National Bureau of Economic Research, Inc.
    15. 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.
    16. 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.
    17. Xing, Victor, 2016. "Higher Return for Savers and a Path toward Higher Investment," MPRA Paper 77806, University Library of Munich, Germany.
    18. 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.
    19. 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.
    20. Tokuoka, Kiichi, 2013. "Saving response to unemployment of a sibling," Journal of Economic Behavior & Organization, Elsevier, vol. 89(C), pages 58-75.
    21. Corina Boar, 2021. "Dynastic Precautionary Savings [“Deconstructing Life Cycle Expenditure”]," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2735-2765.
    22. Corina Boar, 2017. "Dynastic Precautionary Savings," 2017 Meeting Papers 343, Society for Economic Dynamics.
    23. 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.
    24. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    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.

  71. 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. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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).
    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. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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).
    12. 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.
    13. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Sciendo, vol. 11(2), pages 117-131, October.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. Karen Arulsamy, 2022. "The impact of adolescent psychological distress on access and participation in employer sponsored pension plans in the US," Working Papers 202201, Geary Institute, University College Dublin.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. Joshua Blumenstock & Michael Callen & Tarek Ghani, 2017. "Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan," NBER Working Papers 23590, National Bureau of Economic Research, Inc.
    27. 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.
    28. Robert L. Clark & Jennifer A. Maki & Melinda Sandler Morrill, 2014. "Can Simple Informational Nudges Increase Employee Participation in a 401(k) Plan?," Southern Economic Journal, John Wiley & Sons, vol. 80(3), pages 677-701, January.
    29. 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.
    30. 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.
    31. 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).
    32. 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".
    33. Ghafoori, Eraj & Ip, Edwin & Kabátek, Jan, 2021. "The impacts of a large-scale financial education intervention on retirement saving behaviors and portfolio allocation: Evidence from pension fund data," Journal of Banking & Finance, Elsevier, vol. 130(C).
    34. 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.
    35. Schoofs, Annekathrin, 2022. "Promoting financial inclusion for savings groups: A financial education programme in rural Rwanda," Journal of Behavioral and Experimental Finance, Elsevier, vol. 34(C).
    36. Luigi Guiso & Tullio Jappelli, 2009. "Financial Literacy and Portfolio Diversification," CSEF Working Papers 212, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    37. 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.
    38. Annamaria Lusardi & Olivia S. Mitchell, 2008. "Planning and Financial Literacy: How Do Women Fare?," NBER Working Papers 13750, National Bureau of Economic Research, Inc.
    39. Douissa, Ismail Ben, 2020. "Factors affecting College students’ multidimensional financial literacy in the Middle East," International Review of Economics Education, Elsevier, vol. 35(C).
    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. Shin, Su Hyun & Kim, Kyoung Tae & Seay, Martin, 2020. "Sources of information and portfolio allocation," Journal of Economic Psychology, Elsevier, vol. 76(C).
    42. Firth, Chris, 2020. "Protecting investors from themselves: Evidence from a regulatory intervention," Journal of Behavioral and Experimental Finance, Elsevier, vol. 27(C).
    43. Claude Bernard Lontchi & Baochen Yang & Yunpeng Su, 2022. "The Mediating Effect of Financial Literacy and the Moderating Role of Social Capital in the Relationship between Financial Inclusion and Sustainable Development in Cameroon," Sustainability, MDPI, vol. 14(22), pages 1-24, November.
    44. 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.
    45. 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, Econjournals, vol. 6(1), pages 73-79.
    46. 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.
    47. 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.
    48. 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.
    49. Back, Camila & Morana, Stefan & Spann, Martin, 2023. "When do robo-advisors make us better investors? The impact of social design elements on investor behavior," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 103(C).
    50. Fort, Margherita & Manaresi, Francesco & Trucchi, Serena, 2012. "Banks Information Policies, Financial Literacy and Household Wealth," IZA Discussion Papers 6989, IZA Network @ LISER.
    51. Gopi Shah Goda & Matthew R. Levy & Colleen Flaherty Manchester & Aaron Sojourner & Joshua Tasoff & Jiusi Xiao, 2022. "Are Retirement Planning Tools Substitutes or Complements to Financial Capability?," Upjohn Working Papers 22-378, W.E. Upjohn Institute for Employment Research.
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    3. 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.
    4. 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.
    5. Katrin Rabitsch & Christian Schoder, 2016. "Buffer stock savings in a New-Keynesian business cycle model," Department of Economics Working Papers wuwp231, Vienna University of Economics and Business, Department of Economics.
    6. Luc Arrondel & Hector Calvo Pardo, 2008. "Les Français sont-ils prudents ? Patrimoine et risque sur les revenus des ménages," Working Papers halshs-00585994, HAL.
    7. 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.
    8. 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.).
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Joyce, Matthew & Singh, Aarti, 2025. "Income uncertainty, precautionary wealth, and social insurance," European Economic Review, Elsevier, vol. 175(C).
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. Marco Percoco, 2015. "Homeownership and saving preferences: evidence from Italy," Letters in Spatial and Resource Sciences, Springer, vol. 8(2), pages 141-149, July.
    21. 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.
    22. 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.
    23. 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.
    24. Carroll, Christopher D. & Holm, Martin B. & Kimball, Miles S., 2021. "Liquidity constraints and precautionary saving," Journal of Economic Theory, Elsevier, vol. 195(C).
    25. 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.
    26. 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.
    27. 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).
    28. 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.
    29. 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.
    30. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    31. Horvath, Jaroslav & Lahtinen, Kyre Dane, 2025. "Cross-country gender bias and corporate cash holdings," Finance Research Letters, Elsevier, vol. 75(C).

  73. 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.

  74. 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. 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.
    2. 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.
    3. 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.
    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.

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

    Cited by:

    1. 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.
    2. Stratford, Beth, 2020. "The Threat of Rent Extraction in a Resource-constrained Future," Ecological Economics, Elsevier, vol. 169(C).
    3. 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).
    4. Cigno, Alessandro, 2008. "Is there a social security tax wedge," Labour Economics, Elsevier, vol. 15(1), pages 68-77, February.
    5. 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," IFS Working Papers W23/35, Institute for Fiscal Studies.
    6. Blundell, Richard & Pistaferri, Luigi & Saporta-Eksten, Itay, 2012. "Consumption Inequality and Family Labor Supply," CEPR Discussion Papers 9172, Centre for Economic Policy Research.
    7. Jeffrey R. Campbell & Zvi Hercowitz, 2004. "The dynamics of work and debt," Working Paper Series WP-04-05, Federal Reserve Bank of Chicago.
    8. Sangyup Choi & Junhyeok Shin, 2020. "Household Indebtedness and the Macroeconomic Effects of Tax Changes," Working papers 2020rwp-178, Yonsei University, Yonsei Economics Research Institute.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. 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).
    17. 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.
    18. 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.
    19. 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).
    20. 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.
    21. Tommaso Aquilante & Luca Livio & Tom Potoms, 2020. "On-the-job training and intra-family dynamics," Bank of England working papers 873, Bank of England.
    22. Renata Bottazzi & Hamish Low & Matthew Wakefield, 2007. "Why do home owners work longer hours?," IFS Working Papers W07/10, Institute for Fiscal Studies.
    23. 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.
    24. Jeffrey R. Campbell & Zvi Hercowitz, 2011. "The financial labor supply accelerator," Working Paper Series WP-2011-05, Federal Reserve Bank of Chicago.
    25. Fabio Blasutto, 2024. "Cohabitation VS. Marriage: Mating Strategies by Education in the Usa," ULB Institutional Repository 2013/364795, ULB -- Universite Libre de Bruxelles.
    26. 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.
    27. 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.
    28. Kim, Wongi, 2023. "Private sector debt overhang and government spending multipliers: Not all debts are alike," European Economic Review, Elsevier, vol. 154(C).
    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.

  76. 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.

  77. 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.

  78. 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. Bunting, David, 2009. "The saving decline: Macro-facts, micro-behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 70(1-2), pages 282-295, May.
    2. 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.
    3. Illing, Gerhard & Klüh, Ulrich, 2004. "Vermögenspreise und Konsum," Discussion Papers in Economics 316, University of Munich, Department of Economics.
    4. 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.
    5. 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.
    6. Martin Browning & Thomas F. Crossley, 2001. "The Life-Cycle Model of Consumption and Saving," Journal of Economic Perspectives, American Economic Association, vol. 15(3), pages 3-22, Summer.
    7. 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.
    8. Annamaria Lusardi & Jonathan Skinner & Steven Venti, 2003. "Pension Accounting & Personal Saving," Just the Facts jtf8, Center for Retirement Research.
    9. 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.
    10. 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.
    11. 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.
    12. International Monetary Fund, 2005. "Ireland: Selected Issues," IMF Staff Country Reports 2005/370, International Monetary Fund.
    13. Frank N. Caliendo, 2009. "Is Social Security behind the Collapse of Personal Saving?," CESifo Working Paper Series 2746, CESifo.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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).
    19. Ms. Marialuz Moreno Badia, 2006. "Who Saves in Ireland? The Micro Evidence," IMF Working Papers 2006/131, International Monetary Fund.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. Johann K. Brunner & Susanne Pech, 2001. "Die Dritte Säule der Altersvorsorge," Economics working papers 2001-09, Department of Economics, Johannes Kepler University Linz, Austria.
    25. 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.
    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.

  79. 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. 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).
    3. 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.
    4. 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.
    5. Annamaria Lusardi, 2003. "The Impact of Financial Education on Savings and Asset," Working Papers wp061, University of Michigan, Michigan Retirement Research Center.
    6. 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).
    7. 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.
    8. 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.
    9. 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, Sciendo, vol. 18(2), pages 220-233.
    10. Leung, Charles, 2004. "Macroeconomics and housing: a review of the literature," Journal of Housing Economics, Elsevier, vol. 13(4), pages 249-267, December.
    11. 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.

  80. 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. 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.
    4. Jie Zhou & James MacGee, 2014. "Private Pensions, Retirement Wealth and Lifetime Earnings," 2014 Meeting Papers 181, Society for Economic Dynamics.
    5. Martin Browning & Thomas F. Crossley, 2001. "The Life-Cycle Model of Consumption and Saving," Journal of Economic Perspectives, American Economic Association, vol. 15(3), pages 3-22, Summer.
    6. Marco Cagetti & Mariacristina De Nardi, 2005. "Wealth inequality: data and models," Working Paper Series WP-05-10, Federal Reserve Bank of Chicago.
    7. 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.
    8. John Ameriks & Andrew Caplin & John Leahy, 2002. "Wealth Accumulation and the Propensity to Plan," NBER Working Papers 8920, National Bureau of Economic Research, Inc.
    9. 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.
    10. 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.
    11. Normann, Marcel & Langer, Thomas, 2001. "Altersvorsorge, Konsumwunsch und mangelnde Selbstdisziplin : zur Relevanz deskriptiver Theorien für die Gestaltung von Altersvorsorgeprodukten," Papers 01-40, Sonderforschungsbreich 504.
    12. 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.
    13. 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.
    14. 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.
    15. Fang Yang, 2006. "Accounting for the Heterogeneity in Retirement Wealth," 2006 Meeting Papers 94, Society for Economic Dynamics.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    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.

  81. 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. 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.
    2. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    3. 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.
    4. Abdul Jalil, Ahmad Zafarullah, 2009. "The importance of precautionary saving motive among Indonesian households," MPRA Paper 25189, University Library of Munich, Germany.
    5. Arthur Kennickell & Annamaria Lusardi, 2004. "Disentangling the Importance of the Precautionary Saving Mode," NBER Working Papers 10888, National Bureau of Economic Research, Inc.
    6. 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.

  82. 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. 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.
    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. 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.
    4. 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.
    5. 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.
    6. van Santen, Peter, 2016. "Uncertain pension income and household saving," Working Paper Series 330, Sveriges Riksbank (Central Bank of Sweden).
    7. Cobb-Clark, Deborah A. & Hildebrand, Vincent A., 2004. "The Wealth of Mexican Americans," IZA Discussion Papers 1150, IZA Network @ LISER.
    8. 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.
    9. Stefan Hochguertel & Henry Ohlsson, 2009. "Compensatory inter vivos gifts," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 24(6), pages 993-1023.
    10. 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.
    11. 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.
    12. Martin Browning & Thomas F. Crossley & Melanie Lührmann, 2016. "Durable Purchases over the Later Life Cycle," Oxford Bulletin of Economics and Statistics, Department of Economics, University of Oxford, vol. 78(2), pages 145-169, April.
    13. 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.
    14. 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.
    15. 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.
    16. Miriam Gensowski & Mette Goertz & Stefanie Schurer, 2020. "Inequality in Personality over the Life Cycle," CEBI working paper series 20-16, University of Copenhagen. Department of Economics. The Center for Economic Behavior and Inequality (CEBI).
    17. 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.
    18. Anna van der Schors & Rob Alessie & Mauro Mastrogiacomo, 2007. "Home and mortgage ownership of the Dutch elderly; explaining cohort, time and age effects," CPB Discussion Paper 77, CPB Netherlands Bureau for Economic Policy Analysis.
    19. 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.
    20. 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.
    21. 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.
    22. Arie Kapteyn, 2010. "What can we learn from (and about) global aging?," Demography, Springer;Population Association of America (PAA), vol. 47(1), pages 191-209, March.
    23. 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.
    24. 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.
    25. 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).
    26. Halvorsen, Elin, 2003. "A Cohort Analysis of Household Saving in Norway," Memorandum 36/2002, Oslo University, Department of Economics.
    27. 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).
    28. 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.
    29. Andersson, Björn, 2001. "Portfolio Allocation over the Life Cycle: Evidence from Swedish Household Data," Working Paper Series 2001:4, Uppsala University, Department of Economics.
    30. 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.
    31. Georgarakos, Dimitris & Haliassos, Michalis & Pasini, Giacomo, 2013. "Household debt and social interactions," SAFE Working Paper Series 1, Leibniz Institute for Financial Research SAFE, revised 2013.
    32. 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".
    33. Elin Halvorsen, 2003. "A Cohort Analysis of Household Saving in Norway," Discussion Papers 354, Statistics Norway, Research Department.
    34. 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".
    35. 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.
    36. 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.
    37. Meng, Xin, 2007. "Wealth Accumulation and Distribution in Urban China," IZA Discussion Papers 2553, IZA Network @ LISER.
    38. Erin Ruel & Robert Hauser, 2013. "Explaining the Gender Wealth Gap," Demography, Springer;Population Association of America (PAA), vol. 50(4), pages 1155-1176, August.
    39. 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.
    40. 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.
    41. 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.
    42. Mario Izquierdo & Aitor Lacuesta & Raquel Vegas, 2009. "Assimilation of immigrants in Spain: A longitudinal analysis," Working Papers 0904, Banco de España.
    43. 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.
    44. David Sturrock, 2023. "Wealth and welfare across generations," IFS Working Papers W23/15, Institute for Fiscal Studies.
    45. 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.
    46. Blau, David M., 2011. "Pensions, Household Saving, and Welfare: A Dynamic Analysis," IZA Discussion Papers 5554, IZA Network @ LISER.
    47. Pasini, Giacomo & Alessie, Rob & Kalwij, Adriaan, 2024. "When you need it or when I die? Timing of monetary transfers from parents to children," Research in Economics, Elsevier, vol. 78(3).
    48. 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.
    49. Moro, Daniele, 2008. "Market And Policy Issues In Micro-Econometric Demand Modeling," 107th Seminar, January 30-February 1, 2008, Sevilla, Spain 6500, European Association of Agricultural Economists.
    50. Raun Ooijen & Rob Alessie & Adriaan Kalwij, 2015. "Saving Behavior and Portfolio Choice After Retirement," De Economist, Springer, vol. 163(3), pages 353-404, September.
    51. Federico Perali & David Aristei & Luca Pieroni, 2005. "Cohort analysis of alcohol consumption: a double hurdle approach," CHILD Working Papers wp09_05, CHILD - Centre for Household, Income, Labour and Demographic economics - ITALY.
    52. 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.
    53. Siminski, Peter & Yu, Sin Hung, 2021. "The Correlation of Wealth between Parents and Children in Australia," IZA Discussion Papers 14784, IZA Network @ LISER.
    54. 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).
    55. Jonathan Crook & Stefan Hochguertel, 2007. "US and European Household Debt and Credit Constraints," Tinbergen Institute Discussion Papers 07-087/3, Tinbergen Institute.
    56. 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.
    57. 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.
    58. 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.
    59. 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.
    60. 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.
    61. M. Baldini & C. Mazzaferro, 2000. "Transizione demografica e formazione del risparmio delle famiglie italiane," Working Papers 366, Dipartimento Scienze Economiche, Universita' di Bologna.
    62. 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.
    63. 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.
    64. 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.
    65. Rob Alessie & Joppe Ree, 2009. "Explaining The Hump In Life Cycle Consumption profiles," De Economist, Springer, vol. 157(1), pages 107-120, March.
    66. 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.
    67. R. Bottazzi & T. Crossley & M. Wakefield, 2011. "House Prices and Home Ownership: a Cohort Analysis," Working Papers wp790, Dipartimento Scienze Economiche, Universita' di Bologna.
    68. Fadejeva, Ludmila & Kantur, Zeynep, 2023. "Wealth distribution and monetary policy," Economic Modelling, Elsevier, vol. 125(C).
    69. 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.
    70. 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.
    71. 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.
    72. 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.
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    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. 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.
    5. 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.
    6. 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.
    7. 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.
    8. Bunting, David, 2009. "The saving decline: Macro-facts, micro-behavior," Journal of Economic Behavior & Organization, Elsevier, vol. 70(1-2), pages 282-295, May.
    9. Jan Tin, 2008. "The Life-Cycle Motive and Money Demand: Further Evidence," Economics Bulletin, AccessEcon, vol. 5(18), pages 1-12.
    10. Jonathan Gruber & Aaron Yelowitz, 1997. "Public Health Insurance and Private Savings," NBER Working Papers 6041, National Bureau of Economic Research, Inc.
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. Felipe Kast & Dina Pomeranz, 2013. "Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile," Harvard Business School Working Papers 14-001, Harvard Business School, revised Jun 2014.
    17. FERROUHI, El Mehdi & LEHADIRI, Abderrassoul, 2014. "Savings Determinants of Moroccan banks: A cointegration modeling approach," MPRA Paper 76371, University Library of Munich, Germany.
    18. David Card & Raj Chetty & Andrea Weber, 2006. "Cash-on-Hand and Competing Models of Intertemporal Behavior: New Evidence from the Labor Market," NBER Working Papers 12639, National Bureau of Economic Research, Inc.
    19. Anderson, G. & Linton, O. & Pittau, M G. & Whang, Y-J. & Zelli, R., 2020. "On Unit Free Assessment of The Extent of Multilateral Distributional Variation," Cambridge Working Papers in Economics 20123, Faculty of Economics, University of Cambridge.
    20. Jieying Li & Xin Zhang, 2018. "House Prices, Home Equity, and Personal Debt Composition," 2018 Meeting Papers 661, Society for Economic Dynamics.
    21. 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.
    22. Anikó Bíró, 2013. "Subjective mortality hazard shocks and the adjustment of consumption expenditures," Journal of Population Economics, Springer;European Society for Population Economics, vol. 26(4), pages 1379-1408, October.
    23. Christian E. Weller, 2009. "Did Retirees Save Enough to Compensate for the Increase in Individual Risk Exposure?," Working Papers wp206, Political Economy Research Institute, University of Massachusetts at Amherst.
    24. Lusardi, Annamaria, 1997. "Precautionary saving and subjective earnings variance," Economics Letters, Elsevier, vol. 57(3), pages 319-326, December.
    25. Jonathan A. Parker, 2001. "The Consumption Risk of the Stock Market," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 32(2), pages 279-348.
    26. Havranek, Tomas & Horvath, Roman & Irsova, Zuzana & Rusnak, Marek, 2015. "Cross-country heterogeneity in intertemporal substitution," Journal of International Economics, Elsevier, vol. 96(1), pages 100-118.
    27. Caliendo, Frank & Aadland, David, 2007. "Short-term planning and the life-cycle consumption puzzle," Journal of Economic Dynamics and Control, Elsevier, vol. 31(4), pages 1392-1415, April.
    28. Charles Yuji Horioka, 2026. "The Impact of Population Aging on the Household Saving Rate: The Case of Japan," ISER Discussion Paper 1301, Institute of Social and Economic Research, The University of Osaka.
    29. Salvador Navarro & Jin Zhou, 2017. "Identifying Agent's Information Sets: an Application to a Lifecycle Model of Schooling, Consumption, and Labor Supply," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 25, pages 58-92, April.
    30. 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).
    31. Patricia Apps & Ray Rees, 2007. "Population Ageing, Taxation, pensions and Health Costs," Australian Journal of Labour Economics (AJLE), Bankwest Curtin Economics Centre (BCEC), Curtin Business School, vol. 10(2), pages 79-97.
    32. Dobkin, Carlos & Puller, Steven L., 2007. "The effects of government transfers on monthly cycles in drug abuse, hospitalization and mortality," Journal of Public Economics, Elsevier, vol. 91(11-12), pages 2137-2157, December.
    33. Mondher bellalah & Olivier Levyne & Omar Masood, 2013. "Does co-integration and causal relationship exist between the non-stationary variables for Chinese bank’s profitability? Empirical evidence," Thema Working Papers 2013-14, THEMA (Théorie Economique, Modélisation et Applications), CY Cergy-Paris University, ESSEC and CNRS.
    34. Edgar E. Kausel & Erwin Hansen & Pablo Tapia, 2016. "Responsible Personal Finance: The Role of Conscientiousness in Bank and Pension Savings in Chile," International Review of Finance, International Review of Finance Ltd., vol. 16(1), pages 161-167, March.
    35. Orbeta, Aniceto Jr. C. Author_Email:, 2007. "Impact of Children on Household Savings in the Philippines," Philippine Journal of Development, Philippine Institute for Development Studies.
    36. 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.
    37. Francisco Alvarez-Cuadrado & Ngo Van Long, 2008. "The Relative Income Hypothesis," CIRANO Working Papers 2008s-18, CIRANO.
    38. Jan Willem Gunning, 2008. "Risk and Savings: a Taxonomy," Tinbergen Institute Discussion Papers 08-071/2, Tinbergen Institute.
    39. Ludmila Nivorozhkina & Anton Nivorozhkin & Kamilla Abazieva, 2010. "Drop in consumption associated with retirement. The regression discontinuity design approach," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), vol. 19(3), pages 112-126.
    40. Wheeler-Brooks, Jennifer, 2011. "How parents decide to participate and save in their children's asset-building accounts: Implications for practice, policy, and theory," Children and Youth Services Review, Elsevier, vol. 33(6), pages 955-962, June.
    41. Miguel Sánchez Romero & Joze Sambt & Alexia Prskawetz, 2012. "Quantifying the role of alternative pension reforms on the Austrian economy," MPIDR Working Papers WP-2012-026, Max Planck Institute for Demographic Research, Rostock, Germany.
    42. Giamboni, Luigi & Millemaci, Emanuele & Waldmann, Robert, 2007. "Evaluating how predictable errors in expected income affect consumption," MPRA Paper 12939, University Library of Munich, Germany.
    43. M.C.J. van Rooij & C.J.M. Kool & H.M. Prast, 2005. "Risk-return preferences in the pension domain: are people able to choose?," Working Papers 05-04, Utrecht School of Economics.
    44. Aaberge, Rolf & Liu, Kai & Zhu, Yu, 2014. "Political Uncertainty and Household Savings," Discussion Paper Series in Economics 34/2014, Norwegian School of Economics, Department of Economics.
    45. Damien Echevin, 1999. "Nouvelles approches des comportements d'épargne et de consommation," Économie et Statistique, Programme National Persée, vol. 324(1), pages 9-18.
    46. Rószkiewicz, Małgorzata, . "Tworzenie zabezpieczenia materialnego w świetle badań polskich gospodarstw domowych," Gospodarka Narodowa-The Polish Journal of Economics, Szkoła Główna Handlowa w Warszawie / SGH Warsaw School of Economics, vol. 2006(4).
    47. Todd W. Allen & Christopher D. Carroll, 2001. "Individual Learning About Consumption," NBER Working Papers 8234, National Bureau of Economic Research, Inc.
    48. Melvin Stephens, Jr. & Takashi Unayama, 2010. "The Consumption Response to Seasonal Income: Evidence from Japanese Public Pension Benefits," NBER Working Papers 16342, National Bureau of Economic Research, Inc.
    49. Jeremy Tobacman & David Laibson & Andrea Repetto, 2007. "Estimating Discount Functions with Consumption Choices over the Lifecycle," Economics Series Working Papers 341, University of Oxford, Department of Economics.
    50. Hansen, Henrik & Tarp, Finn, 1999. "Aid Effectiveness Disputed," MPRA Paper 62290, University Library of Munich, Germany.
    51. Kirsanova, Tatiana & Sefton, James, 2007. "A comparison of national saving rates in the UK, US and Italy," European Economic Review, Elsevier, vol. 51(8), pages 1998-2028, November.
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    10. Del Boca, Daniela & Lusardi, Annamaria, 2002. "Credit Market Constraints and Labor Market Decisions," IZA Discussion Papers 598, IZA Network @ LISER.
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    21. 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.
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    27. 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.
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    30. 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.
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    32. 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.
    33. 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.
    34. 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.
    35. 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.
    36. 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.
    37. 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.
    38. 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.
    39. 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.
    40. 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.
    41. Parantap Basu & Sigit Sulistiyo Wibowo, 2015. "An Empirical Investigation of Risk Sharing among Indonesian Households," CEMAP Working Papers 2015_02, Durham University Business School.
    42. 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.
    43. 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.
    44. James X. Sullivan, 2008. "Borrowing During Unemployment: Unsecured Debt as a Safety Net," Journal of Human Resources, University of Wisconsin Press, vol. 43(2), pages 383-412.
    45. Filer, Larry & Fisher, Jonathan D., 2007. "Do liquidity constraints generate excess sensitivity in consumption? New evidence from a sample of post-bankruptcy households," Journal of Macroeconomics, Elsevier, vol. 29(4), pages 790-805, December.
    46. 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.
    47. 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).
    48. 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.
    49. 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.
    50. Davoine, Thomas, 2012. "Time constraints, saving and old age," Economics Working Paper Series 1221, University of St. Gallen, School of Economics and Political Science.
    51. Manuela Deidda, 2014. "Precautionary saving under liquidity constraints: evidence from Italy," Empirical Economics, Springer, vol. 46(1), pages 329-360, February.
    52. Andrew Benito, 2007. "Housing equity as a buffer: evidence from UK households," Bank of England working papers 324, Bank of England.
    53. Fabrizio Perri & Dirk Krueger, 2008. "How does Household Consumption Respond to Income Shocks? Evidence and Theory," 2008 Meeting Papers 910, Society for Economic Dynamics.
    54. Rossi, Mariacristina & Trucchi, Serena, 2016. "Liquidity constraints and labor supply," European Economic Review, Elsevier, vol. 87(C), pages 176-193.
    55. 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.
    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.

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

    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. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Hochgürtel, S. & van Soest, A.H.O., 1996. "The Relation Between Financial and Housing Wealth of Dutch Households," Other publications TiSEM db5f1307-aa5a-4a4b-bec2-f, Tilburg University, School of Economics and Management.
    7. 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.
    8. 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.
    9. Raffaelle Miniaci & Chiara Monfardini & Guglielmo Weber, 2003. "Is there a retirement consumption puzzle in Italy?," IFS Working Papers W03/14, Institute for Fiscal Studies.
    10. Anna van der Schors & Rob Alessie & Mauro Mastrogiacomo, 2007. "Home and mortgage ownership of the Dutch elderly; explaining cohort, time and age effects," CPB Discussion Paper 77, CPB Netherlands Bureau for Economic Policy Analysis.
    11. 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.
    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. 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.
    14. Charles Yuji Horioka & Luigi Ventura, 2022. "Do the Retired Elderly in Europe Decumulate Their Wealth? The Importance of Bequest Motives, Precautionary Saving, Public Pensions, and Homeownership," ISER Discussion Paper 1189, Institute of Social and Economic Research, The University of Osaka.
    15. Raun Ooijen & Rob Alessie & Adriaan Kalwij, 2015. "Saving Behavior and Portfolio Choice After Retirement," De Economist, Springer, vol. 163(3), pages 353-404, September.
    16. 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.
    17. Anna Schors & Rob Alessie & Mauro Mastrogiacomo, 2007. "Notes and Communications," De Economist, Springer, vol. 155(1), pages 99-121, March.

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

    Cited by:

    1. 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.
    2. Alba Lugilde & Roberto Bande & Dolores Riveiro, 2018. "Precautionary saving in Spain during the great recession: evidence from a panel of uncertainty indicators," Review of Economics of the Household, Springer, vol. 16(4), pages 1151-1179, December.
    3. 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.
    4. Gourinchas, P.O. & Parker, J.A., 1997. "Consumption Over the Life Cycle," Working papers 9722, Wisconsin Madison - Social Systems.
    5. 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.
    6. 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.

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

    Cited by:

    1. Orazio P. Attanasio, 1994. "The Intertemporal Allocation of Consumption: Theory and Evidence," NBER Working Papers 4811, National Bureau of Economic Research, Inc.
    2. 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.
    3. 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.
    4. Pischke, Jörn-Steffen, 1991. "Individual income, incomplete information, and aggregate consumption," ZEW Discussion Papers 91-07, ZEW - Leibniz Centre for European Economic Research.

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. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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).
    8. 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.
    9. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).
    10. 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).
    11. 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.
    12. 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.
    13. Sjam, Amelina Apricia, 2025. "Opaque payments, open wallets: The relationship between payment transparency and overspending," Research in Economics, Elsevier, vol. 79(3).
    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.

  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. 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).
    2. 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.
    3. 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).

  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. 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.
    2. 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".
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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).
    8. 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.
    9. Liu, Taixing & Fan, Miaomiao & Li, Youwei & Yue, Pengpeng, 2024. "Financial literacy and household financial resilience," Finance Research Letters, Elsevier, vol. 63(C).
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. Peng, Geng & Liu, Fang, 2024. "Digital inclusive finance and the resilience of households involved in financial markets," Finance Research Letters, Elsevier, vol. 69(PB).
    15. 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).
    16. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    17. 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.
    18. 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.
    19. 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.
    20. 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).
    21. 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.
    22. 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.
    23. 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.
    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.

    Cited by:

    1. 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.
    2. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    3. 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.
    4. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    5. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, Econjournals, vol. 14(4), pages 44-55, July.
    6. Delis, Manthos & Iosifidi, Maria & Pnevmatikos, Lampros & Tsiritakis, Emmanuel, 2023. "Credit negotiations," MPRA Paper 123003, University Library of Munich, Germany, revised 12 Dec 2024.
    7. 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".
    8. 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.
    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. 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.
    11. 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.
    12. 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.
    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. 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.
    15. 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).
    16. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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).
    25. 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.
    26. 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.
    27. Carbó-Valverde, Santiago & Cuadros-Solas, Pedro J. & Rodríguez-Fernández, Francisco, 2025. "Cryptocurrency ownership and cognitive biases in perceived financial literacy," Journal of Behavioral and Experimental Finance, Elsevier, vol. 45(C).
    28. Rieger, Marc O. & Wang, Mei & Phan, Thuy Chung & Gong, Yujing, 2022. "Trend following or reversal: Does culture affect predictions and trading behavior?," Global Finance Journal, Elsevier, vol. 54(C).
    29. Tinta, Abdoulganiour Almame, 2024. "Transitionning and the trinity nexus: Scenarios from a small country," Journal of Policy Modeling, Elsevier, vol. 46(5), pages 908-927.
    30. Jiang, Nana & Jiang, Wei & Wang, Yanfei & Zhang, Jinning, 2024. "Impact of financial reform on urban resilience: Evidence from the financial reform pilot zones in China," Socio-Economic Planning Sciences, Elsevier, vol. 94(C).
    31. Davoli, Maddalena & Rodríguez-Planas, Núria, 2022. "Culture, Gender, and Financial Literacy," IZA Discussion Papers 15054, IZA Network @ LISER.
    32. Long She & Ratneswary Rasiah & Marc Arul Weissmann & Harpaljit Kaur, 2024. "Using the Theory of Planned Behaviour to Explore Predictors of Financial Behaviour Among Working Adults in Malaysia," FIIB Business Review, , vol. 13(1), pages 118-135, January.
    33. Ngoc Duc Lang & Ha Mai Tran & Giang Tra Nguyen & Duc Hong Vo, 2024. "An Untapped Instrument in the Fight Against Poverty: The Impacts of Financial Literacy on Poverty Worldwide," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 174(2), pages 657-695, September.
    34. Luc Arrondel & Marlene Haupt & María Jesús Mancebón & Gianni Nicolini & Manuel Wälti & Jasmira Wiersma, 2020. "Financial Literacy in Western Europe," Working Papers halshs-03243830, HAL.
    35. 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).
    36. Leora Klapper, 2023. "How digital payments can benefit entrepreneurs," World of Labour, LISER, pages 396-396, April.
    37. Salman Mahmood & Wen Shuhui & Shoaib Aslam & Tanveer Ahmed, 2023. "Financial Inclusion: Does it matter in Alleviating Poverty in Pakistan," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 169(3), pages 1125-1146, October.
    38. 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).
    39. Liu, Taixing & Fan, Miaomiao & Li, Youwei & Yue, Pengpeng, 2024. "Financial literacy and household financial resilience," Finance Research Letters, Elsevier, vol. 63(C).
    40. Akitola Jesse ERIOLA, 2025. "Does mobile financial services adoption mitigate financial vulnerability of small enterprises?," Journal of Academic Finance, RED research unit, university of Gabes, Tunisia, vol. 16(1), pages 101-118, June.
    41. Georgios A. Panos, 2025. "Household Finance and Well-Being in Greece and Cyprus," Working Papers 2025_05, Business School - Economics, University of Glasgow.
    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. Ali, Muhammad Arsalan & Rehman, Khalil ur & Maqbool, Adnan & Hussain, Shahid, 2021. "The Impact of Behavioral Finance Factors and the Mediating Effect of Investment Behavior on Individual’s Financial Well-being: Empirical Evidence from Pakistan," Journal of Accounting and Finance in Emerging Economies, CSRC Publishing, Center for Sustainability Research and Consultancy Pakistan, vol. 7(2), pages 325-336, June.
    44. 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.
    45. Kampamba Chibesa & Austin Mwange, 2024. "The Role of Financial Capability in Entrepreneurial Success Among Informal Traders in Lusaka, Zambia," African Journal of Commercial Studies, African Journal of Commercial Studies, vol. 5(4).
    46. Luo, Lei, 2024. "Digital financial inclusion, educational attainment and household consumption," Finance Research Letters, Elsevier, vol. 68(C).
    47. 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).
    48. 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.
    49. Peng, Geng & Liu, Fang, 2024. "Digital inclusive finance and the resilience of households involved in financial markets," Finance Research Letters, Elsevier, vol. 69(PB).
    50. 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.
    51. 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.
    52. 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.
    53. 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.
    54. Chenjing Zhang & Qiaoge Li & Di Mao & Mancang Wang, 2023. "Research on the Threshold Effect of Internet Development on Regional Inclusive Finance in China," Sustainability, MDPI, vol. 15(8), pages 1-20, April.
    55. Di Wang & Frank McGroarty, 2022. "Does perfectionism influence individual financial risk tolerance and financial well-being? Evidence from an online survey data from the US," SN Business & Economics, Springer, vol. 2(11), pages 1-32, November.
    56. 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.
    57. 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.
    58. AlSuwaidi, Reem Ahmed & Mertzanis, Charilaos, 2024. "Financial literacy and FinTech market growth around the world," International Review of Financial Analysis, Elsevier, vol. 95(PB).
    59. Fetherolf, Raylin & Lovelace, Kelley Bergsma, 2023. "Dimensions of national culture and R2 around the world," Journal of Banking & Finance, Elsevier, vol. 154(C).
    60. 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).
    61. 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.
    62. 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.
    63. 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.
    64. Nourallah, Mustafa & Öhman, Peter & Hamati, Samer, 2024. "Financial technology and financial capability: Study of the European Union," Global Finance Journal, Elsevier, vol. 62(C).
    65. 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.
    66. 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.
    67. 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.
    68. 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.
    69. 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.
    70. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    71. 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, Econjournals, vol. 14(2), pages 15-25, March.
    72. 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.
    73. 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.
    74. 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.
    75. 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.
    76. 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.
    77. 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.
    78. 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.
    79. Isha Bajaj & Mandeep Kaur, 2024. "Validating Financial Knowledge Scale Using Item Response Theory," Vision, , vol. 28(2), pages 225-236, April.
    80. 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.
    81. Socaciu Erzsébet-Mirjám, 2023. "The Nexus Between Foreign Portfolio Diversification and Kinship," Studia Universitatis Babeș-Bolyai Oeconomica, Sciendo, vol. 68(2), pages 1-16, August.
    82. 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.
    83. 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.
    84. 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.
    85. Kaiser, Tim & Lusardi, Annamaria, 2024. "Financial Literacy and Financial Education: An Overview," IZA Discussion Papers 16926, IZA Network @ LISER.
    86. 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.
    87. Bellocchi, Alessandro & Travaglini, Giuseppe, 2024. "Financial literacy, uncertainty and costs of education," Economics Letters, Elsevier, vol. 238(C).
    88. Asmare, Fissha & Giedraitis, Vincentas & Jaraitė, Jūratė & Kažukauskas, Andrius, 2023. "Energy-related financial literacy and retrofits of Soviet-era apartment buildings: The case of Lithuania," Energy Economics, Elsevier, vol. 120(C).
    89. Antonia Grohmann & Lukas Menkhoff, 2020. "The Relationship between Financial Literacy and Financial Inclusion," Discussion Papers of DIW Berlin 1914, DIW Berlin, German Institute for Economic Research.
    90. 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.
    91. Jing Jian Xiao & Piotr Bialowolski, 2023. "Consumer Financial Capability and Quality of Life: a Global Perspective," Applied Research in Quality of Life, Springer;International Society for Quality-of-Life Studies, vol. 18(1), pages 365-391, February.
    92. Joseph Sedila Malepe, 2023. "Government interventions in the financial literacy of the law-enforcers: A case study of Emalahleni’s South African Police Services (SAPS)," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(10), pages 217-227, December.
    93. 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.
    94. 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).
    95. Tohar, Gilad & Akron, Sagi, 2025. "Financial literacy cognitions and optimal financial behavior," Finance Research Letters, Elsevier, vol. 83(C).
    96. Krishna Reddy & Damien Wallace & Nirosha Hewa Wellalage, 2025. "The impact of financial literacy on financial inclusion," Australian Journal of Management, Australian School of Business, vol. 50(4), pages 1187-1214, November.
    97. Laura Brunner & Maddalena Davoli & Uschi Backes-Gellner, 2025. "Multiple Pathways to Financial Literacy: Evidence on the Impact of Practical Applications of Financial Tasks and Analytical Learning," Economics of Education Working Paper Series 0240, University of Zurich, Department of Business Administration (IBW).
    98. Anna Conte & Paola Paiardini & Jacopo Temperini, 2025. "Dash and dine, for tomorrow we dice," Journal of Risk and Uncertainty, Springer, vol. 71(2), pages 179-201, October.
    99. 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.
    100. Xu, Dandan & Liu, Yuting, 2024. "How does technological progress affect provincial financial resilience? Evidence at the provincial level in China," Emerging Markets Review, Elsevier, vol. 60(C).
    101. Inmaculada Aguiar-Díaz & José Ramón Zagalaz-Jiménez, 2025. "Gap profile between subjective and objective financial risk tolerance," Risk Management, Palgrave Macmillan, vol. 27(4), pages 1-26, December.
    102. 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.
    103. 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.
    104. Laura Hospido & Sara Izquierdo & Margarita Machelett, 2021. "The gender gap in financial competences (556 KB)," Economic Bulletin, Banco de España, issue 1/2021.
    105. 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.
    106. Paulo Miguel Gama & Fátima Sol Murta & Elisabete S. Vieira, 2024. "Local banking development and SME conservative financing policy. Does bank branch density matter?," Small Business Economics, Springer, vol. 63(4), pages 1747-1765, December.
    107. 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.
    108. Nathan Phelps & Adam Metzler, 2025. "The Effects of Financial Knowledge, Skill, and Self-Assessed Knowledge on Financial Well-Being, Behavior, and Objective Situation," IJFS, MDPI, vol. 13(1), pages 1-19, March.
    109. 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.

  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, Econjournals, 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. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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).
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    11. 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.
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    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.

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    Cited by:

    1. 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.
    2. 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..
    3. 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, Sciendo, vol. 10(2), pages 38-52.
    4. 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).
    5. Mao, Fengfu & Wang, Yuanfan & Zhu, Mengsi, 2023. "Digital financial inclusion, traditional finance system and household entrepreneurship," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    6. Nancy Neoyame Chabaefe & Abubaker Qutieshat, 2024. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework," International Journal of Economics and Financial Issues, Econjournals, vol. 14(4), pages 44-55, July.
    7. 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.
    8. Najat El Mekkaoui & Bérangère Legendre, 2022. "Does pension information impact savings?," Post-Print hal-03877170, HAL.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
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    27. 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).
    28. Tan Kee Xian, 2022. "Factors Influencing Working Adults' Awareness of Individual Financial Planning ," GATR Journals gjbssr621, Global Academy of Training and Research (GATR) Enterprise.
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    39. Vivek Verma & Praveen Singh & Rajesh Tiwari & Dinesh Chandra Pandey, 2025. "Sustainable investing through a gendered lens: the role of locus of control and risk perception," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(4), pages 1-16, December.
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    48. Paulina Y. Amtiran, 2024. "Impact of Financial Literacy of MSE's on The Use of Financial Products ," GATR Journals jfbr223, Global Academy of Training and Research (GATR) Enterprise.
    49. 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.
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    51. 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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    98. Adebowale Jeremy Adetayo & Wosilat Omolara Oyeniyi & Mutiat Yewande Salvador & Sowemimo Ronke Adekunmisi, 2023. "Pathways to financial fiteracy," Record and Library Journal, D3 Perpustakaan Fakultas Vokasi Universitas Airlangga, vol. 9(2), pages 216-231.
    99. Leo Van Hove & Muzaffarjon Ahunov, 2024. "How reliable are financial-literacy country rankings?," Economics Bulletin, AccessEcon, vol. 44(4), pages 1457-1463.
    100. Joseph Sedila Malepe, 2023. "Government interventions in the financial literacy of the law-enforcers: A case study of Emalahleni’s South African Police Services (SAPS)," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 12(10), pages 217-227, December.
    101. Pitthan, Francisco & De Witte, Kristof, 2024. "Do heuristics matter for financial literacy? The impact of better heuristics awareness to financial literacy," Finance Research Letters, Elsevier, vol. 67(PB).
    102. 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.
    103. Robert Mesrob K. DerMesrobian, 2022. "A Model For Financial Literacy Education In Lebanon," Economy & Business Journal, International Scientific Publications, Bulgaria, vol. 16(1), pages 399-406.
    104. 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.
    105. 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.
    106. 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.
    107. YUVRAJ SUNECHER & Mevin Luchoo, 0000. "An investigation of the Level of Financial Literacy Among the Mauritian Population," Proceedings of Economics and Finance Conferences 14716502, International Institute of Social and Economic Sciences.
    108. Paolo Finaldi Russo & Ludovica Galotto & Cristiana Rampazzi, 2022. "The Financial literacy of micro-entrepreneurs: evidence from Italy," Questioni di Economia e Finanza (Occasional Papers) 727, Bank of Italy, Economic Research and International Relations Area.
    109. Shane Heddy & Congrong Ouyang & Yu Zhang, 2025. "From Risk Preferences to Portfolios: Comparing SCF Risk Scales and Their Predictive Power for Asset Ownership," JRFM, MDPI, vol. 18(7), pages 1-15, July.
    110. Najiha Omar & Asma’ Wardah Surtahman, 2024. "Integrating Technology and Media in Islamic Financial Education," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 8(3s), pages 3296-3303, August.
    111. Bu, Di & Hanspal, Tobin & Liao, Yin & Liu, Yong, 2020. "Financial literacy and self-control in FinTech: Evidence from a field experiment on online consumer borrowing," SAFE Working Paper Series 273, Leibniz Institute for Financial Research SAFE.
    112. Hui Wang & Muhammad Wasif Zafar & Shujaat Abbas & Mehmet Akif Destek, 2023. "An assessment of energy poverty in sub-Saharan Africa: the role of financial inclusion and education," Economic Change and Restructuring, Springer, vol. 56(6), pages 4689-4711, December.
    113. Löfgren, Åsa & Nordblom, Katarina, 2022. "Sustainability preferences and financial decision-making among mutual fund investors," Working Papers in Economics 826, University of Gothenburg, Department of Economics.
    114. Mohammad Enamul Hoque & Low Soo-Wah & Mohammad Mujibul Haque, 2026. "The moderating role of financial literacy on the nexus of financial information sources and risky investment behavior: is it contingent on financial interest and risk tolerance level?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 12(1), pages 1-46, December.
    115. 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.
    116. 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.
    117. 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.
    118. 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.
    119. 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.
    120. Siddiqi, Umema, 2023. "The Intersection of Financial Literacy, Cognitive Ability, and Numeracy Skills in Pakistani Adults," MPRA Paper 119781, University Library of Munich, Germany.
    121. Audrius Kabašinskas & Kristina Šutienė & Miloš Kopa & Kęstutis Lukšys & Kazimieras Bagdonas, 2020. "Dominance-Based Decision Rules for Pension Fund Selection under Different Distributional Assumptions," Mathematics, MDPI, vol. 8(5), pages 1-26, May.
    122. 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.
    123. Mohamad Hassan Abou Daya & Carole Bernard, 2022. "What matters in the annuitization decision?," Swiss Journal of Economics and Statistics, Springer;Swiss Society of Economics and Statistics, vol. 158(1), pages 1-12, December.
    124. Azlina Rahim & Vani Tanggamani & Hamidah Bani & Nor Ashikin Alias, 2024. "Microcredit Clients’ Financial Literacy Towards Financial Inclusion and Sustainability," Information Management and Business Review, AMH International, vol. 16(1), pages 274-278.
    125. 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.
    126. 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.
    127. 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.
    128. Zhu, Alex Yue Feng, 2024. "Optimizing financial decision-making for emerging adults: A compact Python-based personalized financial projection approach," Technology in Society, Elsevier, vol. 77(C).
    129. Ong, Ardvin Kester S. & Mendoza, Mary Christy O. & Ponce, Jean Rondel R. & Bernardo, Kent Timothy A. & Tolentino, Seth Angelo M. & Diaz, John Francis T. & Young, Michael N., 2024. "Analysis of investment behavior among Filipinos: Integration of Social exchange theory (SET) and the Theory of planned behavior (TPB)," Physica A: Statistical Mechanics and its Applications, Elsevier, vol. 654(C).
    130. Gignac, Gilles E. & Stevens, Elizabeth M., 2024. "Attitude toward numbers: A better predictor of financial literacy and intelligence than need for cognition," Intelligence, Elsevier, vol. 103(C).

  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. 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.
    3. 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.
    4. 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.
    5. 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).
    6. 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.
    7. 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.
    8. 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).
    9. 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.
    10. 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.
    11. 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.
    12. 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).
    13. Agnes Kovacs & Hamish Low & Patrick Moran, 2021. "Estimating Temptation And Commitment Over The Life Cycle," International Economic Review, Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 62(1), pages 101-139, February.
    14. 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.
    15. 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.
    16. 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).
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. Butrica, Barbara A. & Karamcheva, Nadia S, 2020. "Is Rising Household Debt Affecting Retirement Decisions?," IZA Discussion Papers 13182, IZA Network @ LISER.
    23. 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.).
    24. 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.
    25. 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).
    26. 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.
    27. 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.
    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. 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. Gignac, Gilles E. & Zajenkowski, Marcin, 2025. "Humans peak in midlife: A combined cognitive and personality trait perspective," Intelligence, Elsevier, vol. 113(C).
    3. 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).
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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).
    9. 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).
    10. 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.
    11. 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.
    12. 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.
    13. Li, Xiao, 2020. "When financial literacy meets textual analysis: A conceptual review," Journal of Behavioral and Experimental Finance, Elsevier, vol. 28(C).
    14. Ismael Choinière-Crèvecoeur & Pierre-Carl Michaud, 2023. "Reverse Mortgages and Financial Literacy," Cahiers de recherche / Working Papers 12, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    15. Talpsepp, Tõnn & Liivamägi, Kristjan & Vaarmets, Tarvo, 2020. "Academic abilities, education and performance in the stock market," Journal of Banking & Finance, Elsevier, vol. 117(C).
    16. Buss, Adrian & Vilkov, Grigory & Uppal, Raman, 2020. "Investor Sophistication and Portfolio Dynamics," CEPR Discussion Papers 15116, Centre for Economic Policy Research.
    17. 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.
    18. Bianchi, Milo, 2017. "Financial Literacy and Portfolio Dynamics," TSE Working Papers 17-808, Toulouse School of Economics (TSE), revised 10 Jun 2026.
    19. Jana Schuetz, 2024. "Beliefs about the Gender Pension Gap," Jena Economics Research Papers 2024-004, Friedrich-Schiller-University Jena.
    20. 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.
    21. 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.
    22. 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).
    23. 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.
    24. 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.
    25. 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).
    26. Jones, Michael & Luu, Truong (Jack) & Samuel, Binny, 2024. "The interdependence of financial literacy and crypto literacy," Economics Letters, Elsevier, vol. 239(C).
    27. 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).
    28. 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.

  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, 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.

  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. Bottazzi, Laura & Lusardi, Annamaria, 2021. "Stereotypes in financial literacy: Evidence from PISA," Journal of Corporate Finance, Elsevier, vol. 71(C).
    2. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Sciendo, vol. 11(2), pages 117-131, October.
    3. 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".
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. Bechly, Paul Lorin, 2019. "An Examination of Demographic Differences in Obtaining Investment and Financial Planning Information," OSF Preprints vn8yj, Center for Open Science.
    14. 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).
    15. 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.
    16. 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.
    17. 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.
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. 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).
    23. 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.
    24. 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.
    25. 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.
    26. Tohar, Gilad & Akron, Sagi, 2025. "Financial literacy cognitions and optimal financial behavior," Finance Research Letters, Elsevier, vol. 83(C).
    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. Blue Levon, 2016. "Financial Literacy Education with Aboriginal People: The Importance of Culture and Context," Financial Planning Research Journal, Sciendo, 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.

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    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. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Laundon Melinda & Williams Penny, 2018. "Flexible Work: Barrier to Benefits?," Financial Planning Research Journal, Sciendo, vol. 4(2), pages 51-68.
    7. 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.
    8. 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.
    9. 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.
    10. Marques-Ibanez, David & Santilli, Gianluca & Scardozzi, Giulia, 2024. "Bail-in in action," Economics Letters, Elsevier, vol. 241(C).
    11. 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.
    12. 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.
    13. 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).
    14. 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.
    15. 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.
    16. Doorley, Karina & Nolan, Anne, 2019. "The Determinants of Retirement Planning within Couples in Ireland," IZA Discussion Papers 12188, IZA Network @ LISER.
    17. 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.
    18. Legenzova Renata & Leckė Gintarė, 2022. "Exploring Lithuanian Real Estate Crowdfunding Investors’ Rationality," Management of Organizations: Systematic Research, Sciendo, vol. 87(1), pages 83-102, June.
    19. Plamen Nikolov & Steve Yeh, 2021. "Reaping the Rewards Later: How Education Improves Old-Age Cognition in South Africa," Papers 2109.02177, arXiv.org, revised Oct 2021.
    20. 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.
    21. Nolan, Anne & Doorley, Karina, 2019. "Financial Literacy and Preparation for Retirement," IZA Discussion Papers 12187, IZA Network @ LISER.
    22. 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.
    23. 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.
    24. Wang, Hongyang & Zhang, Dayong & Guariglia, Alessandra & Fan, Gang-Zhi, 2021. "‘Growing out of the growing pain’: Financial literacy and life insurance demand in China," Pacific-Basin Finance Journal, Elsevier, vol. 66(C).
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. 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).
    30. 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.
    31. 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.
    32. 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.
    33. 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.
    34. Merkoulova, Yulia & Veld, Chris, 2022. "Stock return ignorance," Journal of Financial Economics, Elsevier, vol. 144(3), pages 864-884.
    35. 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.
    36. 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).
    37. 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.
    38. 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.
    39. 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.
    40. 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.
    41. 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.
    42. 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.
    43. 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.
    44. 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).
    45. 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.
    46. 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).
    47. 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.
    48. Narender Choudhary & Usha Sharma, 2026. "The gender gap in personal financial planning: A Systematic Literature review using the ADO model," SN Business & Economics, Springer, vol. 6(2), pages 1-30, February.
    49. 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.
    50. Umer Mushtaq Lone & Suhail Ahmad Bhat & Peerzada Shams Ul Irfan & Mushtaq Ahmad Darzi, 2025. "Impact of digital financial literacy on financial well-being: moderating role of gender and religiosity," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 30(2), pages 1-15, June.
    51. 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.
    52. Plamen Nikolov & Steve Yeh, 2021. "Reaping the Rewards Later: How Education Improves Old-Age Cognition in South Africa," Working Papers 2021-045, Human Capital and Economic Opportunity Working Group.
    53. John Albert Sankoh & Chimwemwe Lusekelo Mwamsamali & Samuel Conteh, 2025. "The Impact of Microfinance and Development Aid on Sustainable Development in Sierra Leone: Evidence Toward Achieving SDG 1," Journal of Scientific Reports, IJSAB International, vol. 9(1), pages 80-116.
    54. 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.
    55. Renata Legenzova & Gintarė Leckė, 2025. "The Link between Family Financial Socialization in Adulthood and Investment Literacy of P2P Investors," Journal of Family and Economic Issues, Springer, vol. 46(2), pages 525-544, June.
    56. Carrie R. Houts & Melissa A. Z. Knoll, 2020. "The Financial Knowledge Scale: New Analyses, Findings, and Development of a Short Form," Journal of Consumer Affairs, Wiley Blackwell, vol. 54(2), pages 775-800, June.
    57. Timothy Kyng & David Pitt & Sachi Purcal & Jinhui Zhang, 2021. "Financial `metrics for comparing Australian retirement villages," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 61(4), pages 5581-5611, December.
    58. 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.
    59. Curtius, Hans Christoph, 2018. "The adoption of building-integrated photovoltaics: barriers and facilitators," Renewable Energy, Elsevier, vol. 126(C), pages 783-790.
    60. 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.
    61. 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.
    62. Chauhan, Yogesh & Dey, Dipanjan Kumar, 2020. "Does financial literacy affect the value of financial advice? A contingent valuation approach," Journal of Behavioral and Experimental Finance, Elsevier, vol. 25(C).

  29. Aileen Heinberg & Angela Hung & Arie Kapteyn & Annamaria Lusardi & Anya Savikhin Samek & Joanne Yoong, 2014. "Five steps to planning success: experimental evidence from US households," Oxford Review of Economic Policy, Oxford University Press and Oxford Review of Economic Policy Limited, vol. 30(4), pages 697-724.
    See citations under working paper version above.
  30. 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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    Cited by:

    1. 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.
    2. 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.
    3. 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.
    4. 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).
    5. 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).
    6. Yichao Li & Xintong Xie & Guihua Liu & Dingde Xu, 2024. "How does the improvement of farmers' financial literacy affect food production? Analysis of behavior and constraints based on element substitution and planting structure adjustment," Food Security: The Science, Sociology and Economics of Food Production and Access to Food, Springer;The International Society for Plant Pathology, vol. 16(3), pages 721-733, June.
    7. Tsung-ming Yeh & Yue Ling, 2022. "Confidence in Financial Literacy, Stock Market Participation, and Retirement Planning," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 169-186, March.
    8. 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.
    9. Nave, Juan M. & Oliva, Laura & Toscano, David, 2023. "Financial knowledge and financial behaviour: The moderating role of home ownership," Finance Research Letters, Elsevier, vol. 57(C).
    10. 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).
    11. Hunt Katherine, 2016. "Investment Risk Profiling: Lessons from Psychology," Financial Planning Research Journal, Sciendo, vol. 2(2), pages 49-63.
    12. Grohmann, Antonia, 2018. "Financial literacy and financial behavior: Evidence from the emerging Asian middle class," Pacific-Basin Finance Journal, Elsevier, vol. 48(C), pages 129-143.
    13. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    14. 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.
    15. Paul W. Grimes & Kevin E. Rogers & William D. Bosshardt, 2021. "Economic Education and Household Financial Outcomes during the Financial Crisis," JRFM, MDPI, vol. 14(7), pages 1-12, July.
    16. Hu, Zihao & Zhang, Dong & Xiong, Xueping, 2024. "Navigating risk: Impact of overconfidence in financial literacy on retirement wealth reserves," Finance Research Letters, Elsevier, vol. 69(PA).
    17. Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas, 2014. "Roots of Financial Literacy," VfS Annual Conference 2014 (Hamburg): Evidence-based Economic Policy 100550, Verein für Socialpolitik / German Economic Association.
    18. Filippini, Massimo & Leippold, Markus & Wekhof, Tobias, 2024. "Sustainable finance literacy and the determinants of sustainable investing," Journal of Banking & Finance, Elsevier, vol. 163(C).
    19. 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.
    20. 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.
    21. Helena Susana Amaral Geraldes & Ana Paula Matias Gama & Mário Augusto, 2022. "Reaching Financial Inclusion: Necessary and Sufficient Conditions," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 162(2), pages 599-617, July.
    22. Richa A. Selbi & Budi Wahyono, 2025. "Financial literacy and savings: Cross-country evidence," Economics Bulletin, AccessEcon, vol. 45(4), pages 1996-2004.
    23. Bettina Greimel-Fuhrmann & Maria Antoinette Silgoner & Rosa Weber, 2015. "Financial literacy gaps of the Austrian population," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 2, pages 35-51.
    24. 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.
    25. Muhammad Waqas & Alishba Hania & Farzan Yahya & Iqra Malik, 2023. "Enhancing Cybersecurity: The Crucial Role of Self-Regulation, Information Processing, and Financial Knowledge in Combating Phishing Attacks," SAGE Open, , vol. 13(4), pages 21582440231, December.
    26. Calcagno, Riccardo & Monticone, Chiara, 2015. "Financial literacy and the demand for financial advice," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 363-380.
    27. E. Bonhoure & R. Bawack, 2024. "Review of the Coverage of Financial Inclusion Research Since the Implementation of the Sustainable Development Goals: What Has Changed?," Post-Print hal-04828293, HAL.
    28. Yun Zhang & Qun Wu & Ting Zhang & Lingxiao Yang, 2022. "Vulnerability and fraud: evidence from the COVID-19 pandemic," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 9(1), pages 1-12, December.
    29. 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.
    30. 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.
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    1. 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.
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    4. 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.
    5. 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, Econjournals, vol. 7(4), pages 507-514.
    6. 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.
    7. 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.
    8. 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).
    9. 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.
    10. 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.
    11. Gignac, Gilles E. & Zajenkowski, Marcin, 2025. "Humans peak in midlife: A combined cognitive and personality trait perspective," Intelligence, Elsevier, vol. 113(C).
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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.
    18. Fong, Joelle H., 2025. "Financial literacy and household financial behavior in Singapore," Pacific-Basin Finance Journal, Elsevier, vol. 90(C).
    19. 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.
    20. 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.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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).
    26. 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.
    27. Hospido, Laura & Villanueva, Ernesto & Zamarro, Gema, 2015. "Finance for All: The Impact of Financial Literacy Training in Compulsory Secondary Education in Spain," IZA Discussion Papers 8902, IZA Network @ LISER.
    28. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    29. Montizaan, R.M. & de Grip, A. & Fouarge, D., 2015. "Training access, reciprocity, and expected retirement age," ROA Research Memorandum 001, Maastricht University, Research Centre for Education and the Labour Market (ROA).
    30. 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.
    31. Barrett, Alan & Mosca, Irene & Whelan, Brendan J., 2013. "(Lack of) Pension Knowledge," IZA Discussion Papers 7596, IZA Network @ LISER.
    32. 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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    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.
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    3. Mariacristina Rossi & Dario Sansone, 2018. "Precautionary savings and the self-employed," Small Business Economics, Springer, vol. 51(1), pages 105-127, June.
    4. 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.
    5. Fulford, Scott L., 2015. "The surprisingly low importance of income uncertainty for precaution," European Economic Review, Elsevier, vol. 79(C), pages 151-171.
    6. 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.
    7. 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.
    8. Krueger, Dirk & Malkov, Egor & Perri, Fabrizio, 2024. "How do households respond to income shocks?," Journal of Economic Dynamics and Control, Elsevier, vol. 168(C).
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    11. 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.
    12. 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.
    13. 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).
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    16. Nils Gornemann & Keith Kuester & Makoto Nakajima, 2021. "Doves for the Rich, Hawks for the Poor? Distributional Consequences of Systematic Monetary Policy," ECONtribute Discussion Papers Series 089, University of Bonn and University of Cologne, Germany.
    17. 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.
    18. 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.
    19. 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.
    20. Penghui Yin, 2018. "Optimal Amount of Attention to Capital Income Risk and Heterogeneous Precautionary Saving Behavior," CESifo Working Paper Series 7413, CESifo.
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    25. 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.
    26. Jesse Bricker & Kevin B. Moore & Jeffrey P. Thompson, 2019. "Trends in household portfolio composition," Working Papers 19-9, Federal Reserve Bank of Boston.
    27. Castaldo, Stefano & Tirelli, Mario, 2021. "Subjective income risk and precautionary saving," MPRA Paper 108341, University Library of Munich, Germany.
    28. Kovacs, Agnes & Rondinelli, Concetta & Trucchi, Serena, 2021. "Permanent versus transitory income shocks over the business cycle," European Economic Review, Elsevier, vol. 139(C).
    29. Corina Boar, 2017. "Dynastic Precautionary Savings," 2017 Meeting Papers 343, Society for Economic Dynamics.
    30. 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.
    31. Gathergood, John & Wylie, Daniel, 2018. "Why are some households so poorly insured?," Journal of Economic Behavior & Organization, Elsevier, vol. 156(C), pages 1-12.
    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. 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.
    34. 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.
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    6. 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.
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    20. 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.
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    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.
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  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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    2. 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.
    3. 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.
    4. 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.
    5. 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.
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    1. Yulei Luo & Jun Nie & Gaowang Wang & Eric Young, 2014. "What we don’t know doesn’t hurt us: rational inattention and the permanent income hypothesis in general equilibrium," Research Working Paper RWP 14-14, Federal Reserve Bank of Kansas City.
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    3. Daniel L. Tortorice, 2014. "Equity Return Predictability, Time Varying Volatility and Learning About the Permanence of Shocks," Working Papers 70, Brandeis University, Department of Economics and International Business School.
    4. Andreas Freytag & Sebastian Voll, 2013. "Institutions and savings in developing and emerging economies," Public Choice, Springer, vol. 157(3), pages 475-509, December.
    5. Vladimir Kühl Teles & Joaquim P. Andrade, 2005. "Crime And Punishment With Habit Formation," Anais do XXXIII Encontro Nacional de Economia [Proceedings of the 33rd Brazilian Economics Meeting] 090, ANPEC - Associação Nacional dos Centros de Pós-Graduação em Economia [Brazilian Association of Graduate Programs in Economics].
    6. Hlouskova, Jaroslava & Fortin, Ines & Tsigaris, Panagiotis, 2019. "The consumption–investment decision of a prospect theory household: A two-period model with an endogenous second period reference level," Journal of Mathematical Economics, Elsevier, vol. 85(C), pages 93-108.
    7. Richard C. Barnett & Joydeep Bhattacharya, 2007. "Rejuveniles and Growth," Economics Working Papers 2007-11, Department of Economics and Business Economics, Aarhus University.
    8. Pierre-Richard Agenor & Joshua Aizenman, 2000. "Savings and the Terms of Trade Under Borrowing Constraints," NBER Working Papers 7743, National Bureau of Economic Research, Inc.
    9. Abdur R. Chowdhury, 2003. "Do asymmetric terms of trade shocks affect private savings in a transition economy?," Macroeconomics 0303006, University Library of Munich, Germany.
    10. 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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    16. Chowdhury, Abdur, 2015. "Terms of trade shocks and private savings in the developing countries," Journal of Comparative Economics, Elsevier, vol. 43(4), pages 1122-1134.
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    22. Rob Alessie & Federica Teppa, 2010. "Saving and habit formation: evidence from Dutch panel data," Empirical Economics, Springer, vol. 38(2), pages 385-407, April.
    23. Yulei Luo & Jun Nie & Heng-fu Zou, 2021. "Wealth in the Utility Function and Consumption Inequality," Research Working Paper RWP 21-17, Federal Reserve Bank of Kansas City.
    24. Joao Ricardo Faria, 2002. "Growth and labor supply in the presence of habit formation in consumption," Economics Bulletin, AccessEcon, vol. 4(5), pages 1-5.
    25. Luo, Yulei & Nie, Jun & Wang, Gaowang & Young, Eric R., 2017. "Rational inattention and the dynamics of consumption and wealth in general equilibrium," Journal of Economic Theory, Elsevier, vol. 172(C), pages 55-87.
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    30. Reis Gomes, Fábio Augusto, 2020. "Evaluating a consumption function with precautionary savings and habit formation under a general income process," The Quarterly Review of Economics and Finance, Elsevier, vol. 76(C), pages 157-166.
    31. Endres, Lukas & Behringer, Jan & van Treeck, Till, 2023. "Income Inequality, Consumption and Status Competition in Germany," VfS Annual Conference 2023 (Regensburg): Growth and the "sociale Frage" 277689, Verein für Socialpolitik / German Economic Association.
    32. Jim Malley & Hassan Molana, 2002. "The Life-Cycle-Permanent-Income Model: A Reinterpretation and Supporting Evidence," Working Papers 2002_17, Business School - Economics, University of Glasgow.
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    35. 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.
    36. Yulei Luo, 2005. "Consumption Dynamics under Information Processing Constraints," Macroeconomics 0505011, University Library of Munich, Germany, revised 04 Jun 2005.
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    44. Andersson, Fredrik W., 2009. "Consumption theory with reference dependent utility," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 38(3), pages 415-420, June.
    45. Sébastien Rouillon, 2017. "Cooperative and Noncooperative Extraction in a Common Pool with Habit Formation," Dynamic Games and Applications, Springer, vol. 7(3), pages 468-491, September.
    46. 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.
    47. Yulei Luo, 2005. "Consumption Dynamics, Asset Pricing, and Welfare Effects under Information Processing Constraints," 2005 Meeting Papers 345, Society for Economic Dynamics.
    48. Jim Malley & Hassan Molana, 2003. "The Life-Cycle-Permanent- Income Hypothesis: A Reinterpretation and Supporting Evidence," Dundee Discussion Papers in Economics 138, Economic Studies, University of Dundee.
    49. 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.
    50. Jim Malley & Hassan Molana, 2006. "Further Evidence from Aggregate Data on the Life-Cycle-Permanent-Income Model," Empirical Economics, Springer, vol. 31(4), pages 1025-1041, November.
    51. Behringer, Jan & Endres, Lukas & van Treeck, Till, 2023. "Income inequality, household consumption and status competition in Germany," ifso working paper series 25, University of Duisburg-Essen, Institute for Socioeconomics (ifso).
    52. Hugo Benítez-Silva, 2003. "The Annuity Puzzle Revisited," Working Papers wp055, University of Michigan, Michigan Retirement Research Center.

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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. Rolf Aaberge & Kai Liu & Yu Zhu, 2014. "Political uncertainty and household savings," Discussion Papers 793, Statistics Norway, Research Department.
    6. 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.
    7. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    8. Clemente De Lucia & Mara Meacci, 2005. "Does job security matter for consumption? An analysis on Italian microdata," ISAE Working Papers 54, ISTAT - Italian National Institute of Statistics - (Rome, ITALY).
    9. Bande, Roberto & Riveiro, Dolores & Ruiz, Freddy, 2021. "Does Uncertainty Affect Saving Decisions of Colombian Households? Evidence on Precautionary Saving," MPRA Paper 106771, University Library of Munich, Germany.
    10. Luc Arrondel & Fr餩rique Savignac, 2015. "Risk management, housing and stockholding," Applied Economics, Taylor & Francis Journals, vol. 47(39), pages 4208-4227, August.
    11. Mariacristina Rossi & Dario Sansone, 2018. "Precautionary savings and the self-employed," Small Business Economics, Springer, vol. 51(1), pages 105-127, June.
    12. Atreya Chakraborty & Mark Kazarosian, 1999. "Portfolio Allocation of Precautionary Assets: Panel Evidence for the United States," Boston College Working Papers in Economics 432, Boston College Department of Economics.
    13. Alba Lugilde, 2024. "The impact of measured income uncertainty on Spanish household consumption at the end of the Great Recession," Empirica, Springer;Austrian Institute for Economic Research;Austrian Economic Association, vol. 51(3), pages 679-702, August.
    14. Orland, Andreas & Rostam-Afschar, Davud, 2021. "Flexible work arrangements and precautionary behavior: Theory and experimental evidence," Journal of Economic Behavior & Organization, Elsevier, vol. 191(C), pages 442-481.
    15. Arie Kapteyn & Constantijn Panis, 2003. "The Size and Composition of Wealth Holdings in the United States, Italy, and the Netherlands," NBER Working Papers 10182, National Bureau of Economic Research, Inc.
    16. Stefan Arent, 2012. "Expectations and Saving Behavior: An Empirical Analysis," ifo Working Paper Series 128, ifo Institute - Leibniz Institute for Economic Research at the University of Munich.
    17. Robin Jessen & Davud Rostam-Afschar & Sebastian Schmitz, 2016. "How Important Is Precautionary Labor Supply?," SOEPpapers on Multidisciplinary Panel Data Research 850, DIW Berlin, The German Socio-Economic Panel (SOEP).
    18. Adrian Chadi & Lazlo Goerke, 2023. "Seeking Shelter in Times of Crisis? Unemployment, Perceived Job Insecurity and Trade Union Membership," IAAEU Discussion Papers 202302, Institute of Labour Law and Industrial Relations in the European Union (IAAEU).
    19. 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.
    20. 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.
    21. Axel Börsch‐Supan, 2005. "Risiken im Lebenszyklus: Theorie und Evidenz," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 6(4), pages 449-469, November.
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    23. Christopher D. Carroll & Miles S. Kimball, 2006. "Precautionary Saving and Precautionary Wealth," Economics Working Paper Archive 530, The Johns Hopkins University,Department of Economics.
    24. 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.
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    54. Egon Smeral, 2019. "Seasonal forecasting performance considering varying income elasticities in tourism demand," Tourism Economics, , vol. 25(3), pages 355-374, May.
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  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. 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.
    2. 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).
    3. 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.
    4. 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.
    5. 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.
    6. Kennickell, Arthur & Lusardi, Annamaria, 2005. "Disentangling the importance of the precautionary saving motive," CFS Working Paper Series 2006/15, Center for Financial Studies (CFS).
    7. 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.
    8. 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.
    9. 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.
    10. 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.
    11. Kochaniak Katarzyna, 2016. "Low Interest Rates do they Revise Household Saving Motives in the Euro Area?," Financial Internet Quarterly (formerly e-Finanse), Sciendo, vol. 12(1), pages 43-56.
    12. 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.
    13. Schunk, Daniel, 2007. "What determines the saving behavior of German households? : an examination of saving motives and saving decisions," Papers 07-10, Sonderforschungsbreich 504.
    14. 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.
    15. Aleksandra Urbaniec, 2012. "Life cycle income and consumption patterns in transition," EcoMod2012 4457, EcoMod.
    16. Hai, Xia & Wang, Qiang, 2024. "Does capital bring health? Evidence from family capital and older people," Finance Research Letters, Elsevier, vol. 62(PB).
    17. 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.
    18. 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.
    19. 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.
    20. Arthur Kennickell & Annamaria Lusardi, 2004. "Disentangling the Importance of the Precautionary Saving Mode," NBER Working Papers 10888, National Bureau of Economic Research, Inc.
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. 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.
    28. 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.
    29. 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.
    30. 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.
    31. 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.
    32. 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.
    33. 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).
    34. 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.
    35. Aleksandra Kolasa, 2012. "Life Cycle Income and Consumption Patterns in Transition," Working Papers 2012-17, Faculty of Economic Sciences, University of Warsaw.
    36. 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).
    37. 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).
    38. 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.
    39. 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.
    40. Hugo Benítez-Silva, 2003. "The Annuity Puzzle Revisited," Working Papers wp055, University of Michigan, Michigan Retirement Research Center.

  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. 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).
    4. 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.
    5. Notten, Geranda & Neubourg, Chris de, 2007. "Managing risks: what Russian households do to smooth consumption?," MPRA Paper 4670, University Library of Munich, Germany.
    6. 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.
    7. 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.
    8. 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.
    9. 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.
    10. Guariglia, Alessandra & Rossi, Mariacristina, 2004. "Private medical insurance and saving: evidence from the British Household Panel Survey," Journal of Health Economics, Elsevier, vol. 23(4), pages 761-783, July.
    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. Ari Hyytinen & Hanna Putkuri, 2018. "Household Optimism and Overborrowing," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 50(1), pages 55-76, February.
    13. 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.
    14. 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.
    15. Yu, Ge, 2003. "Comparing Expectations and Outcomes: Application to UK Data," MPRA Paper 502, University Library of Munich, Germany, revised 2005.
    16. 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.
    17. 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.).
    18. 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.
    19. 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.
    20. 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.
    21. 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.
    22. Hyytinen, Ari & Putkuri, Hanna, 2012. "Household optimism and borrowing," Bank of Finland Research Discussion Papers 21/2012, Bank of Finland.
    23. 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.
    24. 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.
    25. 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.
    26. 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.
    27. Levenko, Natalia, 2020. "Perceived uncertainty as a key driver of household saving," International Review of Economics & Finance, Elsevier, vol. 65(C), pages 126-145.
    28. Xuepin Wu & Jiru Han, 2021. "Psychological Needs, Physiological Needs and Regional Comparison Effects," Sustainability, MDPI, vol. 13(16), pages 1-21, August.
    29. 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.
    30. 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.
    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. 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.
    2. 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.
    3. 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.
    4. 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.
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    74. Thomas Crossley & Peter Levell & Stavros Poupakis, 2020. "Regression with an imputed dependent variable," IFS Working Papers W20/25, Institute for Fiscal Studies.
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    98. 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.
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    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.
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  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. 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, Econjournals, vol. 11(5), pages 104-113.
    3. 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).
    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. Inderst, Roman & Georgarakos, Dimitris & Deuflhard, Florian, 2014. "Financial Literacy and Savings Account Returns," CEPR Discussion Papers 9882, Centre for Economic Policy Research.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. Annamaria Lusardi & Pierre-Carl Michaud & Olivia Mitchell, 2011. "Optimal Financial Literacy and Saving for Retirement," Working Papers WR-905-SSA, RAND Corporation.
    8. Kovács Erzsébet & Vaskövi Ágnes, 2020. "Pension Pessimism in the Young Generation: Basics or Instincts to Blame?," Business Systems Research, Sciendo, vol. 11(2), pages 117-131, October.
    9. 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.
    10. 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.
    11. 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.
    12. 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.
    13. 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.
    14. 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.
    15. 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.
    16. 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.
    17. 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).
    18. 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.
    19. Christopher Henry & Kim Huynh & Angelika Welte, 2018. "2017 Methods-of-Payment Survey Report," Discussion Papers 18-17, Bank of Canada.
    20. Shin, Su Hyun & Kim, Kyoung Tae & Seay, Martin, 2020. "Sources of information and portfolio allocation," Journal of Economic Psychology, Elsevier, vol. 76(C).
    21. 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.
    22. 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.
    23. 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.
    24. 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.
    25. Tabea Bucher-Koenen & Rob Alessie & Annamaria Lusardi & Maarten van Rooij, 2021. "Fearless Woman. Financial Literacy and Stock Market Participation," Working Papers 708, DNB.
    26. 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.
    27. 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.
    28. Caliendo, Frank N. & Findley, T. Scott, 2013. "Time inconsistency and retirement planning," Economics Letters, Elsevier, vol. 121(1), pages 30-34.
    29. 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.
    30. 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.
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    37. 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.
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    42. Mitchell, Olivia S. & Utkus, Stephen P., 2012. "Target-Date Funds in 401(k) Retirement Plans," Working Papers 12-04, University of Pennsylvania, Wharton School, Weiss Center.
    43. 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).
    44. Heng Chen & Walter Engert & Marie-Hélène Felt & Kim P. Huynh & Gradon Nicholls & Daneal O'Habib & Julia Zhu, 2021. "Cash and COVID-19: The impact of the second wave in Canada," Discussion Papers 2021-12, Bank of Canada.
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    47. 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.
    48. Jere R. Behrman & Olivia S. Mitchell & Cindy K. Soo & David Bravo, 2012. "How Financial Literacy Affects Household Wealth Accumulation," American Economic Review, American Economic Association, vol. 102(3), pages 300-304, May.
    49. Christelis, Dimitris & Georgarakos, Dimitris & Jappelli, Tullio & van Rooij, Maarten, 2020. "Trust in the central bank and inflation expectation," Working Paper Series 2375, European Central Bank.
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    51. Leora F. Klapper & Annamaria Lusardi & Georgios A. Panos, 2012. "Financial Literacy and the Financial Crisis," NBER Working Papers 17930, National Bureau of Economic Research, Inc.
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    115. Annamaria Lusardi & Olivia S. Mitchell, 2011. "Financial Literacy around the World: An Overview," NBER Working Papers 17107, National Bureau of Economic Research, Inc.
    116. 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.
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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. 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.
    3. 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.
    4. 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.
    5. 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.
    6. 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.
    7. Fabio C. Bagliano & Carolina Fugazza & Giovanna Nicodano, 2012. "Optimal life-cycle portfolios for heterogeneous workers," Working papers 012, Department of Economics, Social Studies, Applied Mathematics and Statistics (Dipartimento di Scienze Economico-Sociali e Matematico-Statistiche), University of Torino.
    8. 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.
    9. 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.
    10. 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.
    11. 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.
    12. Brigitte C. Madrian, 2014. "Applying Insights from Behavioral Economics to Policy Design," NBER Working Papers 20318, National Bureau of Economic Research, Inc.
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