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Splitting Tax Refunds and Building Savings: An Empirical Test

In: Tax Policy and the Economy, Volume 20

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  • Sondra Beverly
  • Daniel Schneider
  • Peter Tufano

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Suggested Citation

  • Sondra Beverly & Daniel Schneider & Peter Tufano, 2006. "Splitting Tax Refunds and Building Savings: An Empirical Test," NBER Chapters, in: Tax Policy and the Economy, Volume 20, pages 111-162, National Bureau of Economic Research, Inc.
    • Handle: RePEc:nbr:nberch:0068
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    References listed on IDEAS

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    1. R. Glenn Hubbard & Jonathan S. Skinner, 1996. "Assessing the Effectiveness of Saving Incentives," Journal of Economic Perspectives, American Economic Association, vol. 10(4), pages 73-90, Fall.
    2. Nava Ashraf & Dean Karlan & Wesley Yin, 2006. "Tying Odysseus to the Mast: Evidence From a Commitment Savings Product in the Philippines," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 121(2), pages 635-672.
    3. Barrow, Lisa & McGranahan, Leslie, 2000. "The Effects of the Earned Income Credit on the Seasonality of Household Expenditures," National Tax Journal, National Tax Association;National Tax Journal, vol. 53(4), pages 1211-1244, December.
    4. Ana M. Aizcorbe & Arthur B. Kennickell & Kevin B. Moore, 2003. "Recent changes in U.S. family finances: evidence from the 1998 and 2001 Survey of Consumer Finances," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), vol. 89(Jan), pages 1-32, January.
    5. Sondra Beverly & Amanda Moore & Mark Schreiner, 2001. "A Framework of Asset-Accumulation Stages and Strategies," Development and Comp Systems 0109004, University Library of Munich, Germany.
    6. William G. Gale & John Sabelhaus, 1999. "Perspectives on the Household Saving Rate," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 30(1), pages 181-224.
    7. Barrow, Lisa & McGranahan, Leslie, 2000. "The Effects of the Earned Income Credit on the Seasonality of Household Expenditures," National Tax Journal, National Tax Association, vol. 53(n. 4), pages 1211-44, December.
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    Cited by:

    1. Mathieu Despard & Stephen Roll & Michal Grinstein‐Weiss & Bradley Hardy & Jane Oliphant, 2023. "Can behavioral nudges and incentives help lower‐income households build emergency savings with tax refunds? Evidence from field and survey experiments," Journal of Consumer Affairs, Wiley Blackwell, vol. 57(1), pages 245-263, January.
    2. Erin Todd Bronchetti & Thomas S. Dee & David B. Hufman & Ellen Magenheim, 2013. "When a Nudge Isn’t Enough: Defaults and Saving Among Low-Income Tax Filers," National Tax Journal, National Tax Association;National Tax Journal, vol. 66(3), pages 609-634, September.
    3. Congdon, William J. & Kling, Jeffrey R. & Mullainathan, Sendhil, 2009. "Behavioral Economics and Tax Policy," National Tax Journal, National Tax Association;National Tax Journal, vol. 62(3), pages 375-386, September.
    4. Kondratjeva, Olga & Roll, Stephen P. & Bufe, Sam & Grinstein-Weiss, Michal, 2021. "Using financial tips to guide debt repayment: Experimental evidence from low- and moderate-income tax filers," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 90(C).
    5. Damon Jones & Aprajit Mahajan, 2015. "Time-Inconsistency and Saving: Experimental Evidence from Low-Income Tax Filers," NBER Working Papers 21272, National Bureau of Economic Research, Inc.
    6. Sara LaLumia, 2013. "The EITC, Tax Refunds, and Unemployment Spells," American Economic Journal: Economic Policy, American Economic Association, vol. 5(2), pages 188-221, May.
    7. Campbell, Dennis & Asís Martínez-Jerez, F. & Tufano, Peter, 2012. "Bouncing out of the banking system: An empirical analysis of involuntary bank account closures," Journal of Banking & Finance, Elsevier, vol. 36(4), pages 1224-1235.
    8. C. Fritz Foley, 2008. "Welfare Payments and Crime," NBER Working Papers 14074, National Bureau of Economic Research, Inc.
    9. Stephen Roll & Olga Kondratjeva & Sam Bufe & Michal Grinstein-Weiss & Stephanie Skees, 2022. "Assessing the Short-Term Stability of Financial Well-Being in Low- and Moderate-Income Households," Journal of Family and Economic Issues, Springer, vol. 43(1), pages 100-127, March.
    10. Sherraden, Margaret & Peters, Clark & Wagner, Kristen & Guo, Baorong & Clancy, Margaret, 2013. "Contributions of qualitative research to understanding savings for children and youth," Economics of Education Review, Elsevier, vol. 32(C), pages 66-77.
    11. Tucker, Jenna N. & Key, Clinton C. & Grinstein-Weiss, Michal, 2014. "The benefits of saving at tax time: Evidence from the $aveNYC evaluation," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 48(C), pages 50-61.
    12. Clinton Key & Jenna N. Tucker & Michal Grinstein-Weiss & Krista Comer, 2015. "Tax-Time Savings among Low-Income Households in the $aveNYC Program," Journal of Consumer Affairs, Wiley Blackwell, vol. 49(3), pages 489-518, November.

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