NBER Papers on Household Finance Working Group

browse older papers

2022
w29946 Jeffrey R. Brown
James M. Poterba
David P. Richardson

Trends in Retirement and Retirement Income Choices by TIAA Participants: 2000-2018
w29925 Michael Bailey
Drew M. Johnston
Martin Koenen
Theresa Kuchler
Dominic Russel
Johannes Stroebel

The Social Integration of International Migrants: Evidence from the Networks of Syrians in Germany
w29909 Theresa Kuchler
Monika Piazzesi
Johannes Stroebel

Housing Market Expectations
w29908 Kilian Huber
Estimating General Equilibrium Spillovers of Large-Scale Shocks
w29899 Zhiguo He
Zhaogang Song

Agency MBS as Safe Assets
w29887 Juliane Begenau
Emil Siriwardane

How do Private Equity Fees vary across Public Pensions?
w29881 Jonathan A. Parker
Antoinette Schoar
Allison T. Cole
Duncan Simester

Household Portfolios and Retirement Saving over the Life Cycle
w29878 Bruce D. Meyer
Connacher Murphy
James X. Sullivan

Changes in the Distribution of Economic Well-Being during the COVID-19 Pandemic: Evidence from Nationally Representative Consumption Data
w29868 Wenli Li
Costas Meghir
Florian Oswald

Consumer Bankruptcy, Mortgage Default and Labor Supply
w29856 Scott R. Baker
Efraim Benmelech
Zhishu Yang
Qi Zhang

Fertility and Savings: The Effect of China's Two-Child Policy on Household Savings
w29840 Marco Di Maggio
Dimuthu Ratnadiwakara
Don Carmichael

Invisible Primes: Fintech Lending with Alternative Data
w29821 Min Dai
Cong Qin
Neng Wang

Portfolio Rebalancing with Realization Utility
w29813 Jing Cai
Adam Szeidl

Indirect Effects of Access to Finance
w29750 Andreas Fuster
Basit Zafar

Survey Experiments on Economic Expectations
w29737 Robert A. Moffitt
John M. Abowd
Christopher R. Bollinger
Michael D. Carr
Charles M. Hokayem
Kevin L. McKinney
Emily E. Wiemers
Sisi Zhang
James P. Ziliak

Reconciling Trends in U.S. Male Earnings Volatility: Results from Survey and Administrative Data
w29723 Ron Kaniel
Zihan Lin
Markus Pelger
Stijn Van Nieuwerburgh

Machine-Learning the Skill of Mutual Fund Managers
w29691 Clément de Chaisemartin
Xavier D'Haultfoeuille

Two-Way Fixed Effects and Differences-in-Differences with Heterogeneous Treatment Effects: A Survey
w29689 Katja Hanewald
Hazel Bateman
Hanming Fang
Tin Long Ho

Long-Term Care Insurance Financing Using Home Equity Release: Evidence from an Online Experimental Survey
w29664 David Laibson
Peter Maxted
Benjamin Moll

A Simple Mapping from MPCs to MPXs
w29649 Isaac Ehrlich
Yong Yin

A Cross-Country Comparison of Old Age Financial Readiness in Asian Countries vs. the United States: The Case of Japan and the Republic of Korea
w29648 Jonathan A. Parker
Jake Schild
Laura Erhard
David Johnson

Household Spending Responses to the Economic Impact Payments of 2020: Evidence from the Consumer Expenditure Survey
w29647 Jean-François Bonnefon
Augustin Landier
Parinitha R. Sastry
David Thesmar

The Moral Preferences of Investors: Experimental Evidence
w29634 John Ameriks
Andrew Caplin
Minjoon Lee
Matthew D. Shapiro
Christopher Tonetti

Cognitive Decline, Limited Awareness, Imperfect Agency, and Financial Well-being
2021
w29604 Mark L. Egan
Alexander MacKay
Hanbin Yang

What Drives Variation in Investor Portfolios? Evidence from Retirement Plans
w29577 Benjamin Enke
Thomas Graeber

Cognitive Uncertainty in Intertemporal Choice
w29573 Valentina Brailovskaya
Pascaline Dupas
Jonathan Robinson

Is Digital Credit Filling a Hole or Digging a Hole? Evidence from Malawi
w29566 Ricardo Godoy
Dean Karlan
Jonathan Zinman

Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society
w29559 Victor Duarte
Julia Fonseca
Aaron S. Goodman
Jonathan A. Parker

Simple Allocation Rules and Optimal Portfolio Choice Over the Lifecycle
w29542 Sanghamitra W. Mukherjee
Lauren F. Bergquist
Marshall Burke
Edward Miguel

Unlocking the Benefits of Credit through Saving
w29527 Benjamin L. Collier
Cameron Ellis
Benjamin J. Keys

The Cost of Consumer Collateral: Evidence from Bunching
w29448 Greg Buchak
Jiayin Hu
Shang-Jin Wei

FinTech as a Financial Liberator
w29442 Ruediger Bachmann
Benjamin Born
Olga Goldfayn-Frank
Georgi Kocharkov
Ralph Luetticke
Michael Weber

A Temporary VAT Cut as Unconventional Fiscal Policy
w29411 Martin Kulldorff
Jay Bhattacharya

A Child Support Framework Accounting for Parenting Time and Half-Siblings
w29407 Nathan Barker
Gharad T. Bryan
Dean Karlan
Angela Ofori-Atta
Christopher R. Udry

Mental Health Therapy as a Core Strategy for Increasing Human Capital: Evidence from Ghana
w29405 Darren Aiello
Asaf Bernstein
Mahyar Kargar
Ryan Lewis
Michael Schwert

The Economic Burden of Pension Shortfalls: Evidence from House Prices
w29392 Edward N. Wolff
Inflation, Interest, and the Secular Rise in Wealth Inequality in the U.S.: Is the Fed Responsible?
w29386 Gabriel Garber
Atif R. Mian
Jacopo Ponticelli
Amir Sufi

Household Credit as Stimulus? Evidence from Brazil
w29374 Matthew Smith
Owen M. Zidar
Eric Zwick

Top Wealth in America: New Estimates and Implications for Taxing the Rich
w29336 Ulrike Malmendier
Exposure, Experience, and Expertise: Why Personal Histories Matter in Economics
w29311 Gharad T. Bryan
Dean Karlan
Adam Osman

Big Loans to Small Businesses: Predicting Winners and Losers in an Entrepreneurial Lending Experiment
w29306 Amir Kermani
Francis Wong

Racial Disparities in Housing Returns
w29279 Francesco D’Acunto
Daniel Hoang
Maritta Paloviita
Michael Weber

Human Frictions in the Transmission of Economic Policies
w29275 Francesco D’Acunto
Andreas Fuster
Michael Weber

Diverse Policy Committees Can Reach Underrepresented Groups
w29270 Anthony A. DeFusco
Huan Tang
Constantine Yannelis

Measuring the Welfare Cost of Asymmetric Information in Consumer Credit Markets
w29268 Kei Kawai
Ken Onishi
Kosuke Uetake

Signaling in Online Credit Markets
w29227 Alyce S. Adams
Raymond Kluender
Neale Mahoney
Jinglin Wang
Francis Wong
Wesley Yin

The Impact of Financial Assistance Programs on Health Care Utilization
w29214 Daniel Herbst
Nathaniel Hendren

Opportunity Unraveled: Private Information and the Missing Markets for Financing Human Capital
w29178 Benjamin R. Handel
Jonathan T. Kolstad

The Affordable Care Act After a Decade: Industrial Organization of the Insurance Exchanges
w29169 Constantine Yannelis
Anthony Lee Zhang

Competition and Selection in Credit Markets
w29161 Adrien Auclert
Hannes Malmberg
Frederic Martenet
Matthew Rognlie

Demographics, Wealth, and Global Imbalances in the Twenty-First Century
w29142 David Hao Zhang
Paul S. Willen

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus
w29140 Gabriel Chodorow-Reich
Adam M. Guren
Timothy J. McQuade

The 2000s Housing Cycle With 2020 Hindsight: A Neo-Kindlebergerian View
w29130 Lance Lochner
Qian Liu
Martin Gervais

Return on Student Loans in Canada
w29111 Daniel Keniston
Bradley J. Larsen
Shengwu Li
J.J. Prescott
Bernardo S. Silveira
Chuan Yu

Fairness in Incomplete Information Bargaining: Theory and Widespread Evidence from the Field
w29094 David Laibson
Peter Maxted
Benjamin Moll

Present Bias Amplifies the Household Balance-Sheet Channels of Macroeconomic Policy
w29069 Michael J. Gropper
Camelia M. Kuhnen

Wealth and Insurance Choices: Evidence from US Households
w29065 Vimal Balasubramaniam
John Y. Campbell
Tarun Ramadorai
Benjamin Ranish

Who Owns What? A Factor Model for Direct Stock Holding
w29039 Liran Einav
Amy Finkelstein
Neale Mahoney

The IO of Selection Markets
w29027 Scott R. Baker
Lorenz Kueng

Household Financial Transaction Data
w28967 Xavier Gabaix
Ralph S. J. Koijen

In Search of the Origins of Financial Fluctuations: The Inelastic Markets Hypothesis
w28956 Paolina C. Medina
Michaela Pagel

Does Saving Cause Borrowing?
w28938 Orazio Attanasio
Agnes Kovacs
Patrick Moran

Temptation and Incentives to Wealth Accumulation
w28926 Haoyang Liu
Christopher Palmer

Are Stated Expectations Actual Beliefs? New Evidence for the Beliefs Channel of Investment Demand
w28919 Mark Duggan
Irena Dushi
Sookyo Jeong
Gina Li

The Effect of Changes in Social Security's Delayed Retirement Credit: Evidence from Administrative Data
w28901 Bronson Argyle
Benjamin Iverson
Taylor D. Nadauld
Christopher Palmer

Personal Bankruptcy and the Accumulation of Shadow Debt
w28900 Jacelly C. Cespedes
Carlos R. Parra
Clemens Sialm

The Effect of Principal Reduction on Household Distress: Evidence from Mortgage Cramdown
w28887 Sushil Bikhchandani
David Hirshleifer
Omer Tamuz
Ivo Welch

Information Cascades and Social Learning
w28854 Long Chen
Yadong Huang
Shumiao Ouyang
Wei Xiong

The Data Privacy Paradox and Digital Demand
w28851 Weiran Huang
Ashlyn Nelson
Stephen Ross

Foreclosure Spillovers within broad Neighborhoods
w28843 Andreas Fuster
Aurel Hizmo
Lauren Lambie-Hanson
James Vickery
Paul S. Willen

How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic
w28806 Lars E.O. Svensson
Household Debt Overhang Did Hardly Cause a Larger Spending Fall during the Financial Crisis in the UK
w28799 Hunt Allcott
Joshua J. Kim
Dmitry Taubinsky
Jonathan Zinman

Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending
w28796 Stephen L. Ross
Tingyu Zhou

Loss Aversion in Housing Sales Prices: Evidence from Focal Point Bias
w28788 Laurent E. Calvet
John Y. Campbell
Francisco Gomes
Paolo Sodini

The Cross-Section of Household Preferences
w28781 Stephen L. Ross
Yuan Wang

Mortgage Lenders and the Geographic Concentration of Foreclosures
w28776 Lars E.O. Svensson
Household Debt Overhang Did Hardly Cause a Larger Spending Fall during the Financial Crisis in Australia
w28765 Jialan Wang
Kathleen Burke

The Effects of Disclosure and Enforcement on Payday Lending in Texas
w28759 Matthew E. Kahn
Racial and Ethnic Differences in the Financial Returns to Home Purchases from 2007 to 2020
w28741 M. Kate Bundorf
Jill DeMatteis
Grant Miller
Maria Polyakova
Jialu L. Streeter
Jonathan Wivagg

Risk Perceptions and Protective Behaviors: Evidence from COVID-19 Pandemic
w28724 Paul Gertler
Brett Green
Catherine Wolfram

Digital Collateral
w28721 Olivia S. Mitchell
Robert L. Clark
Annamaria Lusardi

What Explains Low Old-Age Income? Evidence from the Health and Retirement Study
w28675 Arpit Gupta
Vrinda Mittal
Jonas Peeters
Stijn Van Nieuwerburgh

Flattening the Curve: Pandemic-Induced Revaluation of Urban Real Estate
w28669 Kristy Fan
Tyler J. Fisher
Andrew A. Samwick

The Insurance Value of Financial Aid
w28650 Benjamin Enke
Uri Gneezy
Brian Hall
David C. Martin
Vadim Nelidov
Theo Offerman
Jeroen van de Ven

Cognitive Biases: Mistakes or Missing Stakes?
w28613 Daniel L. Greenwald
Matteo Leombroni
Hanno Lustig
Stijn Van Nieuwerburgh

Financial and Total Wealth Inequality with Declining Interest Rates
w28607 David McKenzie
Aakash Mohpal
Dean Yang

Aspirations and Financial Decisions: Experimental Evidence from the Philippines
w28580 William N. Goetzmann
Christophe Spaenjers
Stijn Van Nieuwerburgh

Real and Private-Value Assets
w28574 Asaf Bernstein
Peter Koudijs

The Mortgage Piggy Bank: Building Wealth through Amortization
w28473 Thomas J. Sargent
Neng Wang
Jinqiang Yang

Stochastic Earnings Growth and Equilibrium Wealth Distributions
w28557 James M. Poterba
Adam Solomon

Discount Rates, Mortality Projections, and Money's Worth Calculations for US Individual Annuities
w28490 Vanya Horneff
Raimond Maurer
Olivia S. Mitchell

Do Required Minimum Distribution 401(k) Rules Matter, and For Whom? Insights from a Lifecycle Model
w28489 Gaetano Gaballo
Guillermo Ordoñez

The Two Faces of Information
w28479 Paolina C. Medina
Vrinda Mittal
Michaela Pagel

The Effect of Stock Ownership on Individual Spending and Loyalty
w28469 John Chalmers
Olivia S. Mitchell
Jonathan Reuter
Mingli Zhong

Auto-Enrollment Retirement Plans for the People: Choices and Outcomes in OregonSaves
w28430 Long Hong
Corina Mommaerts

Time Aggregation in Health Insurance Deductibles
w28426 Alp Simsek
The Macroeconomics of Financial Speculation
w28398 Jacob Goldin
Tatiana Homonoff
Rizwan Javaid
Brenda Schafer

Tax Filing and Take-Up: Experimental Evidence on Tax Preparation Outreach and EITC Participation
w28383 Edward N. Wolff
Household Wealth Trends in the United States, 1962 to 2019: Median Wealth Rebounds... But Not Enough
w28363 Ankit Kalda
Benjamin Loos
Alessandro Previtero
Andreas Hackethal

Smart(Phone) Investing? A within Investor-time Analysis of New Technologies and Trading Behavior.
w28361 Abigail Hurwitz
Olivia S. Mitchell
Orly Sade

Longevity Perceptions and Saving Decisions during the COVID-19 Outbreak: An Experimental Investigation
w28357 Susan F. Cherry
Erica Xuewei Jiang
Gregor Matvos
Tomasz Piskorski
Amit Seru

Government and Private Household Debt Relief during COVID-19
w28338 Supreet Kaur
Sendhil Mullainathan
Suanna Oh
Frank Schilbach

Do Financial Concerns Make Workers Less Productive?
w28329 Gopi Shah Goda
Jialu Liu Streeter

Wealth Trajectories Across Key Milestones: Longitudinal Evidence from Life-Course Transitions

browse older papers


Generated on Sun Apr 24 00:00:03 2022