메뉴 건너뛰기




Volumn 72, Issue 2, 2012, Pages 39-48

Raising household saving: Does financial education work?

Author keywords

[No Author keywords available]

Indexed keywords

ADULT; ARTICLE; ECONOMICS; EDUCATION; FINANCIAL MANAGEMENT; HUMAN; INCOME; METHODOLOGY; RETIREMENT; UNITED STATES;

EID: 84864530699     PISSN: 00377910     EISSN: None     Source Type: Journal    
DOI: None     Document Type: Article
Times cited : (25)

References (66)
  • 2
    • 77949813743 scopus 로고    scopus 로고
    • The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation
    • Agarwal, Sumit, John C. Driscoll, Xavier Gabaix, and David Laibson. 2009. "The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation." Brookings Papers on Economic Activity 40(2): 51-117.
    • (2009) Brookings Papers on Economic Activity , vol.40 , Issue.2 , pp. 51-117
    • Agarwal, S.1    Driscoll, J.C.2    Gabaix, X.3    Laibson, D.4
  • 3
    • 0041861222 scopus 로고    scopus 로고
    • Wealth Accumulation and the Propensity to Plan
    • Ameriks, John, Andrew Caplin, and John Leahy. 2003. "Wealth Accumulation and the Propensity to Plan." Quarterly Journal of Economics 118(3): 1007-1047.
    • (2003) Quarterly Journal of Economics , vol.118 , Issue.3 , pp. 1007-1047
    • Ameriks, J.1    Caplin, A.2    Leahy, J.3
  • 6
    • 70350517542 scopus 로고    scopus 로고
    • The Effects of Education in the Workplace: Evidence from a Survey of Employers
    • Bayer, Patrick J., B. Douglas Bernheim, and John Karl Scholz. 2009. "The Effects of Education in the Workplace: Evidence from a Survey of Employers." Economic Inquiry 47(4): 605-624.
    • (2009) Economic Inquiry , vol.47 , Issue.4 , pp. 605-624
    • Bayer, P.J.1    Bernheim, B.D.2    Scholz, J.K.3
  • 7
    • 0004863696 scopus 로고
    • Do Households Appreciate their Financial Vulnerabilities?
    • Tax Policy and Economic Growth, 1-30. Washington, DC: American Council for Capital Formation
    • Bernheim, B. Douglas. 1995. "Do Households Appreciate their Financial Vulnerabilities? An Analysis of Actions, Perceptions, and Public Policy." In Tax Policy and Economic Growth, 1-30. Washington, DC: American Council for Capital Formation.
    • (1995) An Analysis of Actions, Perceptions, and Public Policy
    • Bernheim, B.D.1
  • 8
    • 0005099422 scopus 로고    scopus 로고
    • Financial Illiteracy, Education, and Retirement Saving
    • edited by Olivia S. Mitchell and Sylvester J. Schieber, 38-68. Philadelphia, PA: University of Pennsylvania Press
    • Bernheim, B. Douglas. 1998. "Financial Illiteracy, Education, and Retirement Saving." In Living with Defined Contribution Pensions, edited by Olivia S. Mitchell and Sylvester J. Schieber, 38-68. Philadelphia, PA: University of Pennsylvania Press.
    • (1998) Living with Defined Contribution Pensions
    • Bernheim, B.D.1
  • 9
    • 0041340926 scopus 로고    scopus 로고
    • The Effects of Financial Education in the Workplace: Evidence from a Survey of Households
    • Bernheim, B. Douglas, and Daniel M. Garrett. 2003. "The Effects of Financial Education in the Workplace: Evidence from a Survey of Households." Journal of Public Economics 87 (7-8): 1487-1519.
    • (2003) Journal of Public Economics , vol.87 , Issue.7-8 , pp. 1487-1519
    • Bernheim, B.D.1    Garrett, D.M.2
  • 10
    • 0043094430 scopus 로고    scopus 로고
    • Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates
    • Bernheim, B. Douglas, Daniel M. Garrett, and Dean M. Maki. 2001. "Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates." Journal of Public Economics 80(3): 435-465.
    • (2001) Journal of Public Economics , vol.80 , Issue.3 , pp. 435-465
    • Bernheim, B.D.1    Garrett, D.M.2    Maki, D.M.3
  • 11
    • 20144384521 scopus 로고    scopus 로고
    • Financial Literacy: An Overview of Practice, Research, and Policy
    • Braunstein, Sandra, and Carolyn Welch. 2002. "Financial Literacy: An Overview of Practice, Research, and Policy." Federal Reserve Bulletin 88(11): 445-457.
    • (2002) Federal Reserve Bulletin , vol.88 , Issue.11 , pp. 445-457
    • Braunstein, S.1    Welch, C.2
  • 13
    • 33746814380 scopus 로고    scopus 로고
    • NBER Working Paper No. 12149. Cambridge, MA: National Bureau of Economic Research
    • Campbell, John Y. 2006. "Household Finance." NBER Working Paper No. 12149. Cambridge, MA: National Bureau of Economic Research.
    • (2006) Household Finance
    • Campbell, J.Y.1
  • 14
    • 84866311704 scopus 로고    scopus 로고
    • CFA & FPA. See Consumer Federation of America and The Financial Planning Association
    • CFA & FPA. See Consumer Federation of America and The Financial Planning Association.
  • 19
  • 20
    • 0005102614 scopus 로고    scopus 로고
    • Factors Affecting Participation Rates and Contribution Levels in 401(k) Plans
    • edited by Olivia S. Mitchell and Sylvester J. Schieber, 69-97. Philadelphia, PA: University of Pennsylvania Press
    • Clark, Robert L., and Sylvester J. Schieber. 1998. "Factors Affecting Participation Rates and Contribution Levels in 401(k) Plans." In Living with Defined Contribution Pension Plans, edited by Olivia S. Mitchell and Sylvester J. Schieber, 69-97. Philadelphia, PA: University of Pennsylvania Press.
    • (1998) Living with Defined Contribution Pension Plans
    • Clark, R.L.1    Schieber, S.J.2
  • 22
    • 80053585266 scopus 로고    scopus 로고
    • Consumer Federation of America and The Financial Planning Association. CFA Press Release
    • Consumer Federation of America and The Financial Planning Association. 2006. "How Americans View Personal Wealth vs. How Financial Planners View This Wealth." CFA Press Release. http://www.consumerfed.org/elements/www.consumerfed.org/file/finance/Financial_Planners_Study011006.pdf.
    • (2006) How Americans View Personal Wealth vs. How Financial Planners View This Wealth
  • 24
    • 57749175968 scopus 로고    scopus 로고
    • Post-Purchase Counseling and Default Resolutions Among Low-and Moderate-Income Borrowers
    • Ding, Lei, Roberto G. Quercia, and Janneke Ratcliffe. 2008. "Post-Purchase Counseling and Default Resolutions Among Low- and Moderate-Income Borrowers." Journal of Real Estate Research 30(3): 315-344.
    • (2008) Journal of Real Estate Research , vol.30 , Issue.3 , pp. 315-344
    • Ding, L.1    Quercia, R.G.2    Ratcliffe, J.3
  • 25
    • 0036274971 scopus 로고    scopus 로고
    • Participation and Investment Decisions in a Retirement Plan: The Influence of Colleagues' Choices
    • Duflo, Esther, and Emmanuel Saez. 2002. "Participation and Investment Decisions in a Retirement Plan: The Influence of Colleagues' Choices." Journal of Public Economics 85(1): 121-148.
    • (2002) Journal of Public Economics , vol.85 , Issue.1 , pp. 121-148
    • Duflo, E.1    Saez, E.2
  • 26
    • 0041861253 scopus 로고    scopus 로고
    • The Role of Information and Social Interactions in Retirement Plan Decisions: Evidence from a Randomized Experiment
    • Duflo, Esther, and Emmanuel Saez. 2003. "The Role of Information and Social Interactions in Retirement Plan Decisions: Evidence from a Randomized Experiment." Quarterly Journal of Economics 118(3): 815-842.
    • (2003) Quarterly Journal of Economics , vol.118 , Issue.3 , pp. 815-842
    • Duflo, E.1    Saez, E.2
  • 27
    • 84866310872 scopus 로고    scopus 로고
    • EBRI. See Employee Benefit Research Institute
    • EBRI. See Employee Benefit Research Institute.
  • 29
    • 84866317733 scopus 로고    scopus 로고
    • Employee Benefit Research Institute. Reflecting 'The New Normal.' EBRI Issue Brief No. 355. Washington, DC: EBRI
    • Employee Benefit Research Institute. 2011. "The 2011 Retirement Confidence Survey: Confidence Drops to Record Lows, Reflecting 'The New Normal.'" EBRI Issue Brief No. 355. Washington, DC: EBRI.
    • (2011) The 2011 Retirement Confidence Survey: Confidence Drops to Record Lows
  • 34
    • 79958848405 scopus 로고    scopus 로고
    • Working Paper No. 08-03. Cleveland, OH: Federal Reserve Bank of Cleveland
    • Hathaway, Ian, and Sameer Khatiwada. 2008. "Do Financial Education Programs Work?" Working Paper No. 08-03. Cleveland, OH: Federal Reserve Bank of Cleveland.
    • (2008) Do Financial Education Programs Work?
    • Hathaway, I.1    Khatiwada, S.2
  • 35
    • 28044445744 scopus 로고    scopus 로고
    • Household Financial Management: The Connection Between Knowledge and Behavior
    • Hilgert, Marianne A., and Jeanne M. Hogarth. 2003. "Household Financial Management: The Connection Between Knowledge and Behavior." Federal Reserve Bulletin 89(7): 309-322.
    • (2003) Federal Reserve Bulletin , vol.89 , Issue.7 , pp. 309-322
    • Hilgert, M.A.1    Hogarth, J.M.2
  • 37
    • 84866310869 scopus 로고    scopus 로고
    • Jump$tart Coalition for Personal Finance Literacy
    • Jump$tart Coalition for Personal Finance Literacy. 2011. "State Financial Education Requirements." http://www.jumpstart.org/state-financial-education-requirements.html.
    • (2011) State Financial Education Requirements
  • 38
    • 78650764792 scopus 로고    scopus 로고
    • The Role of Behavioral Economics and Behavioral Decision Making in Americans' Retirement Savings Decisions
    • Knoll, Melissa A.Z. 2010. "The Role of Behavioral Economics and Behavioral Decision Making in Americans' Retirement Savings Decisions." Social Security Bulletin 70(4): 1-23.
    • (2010) Social Security Bulletin , vol.70 , Issue.4 , pp. 1-23
    • Knoll, M.A.Z.1
  • 39
    • 0002855123 scopus 로고    scopus 로고
    • Behavioral Dimensions of Retirement Economics, edited by Henry Aaron, 81-115. Washington, DC: Brookings Institution Press and Russell Sage Foundation
    • Lusardi, Annamaria. 1999. "Information, Expectations, and Savings for Retirement." In Behavioral Dimensions of Retirement Economics, edited by Henry Aaron, 81-115. Washington, DC: Brookings Institution Press and Russell Sage Foundation.
    • (1999) Information, Expectations, and Savings for Retirement
    • Lusardi, A.1
  • 40
    • 37649016825 scopus 로고    scopus 로고
    • Preparing for Retirement: The Importance of Planning Costs
    • Orlando FL, November 14-16, 2002 148-154. Washington, DC: National Tax Association.
    • Lusardi, Annamaria. 2002. "Preparing for Retirement: The Importance of Planning Costs." In Proceedings of the 95th Annual Conference on Taxation: Orlando FL, November 14-16, 2002, 148-154. Washington, DC: National Tax Association.
    • (2002) Proceedings of the 95th Annual Conference on Taxation
    • Lusardi, A.1
  • 44
    • 36348981411 scopus 로고    scopus 로고
    • MRRC Working Paper No. 122. Ann Arbor, MI: Michigan Retirement Research Center
    • Lusardi, Annamaria, and Jason Beeler. 2006. "Savings Between Cohorts: The Role of Planning." MRRC Working Paper No. 122. Ann Arbor, MI: Michigan Retirement Research Center.
    • (2006) Savings Between Cohorts: The Role of Planning
    • Lusardi, A.1    Beeler, J.2
  • 51
    • 84901170559 scopus 로고    scopus 로고
    • Financial Education and Private Pensions
    • edited by William G. Gale, John B. Shoven, and Mark J. Warshawsky. Washington, DC: Brookings Institution Press
    • Maki, Dean M. 2004. "Financial Education and Private Pensions." In Private Pensions and Public Policies, edited by William G. Gale, John B. Shoven, and Mark J. Warshawsky. Washington, DC: Brookings Institution Press.
    • (2004) Private Pensions and Public Policies
    • Maki, D.M.1
  • 53
    • 84870993287 scopus 로고    scopus 로고
    • The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making
    • San Francisco, CA (January 4)
    • Mandell, Lewis. 2009. "The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making." Presentation prepared for the 121st Annual Meeting of the American Economic Association, San Francisco, CA (January 4).
    • (2009) Presentation prepared for the 121st Annual Meeting of the American Economic Association
    • Mandell, L.1
  • 54
    • 77953754941 scopus 로고    scopus 로고
    • The Impact of Financial Literacy Education on Subsequent Financial Behavior
    • Mandell, Lewis, and Linda Schmid Klein. 2009. "The Impact of Financial Literacy Education on Subsequent Financial Behavior." Journal of Financial Counseling and Planning 20(1): 15-24.
    • (2009) Journal of Financial Counseling and Planning , vol.20 , Issue.1 , pp. 15-24
    • Mandell, L.1    Klein, L.S.2
  • 56
    • 40849100323 scopus 로고    scopus 로고
    • Effects of Individual Development Accounts on Asset Purchases and Saving Behavior: Evidence from a Controlled Experiment
    • Mills, Gregory, William G. Gale, Rhiannon Patterson, Gary V. Engelhardt, Michael D. Eriksen, and Emil Apostolov. 2008. "Effects of Individual Development Accounts on Asset Purchases and Saving Behavior: Evidence from a Controlled Experiment." Journal of Public Economics 92(5-6): 1509-1530.
    • (2008) Journal of Public Economics , vol.92 , Issue.5-6 , pp. 1509-1530
    • Mills, G.1    Gale, W.G.2    Patterson, R.3    Engelhardt, G.V.4    Eriksen, M.D.5    Apostolov, E.6
  • 57
    • 33746793835 scopus 로고    scopus 로고
    • Survey of Financial Literacy in Washington State: Knowledge, Behavior, Attitudes and Experiences
    • Pullman, WA: Washington State University
    • Moore, Danna. 2003. "Survey of Financial Literacy in Washington State: Knowledge, Behavior, Attitudes and Experiences." Social and Economic Sciences Research Center Technical Report No. 03-39. Pullman, WA: Washington State University.
    • (2003) Social and Economic Sciences Research Center Technical Report No. 03-39
    • Moore, D.1
  • 58
    • 0038604403 scopus 로고    scopus 로고
    • Does Retirement Education Teach People to Save Pension Distributions?
    • Muller, Leslie A. 2002. "Does Retirement Education Teach People to Save Pension Distributions?" Social Security Bulletin 64(4): 48-65.
    • (2002) Social Security Bulletin , vol.64 , Issue.4 , pp. 48-65
    • Muller, L.A.1
  • 59
    • 44649084492 scopus 로고    scopus 로고
    • Effective Retirement Savings Programs: Design Features and Financial Education
    • Olsen, Anya, and Kevin Whitman. 2007. "Effective Retirement Savings Programs: Design Features and Financial Education." Social Security Bulletin 67(3): 53-72.
    • (2007) Social Security Bulletin , vol.67 , Issue.3 , pp. 53-72
    • Olsen, A.1    Whitman, K.2
  • 60
    • 49049084642 scopus 로고    scopus 로고
    • Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?
    • Quercia, Roberto, and Jonathan Spader. 2008. "Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?" Journal of Policy Analysis and Management 27(2): 304-325.
    • (2008) Journal of Policy Analysis and Management , vol.27 , Issue.2 , pp. 304-325
    • Quercia, R.1    Spader, J.2
  • 61
    • 0345292125 scopus 로고    scopus 로고
    • Homeownership Counseling Performance: How Can It Be Measured?
    • Quercia, Roberto, and Susan Wachter. 1996. "Homeownership Counseling Performance: How Can It Be Measured?" Housing Policy Debate 7(1): 175-200.
    • (1996) Housing Policy Debate , vol.7 , Issue.1 , pp. 175-200
    • Quercia, R.1    Wachter, S.2
  • 62
    • 84883922452 scopus 로고    scopus 로고
    • Learning from Individual Development Accounts
    • edited by Annamaria Lusardi, 280-296. Chicago, IL: University of Chicago Press
    • Sherraden, Michael, and Ray Boshara. 2008. "Learning from Individual Development Accounts." In Overcoming the Savings Slump, edited by Annamaria Lusardi, 280-296. Chicago, IL: University of Chicago Press.
    • (2008) Overcoming the Savings Slump
    • Sherraden, M.1    Boshara, R.2


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.