• "Financial Literacy and Financial Sophistication Among Older Americans," with Olivia S. Mitchell, and Vilsa Curto, October 2009
  

• "Financial Literacy among the Young: Evidence and Implications for Consumer Policy," with Olivia S. Mitchell, and Vilsa Curto, August 2009
  Just the Facts

• "How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness," with Olivia Mitchell (Wharton School) March 2009

• "Debt Literacy, Financial Experience and Overindebtedness," joint with Peter Tufano (Harvard Business School), Working Paper, March 2009.
  Just the Facts

• Financial Literacy: An Essential Tool for Informed Consumer Choice? June 2008, Working Paper, Dartmouth College.

• "Planning and Financial Literacy: How Do Women Fare?," joint with Olivia Mitchell (Wharton School, University of Pennsylvania), American Economic Review, 98(2), pp. 413-417.

• Taking Financial Literacy to the Next Level: Important Challenges and Promising Solutions
  Volume I - Keynote addresses, interventions and main policy recommendations, pp. 41-47.

• “Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth,” joint with Olivia Mitchell (Wharton School, University of Pennsylvania), Journal of Monetary Economics, January 2007, vol. 54, pp. 205-224.

Winner of the Fidelity Pyramid Prize, 2007, awarded to authors of published applied research that best helps address the goal of improving lifelong financial well-being for Americans.

• “Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education,” joint with Olivia Mitchell (Wharton School, University of Pennsylvania), Business Economics, January 2007, vol. 42(1) pp. 35-44.

• “Saving Between Cohorts: The Role of Planning," joint with Jason Beeler in B. Madrian, O. Mitchell, and B. Soldo (eds.), Redefining Retirement: How Will Boomers Fare? Oxford University Press, 2007, pp. 271-295.

• “New Ways to Make People Save: A Social Marketing Approach,” joint with Punam Keller (Tuck School of Business) and Adam M Keller (Executive VP for Finance and Administration, Dartmouth College), for the book, "Overcoming the saving slump: How to increase the effectiveness of financial education and saving programs," edited by Annamaria Lusardi.

• “Household Saving Behavior: The Role of Literacy, Information and Financial Education Programs,” written for the conference “Implications of Behavioral Economics for Economic Policy” held at the Federal Reserve Bank of Boston on September 27-28, 2007.

• “Financial Literacy and Stock Market Participation,” joint with Maarten van Rooji (Dutch Central Bank) and Rob Alessie (University of Utrecht), October 2007, MRRC Working Paper No. 2007-162.

• “Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel”, joint work with Olivia Mitchell Wharton School, University of Pennsylvania). October 2007, MRRC Working Paper No. 2007-157. A summary

• “Financial Literacy and Planning: Implications for Retirement Wellbeing,” joint with Olivia Mitchell (Wharton School, University of Pennsylvania), Pension Research Council Working Paper n. 1, 2006.

• “Saving and the Effectiveness of Financial Education,” Pension Design and Structure: New Lessons from Behavioral Finance, edited by O. Mitchell and S. Utkus, Oxford University Press, 2004, pp. 157-184. Reprinted in the Journal of Financial Transformation,  issue on Wealth, Volume 15, December 2005.

• "Financial Education and the Saving Behavior of African-American and Hispanic Households," 2005.

• “Planning and Savings for Retirement” Working Paper, Dartmouth College, 2003.

• “Preparing for Retirement: The Importance of Planning Costs,” National Tax Association Proceedings, 2002, pp. 148-154.

• “Saving for Retirement: the Importance of Planning,” TIAA-CREF Institute, Issue n. 66, December 2000.

• "Information, Expectations, and Savings for Retirement," in Henry Aaron (ed.), Behavioral Dimensions of Retirement Economics, Washington, D.C.: Brookings Institution Press and Russell Sage Foundation, 1999, pp. 81-115.

ENTREPRENEURSHIP

• "Where does regulation hurt? Evidence from new businesses across countries," joint with Silvia Ardagna (Harvard University), February 2009.

• "Explaining International Differences in Entrepreneurship: The Role of Individual Characteritics and Regulatory Constraints," joint with Silvia Ardagna (Harvard University), NBER Working Paper 14012, May 2008.

• “Liquidity Constraints, Household Wealth, and Entrepreneurship,” joint with Erik Hurst (University of Chicago Graduate School of Business), Journal of Political Economy, April 2004, Vol. 112(2), pp. 319-347.

• "Liquidity Constraints and Entrepreneurship. Household Wealth, Parental Wealth, and the Transition In and Out of Entrepreneurship," joint with Erik Hurst (University of Chicago Graduate School of Business), December 2006, forthcoming in "Overcoming Barriers to Entrepreneurship," Rowman and Littlefield.

PRECAUTIONARY SAVING

• "The Importance of Business Owners in Assessing the Size of Precautionary Savings," joint with Erik Hurst (University of Chicago GSB), Arthur Kennickell (Board of Governors) and Francisco Torralba (University of Chicago), forthcoming, Review of Economics and Statistics.
  Robustness Appendix

• “Disentangling the Importance of the Precautionary Saving Motive," joint with Arthur Kennickell (Board of Governors), Working Paper, Dartmouth College, 2004.

• "On the Importance of the Precautionary Saving Motive," American Economic Review, May 1998, vol. 88(2), pp. 449-453.

• "Precautionary Saving and Subjective Earnings Variance," Economics Letters, December 1997, vol. 57(3), pp. 319-326.

COMPREHENSIVE SURVEY ON SAVING

• "Household Saving: Micro Theories and Micro Facts," joint with Martin Browning, Journal of Economic Literature, December 1996, vol. 34, pp. 1797-1855.

SOCIAL SECURITY

• "Explaining the Wealth Holdings of Different Cohorts: Productivity Growth and Social Security," joint with Rob Alessie and Arie Kapteyn, July 2005, European Economic Review, vol 49, pp 1361-1381.

CONSUMPTION

• "Permanent Income, Current Income and Consumption: Evidence from Two Panel Data Sets," Journal of Business and Economic Statistics, January 1996, vol. 14(1), pp. 81-90.

• "Excess Sensitivity and Asymmetries in Consumption: An Empirical Investigation," joint with René Garcia and Serena Ng, Journal of Money, Credit and Banking, May 1997, vol. 29(2), pp. 154-176.

• "Consumption, Saving and Habit Formation," joint with Rob Alessie, Economics Letters, August 1997, vol. 55(1), pp. 103-108.

PUBLIC POLICY AND SAVINGS

• “Saving, Public Policy and Late-Life Inequality,” joint with Jonathan Skinner and Steven Venti, in S. Crystal and D. Shea (eds.), Annual Review of Gerontology and Geriatrics, 2002, pp. 207-238.

• "Saving Puzzles and Saving Policies in the United States” joint with Jonathan Skinner and Steven Venti, Oxford Review of Economic Policy, Spring 2001, 17(1), 95-115. NBER Working Paper 8237.

• “Pension Accounting and Personal Saving,” joint with Jonathan Skinner and Steven Venti, in Just the Facts on Retirement Issues, Center for Retirement Research at Boston College, 2003.

• “Increasing Saving among the Poor: The Role of Financial Literacy,” Poverty Research News, Northwestern/University of Chicago Joint Center for Poverty Research, January-February 2002, vol. 6(1).

SAVING ACROSS COUNTRIES

• “Saving: A Cross-National Perspective,” joint with Axel Borsch-Supan in  A. Borsch-Supan (ed.),  Life-Cycle Savings and Public Policy: A Cross-National Study in Six Countries, Academic Press, 2003, pp. 1-31.

• Review of the book: “Understanding Saving: Evidence from the United States and Japan," by Fumio Hayashi, MIT Press, 1997, Southern Economic Journal, July 1998, vol. 65, pp. 198-202.

THE DECLINE IN SAVING RATES

• Discussion of the paper: "Spendthrift in America? On Two Decades of Decline in the U.S. Personal Saving," in B. Bernanke and J. Rotemberg (eds.), NBER Macroeconomics Annual 1999, pp. 374-386.

SAVING OVER THE LIFE CYCLE

• “Savings of Young Parents (2001),” joint with Ricardo Cossa and E. Krupka, Journal of Human Resources, Fall 2001, 36(4), pp. 762-794.

• "Saving after Retirement: Evidence from Three Different Surveys," joint with Rob Alessie and Arie Kapteyn, Labour Economics, June 1999, vol. 6(2), pp. 277-310.

• "Saving and Income Smoothing: Evidence from Panel Data," joint with Rob Alessie, European Economic Review, July 1997, vol. 41, pp. 1251-1279.

• "Income and Wealth over the Life Cycle: Evidence from Panel Data," joint with Rob Alessie and Trea Aldershof, Review of Income and Wealth, March 1997, vol. 43(1), pp. 1-32.

• "Saving and Wealth Holdings of the Elderly," joint with Rob Alessie and Arie Kapteyn, Research in Economics, September 1995, vol. 49, pp. 293-315.

CREDIT MARKETS AND THE LABOR MARKET

• "Credit Market Constraints and Labor Market Decisions," joint with Daniela Del Boca, Labour Economics, December 2003, vol. 10, pp. 681-703.