and homeownership. Using an instrumental variable strategy, we find a substantial positive impact of language skills on … the propensity to own a home and the quality of housing. While this effect is mediated by education and household income …

Since 2002 the German government seeks to stimulate private retirement savings by means of special allowances and tax …. -- Household saving ; Saving incentives ; Retirement ; Riester scheme ; Coarsened exact matching …

social programs, savings and the labor supplies of all adult household members. The optimal policy mix focuses mainly on … and savings decisions of singles and married couples. Partial insurance against wage and employment shocks is provided by … Social Assistance, which provides a permanent universal household income oor, with a minor role for temporary earnings …

We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity … constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new … harmonized data set collecting detailed information on wealth holdings, consumption and income at the household level. Since the …

pensionreforms led to an increase in the household savings rate in Germany until about2010. As domestic investment opportunities … could not absorb these additional sav-ings, they were partly invested abroad. The German current account-to-GDP ratiorose …. After 2010, private savings remained rather stable, but opportunities to investin Germany declined further. Our simulations …

Research has consistently shown that women's involvement in household decision making positively affects household … outcomes such as nutrition and education of children. Is financial literacy a determinant for women to participate in intra-household … decision making? Using data on savings groups in Rwanda, we examine this relationship and show that women with higher financial …

, savings, and the labor supplies of all adult household members. We show that the optimal policy mix is dominated by moderately …. To do so, we specify a structural life-cycle model of the labor supply, savings, and social assistance claiming decisions … generous social assistance, which guarantees a permanent universal minimum household income, with only a minor role for …

Household Finances collected in 2021, we show that about 62% of German households answer the Big Three financial literacy …