A large fraction of households have very little savings buffer and are there-fore vulnerable to financial shocks. We … increases intended sav-ings. In line with this, we find in our field experiment that households whoare exposed to the social … norm nudge click more often on a link to a personalwebpage where they can start or adjust an automatic savings plan …

paper we study the effect of this developmenton the demand for second mortgages and on the savings of Dutch households. We …) the savings of renters that may be considered as would-beowners. We find a significant effect of home equity on the demand … for second mortgages.Savings of homeowners decrease when house prices accelerate. We find no evidence that inc …

the aggregate consumption to income ratio. By standard intertemporal budget constraint logic, this ratio is linked to … expectations of future income and consumption growth rates. We investigate whether these expectations suffice to explain the shifts … in the consumption-income ratio that occur during disaster periods or whether, on the other hand, consumers become more …