Data for world savings rates do not suggest that an aggregate glut of world savings has depressed US and international … interest rates in recent years. Unusual but offsetting changes in savings rates have been limited to three regions: sharp … increased very little. There are two important features of this change in regional savings behavior. First, three-quarters of …

, consumption, and savings. We find that winning a modest prize ($15,000 per year for twenty years) does not affect labor supply or … earnings substantially. Winning such a prize does not considerably reduce savings. Winning a much larger prize ($80,000 rather … approximately the same amount. Winning $80,000 increases overall savings, although savings in retirement accounts are not …

We study whether savings nudges have the unintended consequence of additional borrowing in high-interest credit. We use …

"temptation" spending unaffected or reduced. However, we found that promotion of savings lockboxes in a largely autarkic society …