This paper studies the economic benefits of home ownership. Exploiting a quasi-experiment surrounding privatization … of housing wealth are concentrated among the home owners who sell subsequent to privatization and among those who receive …

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

Population aging has been linked to a global savings glut and a decline in safe real interest rates. Conversely, risky …

savings has primarily focused on the impact of particular policy variables on savings. In this paper we examine Barro …

Seeking to reach the unbanked, the United States Postal Savings System provided a federally insured savings alternative …s. However, even during the earliest period, Postal Savings was only a partial substitute for traditional banks, as … locations with banks often still heavily used postal savings …

savings during their working years. For every $1 that flows into 401(k)s and similar accounts, between 30¢ and 40¢ leaks out … with helping households accumulate liquid savings that can be deployed when urgent pre-retirement needs arise …. Automatically enrolling workers into an employer-sponsored "rainy-day" or "emergency" savings account--terms that we use …

rate. So a rise will be driven by higher household savings of the coming years as the two primary forces that depressed … savings in recent years are reversed: the exceptionally rapid rise in household wealth and the high level of mortgage …