We created a theoretical model of the main factors that influence household savings based on our secondary research …”: Their knowledge of savings products is above average, and they also try to take advantage of various tax allowances to a … moderate degree. 2. “Lives for today”: They are least familiar with the various savings options. Exploiting State tax …

of in cash can play a major role in encouraging savings. When paid on the account, the money is saved by default, while … empathy towards the banker. Second, we provide evidence against the treated having developed an active savings habit on the …

studies. We use aunique panel data set on household savings. We find that that a higher unemploymentexpectation significantly … decreases savings. However, we are not able to identify asignificant relationship between general future income expectations and … savings. Moreover,we find that good health expectations increase savings in Western Germany, butdecrease the savings in …

-cycle framework how individuals respond to recessions. Our focus is on the sharp increase in savings rates that have been observed in … times. We show that the rise in the aggregate savings ratio is driven by increases in uncertainty, rather than tighening of …

This paper analyses the role played by financial literacy in savings decisions and wealth decumulation. The broad …-cycle perspective, and we look at the impact of financial literacy on three different dimensions of savings decisions: an unbalanced …

There is a general consensus among researchers and policymakers that matched savings programs can significantly … whether principals and theories from behavioral economics affect the decisions that participants make in these savings … programs. Using a sample of people participating in the $aveNYC program, a matched savings program for very low …

-cycle framework how individuals respond to recessions. Our focus is on the sharp increase in savings rates that have been observed in … times. We show that the rise in the aggregate savings ratio is driven by increases in uncertainty, rather than tightening of …