supplementary receipt of the private device significantly increased the wife's savings in couples with a low level of spousal trust … more effective hiding of the wife's savings amounts, facilitated through the private saving device. From a policy …

experiment, these spouses randomly received either only a joint savings device (control) or, additionally, a device for … individual usage (treatment). Combining data from both experiments, we examine how the impact of the strategically usable savings … individual device reported significantly higher savings only when spouses' decisions in the trust game were aligned. When …

In randomized field experiments, we embedded one- to two-sentence anchoring, goal-setting, or savings threshold cues in … emails to employees about their 401(k) savings plan. We find that anchors increase or decrease 401(k) contribution rates by … up to 1.4% of income. A high savings goal example raises contribution rates by up to 2.2% of income. Highlighting a …

determine retirement savings and tax payments. Flat income and tax-rate profiles facilitate the analysis of behavioral factors … like present-period tax avoidance, while optimal consumption and after-tax savings are identical for both treatments. Our … results show that observed savings are suboptimal in both treatments and are influenced by gender, patience, and risk aversion …