Many Americans save too little, leaving them vulnerable to unexpected financial shocks. Finding ways to help Americans develop emergency savings funds could greatly improve welfare. A wealth of previous literature has demonstrated the central roles played by patience and self-control in...

Technological innovations have changed the way consumers manage money and conduct their financial lives. Today’s technological landscape offers a range of personal finance apps that allow consumers to pay bills, monitor budgets, manage cash flow, and save. The automation built into personal...