impact on retirement savings. Our empirical investigations show that preferences, demographic characteristics and labor … retirement savings patterns. In our model, individuals decide how much to save in a setting that combines an irreversible … (particularly the irreversible ones) are not carefully designed, retirement savings can be severely a ffected …

2014 marks the 10-year anniversary of the introduction of health savings accounts (HSAs), created by Congress in 2003 … taxation. Because of this triple tax preference, some individuals might find using an HSA as a savings vehicle for health care … expenses in retirement more advantageous from a tax perspective than saving in a 401(k) plan or other retirement savings plan …

The primary motivation for retirement savings policy is the view that many of us, if left to our own devices, will not … federal policy scheme — have made such plans the predominant vehicle for private savings for retirement. A growing body of … evidence shows that the details of plan design can have large effects on savings outcomes. The design of the “choice …

access their own savings and retirement plan benefits to address their cash-flow problems without adversely affecting their …

The CARES Act provides cash-flow relief for individuals who want to access their savings and retirement plan benefits … eligible to access their own savings and retirement benefits? The HEROES Act, the multi-trillion-dollar proposal to supplement … the far narrower CARES Act eligibility criteria for individuals who wish to access their own savings and retirement …

paper reviews a range of studies of the adequacy of household saving, comparing estimated dollar savings shortfalls with …