We study the psychological costs of financial constraints and their economic consequences.
Using a representative survey of US households, we document the prevalence of financial …

We study the introduction of a choice architecture design intended to increase short-term
savings among employees at five UK firms. Employees were offered the opportunity to opt …

We examine methods for evaluating interventions designed to improve decision-making
quality when people misunderstand the consequences of their choices. In an experiment …

By numerous accounts, a substantial share of working Americans save inadequately for
retirement. Such inadequacy implies future risk of being unable to pay for basic retirement …

We conduct a randomized controlled trial to understand how a web-based retirement saving
calculator affects workers' retirement-savings decisions. In both the treatment and active …

社会保障系统通过社会与个体的风险共担, 增进了个人, 家庭和社会的福利水平, 对就业, 消费,
投资均有显著影响. 过去社会保障理论侧重信息约束和跨期决策下的机制设计 …

This dissertation applies behavioral economics concepts to understand key issues in firms'
and individuals' decision making. In particular, this dissertation investigates the presence of …