id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3908	Elder, Harold W.; Rudolph, Patricia M.	Beliefs and actions: expectations and savings decisions by older Americans	2000	13	.pdf	application/pdf	6081	318	50	1.75 (12.51) STANDRD Coded response to the question, ‘‘Do you expect your living standards to increase a lot (4), increase somewhat (3), stay about the same (2), decline somewhat (1) or decline a lot (0)?’’ 1.60 (0.750) 37H.W. Elder, P.M. Rudolph / Financial Services Review 9 (2000) 33–45 the part of savings that is specifically set aside in an IRA (NWIRA) is used as another measure of accumulated retirement saving. The only differences in the estimates are found in the gender variable: males are significantly more optimistic about their level of retirement savings, in that males have a significantly higher level of anticipated savings, while there are no significant gender differences in actual accumulations.	cache/fsr-3908.pdf	txt/fsr-3908.txt