id	sid	eid	entity	type
fsr-3238	1	1	u.s.	GPE
fsr-3238	2	1	kyoung tae kima	PERSON
fsr-3238	2	2	sherman d. hannab	PERSON
fsr-3238	2	3	university of alabama	ORG
fsr-3238	2	4	tuscaloosa	GPE
fsr-3238	2	5	usa bdepartment	PERSON
fsr-3238	2	6	ohio state university	ORG
fsr-3238	2	7	columbus	GPE
fsr-3238	3	1	oh 43210	DATE
fsr-3238	4	1	u.s.	GPE
fsr-3238	4	2	age 35 to 60	DATE
fsr-3238	4	3	2010	DATE
fsr-3238	5	1	58%	PERCENT
fsr-3238	5	2	54%	PERCENT
fsr-3238	5	3	only 52%	PERCENT
fsr-3238	8	1	2015	CARDINAL
fsr-3238	8	2	academy of financial services	ORG
fsr-3238	10	1	jel	ORG
fsr-3238	10	2	1	CARDINAL
fsr-3238	13	1	348-9167	CARDINAL
fsr-3238	13	2	1205	CARDINAL
fsr-3238	14	1	k.t. kim	GPE
fsr-3238	14	2	24	CARDINAL
fsr-3238	14	3	2015	CARDINAL
fsr-3238	14	4	139–155	CARDINAL
fsr-3238	14	5	2015	CARDINAL
fsr-3238	14	6	academy of financial services	ORG
fsr-3238	17	1	munnell	ORG
fsr-3238	17	2	2012	DATE
fsr-3238	17	3	2010	DATE
fsr-3238	18	1	mach	GPE
fsr-3238	18	2	moore	PERSON
fsr-3238	18	3	2011	DATE
fsr-3238	18	4	over 60%	PERCENT
fsr-3238	18	5	u.s.	GPE
fsr-3238	18	6	two-year	DATE
fsr-3238	18	7	2007–2009	CARDINAL
fsr-3238	19	1	2014	DATE
fsr-3238	19	2	2014	DATE
fsr-3238	19	3	2033	CARDINAL
fsr-3238	19	4	only 77%	PERCENT
fsr-3238	20	1	laibson	GPE
fsr-3238	20	2	2004	DATE
fsr-3238	25	1	chen	PERSON
fsr-3238	25	2	2007	DATE
fsr-3238	25	3	kim	PERSON
fsr-3238	25	4	hanna	PERSON
fsr-3238	25	5	chen	PERSON
fsr-3238	25	6	2014	DATE
fsr-3238	26	1	2010	DATE
fsr-3238	28	1	four	CARDINAL
fsr-3238	28	2	1	CARDINAL
fsr-3238	30	1	35 to 60	DATE
fsr-3238	30	2	2010	DATE
fsr-3238	30	3	1	CARDINAL
fsr-3238	30	4	u.s households	GPE
fsr-3238	30	5	age 35 to 60	DATE
fsr-3238	30	6	2010	DATE
fsr-3238	30	7	19.6%	PERCENT
fsr-3238	30	8	26.1%	PERCENT
fsr-3238	30	9	45.7%	PERCENT
fsr-3238	30	10	22.3%	PERCENT
fsr-3238	30	11	32.0%	PERCENT
fsr-3238	30	12	54.3%	PERCENT
fsr-3238	30	13	41.9%	PERCENT
fsr-3238	30	14	58.1%	PERCENT
fsr-3238	30	15	100%	PERCENT
fsr-3238	31	1	1	CARDINAL
fsr-3238	31	2	2	CARDINAL
fsr-3238	32	1	3	CARDINAL
fsr-3238	32	2	4	DATE
fsr-3238	32	3	5	CARDINAL
fsr-3238	34	1	140	CARDINAL
fsr-3238	34	2	kim	PERSON
fsr-3238	34	3	s.d	PERSON
fsr-3238	34	4	24	CARDINAL
fsr-3238	34	5	2015	CARDINAL
fsr-3238	34	6	139–155	CARDINAL
fsr-3238	35	1	2	CARDINAL
fsr-3238	35	2	2.1	CARDINAL
fsr-3238	36	1	modigliani	ORG
fsr-3238	36	2	brumberg	PERSON
fsr-3238	36	3	1954	DATE
fsr-3238	37	1	lcs	ORG
fsr-3238	37	2	ando	NORP
fsr-3238	37	3	modigliani	ORG
fsr-3238	37	4	1963	DATE
fsr-3238	39	1	2001	DATE
fsr-3238	41	1	2010	DATE
fsr-3238	42	1	shefrin	NORP
fsr-3238	42	2	thaler	ORG
fsr-3238	42	3	1988	DATE
fsr-3238	42	4	carroll, 1997	ORG
fsr-3238	42	5	laibson	GPE
fsr-3238	42	6	weinberg	GPE
fsr-3238	42	7	2001	DATE
fsr-3238	42	8	laibson, 1997	ORG
fsr-3238	44	1	2.2	CARDINAL
fsr-3238	45	1	frederick	PERSON
fsr-3238	45	2	2005	DATE
fsr-3238	45	3	falk	ORG
fsr-3238	45	4	huffman	PERSON
fsr-3238	45	5	2010	DATE
fsr-3238	45	6	two	CARDINAL
fsr-3238	46	1	frederick	PERSON
fsr-3238	46	2	2005	DATE
fsr-3238	46	3	3,428	CARDINAL
fsr-3238	46	4	crt group	ORG
fsr-3238	47	1	2010	DATE
fsr-3238	48	1	german	NORP
fsr-3238	49	1	jappelli	GPE
fsr-3238	49	2	2010	DATE
fsr-3238	49	3	141k.t	CARDINAL
fsr-3238	50	1	kim	PERSON
fsr-3238	50	2	s.d	PERSON
fsr-3238	50	3	24	CARDINAL
fsr-3238	50	4	2015	CARDINAL
fsr-3238	50	5	139–155 2011	DATE
fsr-3238	50	6	mcardle	PERSON
fsr-3238	50	7	willis	PERSON
fsr-3238	50	8	2011	DATE
fsr-3238	50	9	2013	DATE
fsr-3238	51	1	2.3	CARDINAL
fsr-3238	53	1	gustman	PERSON
fsr-3238	53	2	2007	DATE
fsr-3238	53	3	more than a third	CARDINAL
fsr-3238	54	1	chan	PERSON
fsr-3238	54	2	stevens	PERSON
fsr-3238	54	3	2008	DATE
fsr-3238	54	4	annual	DATE
fsr-3238	55	1	lusardi	PERSON
fsr-3238	55	2	mitchell	PERSON
fsr-3238	55	3	2011	DATE
fsr-3238	55	4	fornero	PERSON
fsr-3238	55	5	2011	DATE
fsr-3238	56	1	cummings	PERSON
fsr-3238	56	2	james	PERSON
fsr-3238	56	3	2011	DATE
fsr-3238	58	1	glamser	PERSON
fsr-3238	58	2	1976	DATE
fsr-3238	58	3	kilty	ORG
fsr-3238	58	4	1985	DATE
fsr-3238	59	1	joo	ORG
fsr-3238	59	2	grable	PERSON
fsr-3238	59	3	2001	DATE
fsr-3238	61	1	malroutu	PERSON
fsr-3238	61	2	xiao	PERSON
fsr-3238	61	3	1995	DATE
fsr-3238	61	4	age 65	DATE
fsr-3238	61	5	1989	DATE
fsr-3238	62	1	about 39%	PERCENT
fsr-3238	64	1	munnell	ORG
fsr-3238	64	2	golub	PERSON
fsr-3238	64	3	soto	ORG
fsr-3238	64	4	webb	ORG
fsr-3238	64	5	2008	DATE
fsr-3238	66	1	2004	DATE
fsr-3238	66	2	about 60%	PERCENT
fsr-3238	67	1	munnell et al	ORG
fsr-3238	68	1	2008	DATE
fsr-3238	69	1	one	CARDINAL
fsr-3238	70	1	142	CARDINAL
fsr-3238	71	1	kim	PERSON
fsr-3238	71	2	s.d	PERSON
fsr-3238	71	3	24	CARDINAL
fsr-3238	71	4	2015	CARDINAL
fsr-3238	72	1	139–155	CARDINAL
fsr-3238	73	1	2.4	CARDINAL
fsr-3238	73	2	chen	PERSON
fsr-3238	73	3	2008	DATE
fsr-3238	73	4	31% to 80%	PERCENT
fsr-3238	75	1	yuh, hanna	ORG
fsr-3238	75	2	1998	DATE
fsr-3238	75	3	about 52%	PERCENT
fsr-3238	75	4	1995	DATE
fsr-3238	75	5	only 42%	PERCENT
fsr-3238	76	1	yuh	PERSON
fsr-3238	76	2	2011	DATE
fsr-3238	76	3	56%	PERCENT
fsr-3238	76	4	2004	DATE
fsr-3238	76	5	70%	PERCENT
fsr-3238	77	1	kim	PERSON
fsr-3238	77	2	hanna	PERSON
fsr-3238	77	3	2013	DATE
fsr-3238	77	4	about 42%	PERCENT
fsr-3238	77	5	2010	DATE
fsr-3238	78	1	3	CARDINAL
fsr-3238	78	2	3.1	CARDINAL
fsr-3238	79	1	2010	DATE
fsr-3238	79	2	the federal reserve board	ORG
fsr-3238	80	1	u.s.	GPE
fsr-3238	80	2	moore	PERSON
fsr-3238	80	3	sabelhaus	ORG
fsr-3238	80	4	2012	DATE
fsr-3238	81	1	age 35 to 60	DATE
fsr-3238	82	1	yuh et al	PERSON
fsr-3238	82	2	1998	DATE
fsr-3238	82	3	montalto	PERSON
fsr-3238	82	4	2000	DATE
fsr-3238	82	5	chen	PERSON
fsr-3238	82	6	2007	DATE
fsr-3238	82	7	age 35 to 70	DATE
fsr-3238	82	8	between 60 and 70	CARDINAL
fsr-3238	83	1	scholz	ORG
fsr-3238	83	2	khitatrakun	GPE
fsr-3238	83	3	2006	DATE
fsr-3238	83	4	2012	DATE
fsr-3238	84	1	70	DATE
fsr-3238	85	1	6,482	CARDINAL
fsr-3238	85	2	2010	DATE
fsr-3238	85	3	2,283	CARDINAL
fsr-3238	86	1	1,203	CARDINAL
fsr-3238	87	1	3.2	CARDINAL
fsr-3238	88	1	3.2.1	CARDINAL
fsr-3238	89	1	143k.t	CARDINAL
fsr-3238	90	1	kim	PERSON
fsr-3238	90	2	s.d	PERSON
fsr-3238	90	3	24	CARDINAL
fsr-3238	90	4	2015	CARDINAL
fsr-3238	91	1	139–155	CARDINAL
fsr-3238	91	2	chen	PERSON
fsr-3238	91	3	2007	DATE
fsr-3238	91	4	kim et al	PERSON
fsr-3238	91	5	2014	DATE
fsr-3238	92	1	1992	DATE
fsr-3238	92	2	1994	DATE
fsr-3238	94	1	2010	DATE
fsr-3238	94	2	the bureau of labor statistics (u. s. department of labor	ORG
fsr-3238	94	3	2012	DATE
fsr-3238	95	1	bls	ORG
fsr-3238	96	1	45,000	MONEY
fsr-3238	96	2	91%	PERCENT
fsr-3238	96	3	100,000	MONEY
fsr-3238	96	4	69%	PERCENT
fsr-3238	97	1	scholz et al	ORG
fsr-3238	98	1	2006	DATE
fsr-3238	99	1	annual	DATE
fsr-3238	99	2	yuh et al.	PERSON
fsr-3238	99	3	1998	DATE
fsr-3238	101	1	3.2.2	CARDINAL
fsr-3238	101	2	five	CARDINAL
fsr-3238	101	3	2	CARDINAL
fsr-3238	103	1	1	CARDINAL
fsr-3238	103	2	3	CARDINAL
fsr-3238	103	3	4	DATE
fsr-3238	103	4	5	CARDINAL
fsr-3238	104	1	3.2.3	CARDINAL
fsr-3238	104	2	age 35 to 60	DATE
fsr-3238	105	1	four	CARDINAL
fsr-3238	108	1	144	CARDINAL
fsr-3238	109	1	kim	PERSON
fsr-3238	109	2	s.d	PERSON
fsr-3238	109	3	24	CARDINAL
fsr-3238	109	4	2015	CARDINAL
fsr-3238	109	5	139–155	CARDINAL
fsr-3238	109	6	1	CARDINAL
fsr-3238	109	7	u.s.	GPE
fsr-3238	109	8	four	CARDINAL
fsr-3238	110	1	only 42%	PERCENT
fsr-3238	110	2	46%	PERCENT
fsr-3238	111	1	al.	GPE
fsr-3238	111	2	2001	DATE
fsr-3238	111	3	laibson, 1997	ORG
fsr-3238	111	4	campbell	ORG
fsr-3238	111	5	2006	DATE
fsr-3238	114	1	only 52%	PERCENT
fsr-3238	115	1	about 20%	PERCENT
fsr-3238	116	1	22%	PERCENT
fsr-3238	116	2	26%	PERCENT
fsr-3238	117	1	about 32%	PERCENT
fsr-3238	117	2	two	CARDINAL
fsr-3238	118	1	3.3	CARDINAL
fsr-3238	120	1	shum	PERSON
fsr-3238	120	2	2009	DATE
fsr-3238	120	3	2009	DATE
fsr-3238	121	1	lusardi	PERSON
fsr-3238	121	2	mitchell	PERSON
fsr-3238	121	3	2007	DATE
fsr-3238	122	1	five	CARDINAL
fsr-3238	123	1	years	DATE
fsr-3238	124	1	huston	PERSON
fsr-3238	124	2	2012	DATE
fsr-3238	125	1	kim	PERSON
fsr-3238	125	2	hanna	PERSON
fsr-3238	125	3	2013	DATE
fsr-3238	126	1	four	CARDINAL
fsr-3238	126	2	scf	PERSON
fsr-3238	129	1	collins	PERSON
fsr-3238	129	2	2012	DATE
fsr-3238	129	3	2011	DATE
fsr-3238	130	1	cordell	ORG
fsr-3238	130	2	smith	PERSON
fsr-3238	130	3	terry, 2011	ORG
fsr-3238	134	1	kim	PERSON
fsr-3238	134	2	s.d	PERSON
fsr-3238	134	3	24	CARDINAL
fsr-3238	134	4	2015	CARDINAL
fsr-3238	135	1	139–155	CARDINAL
fsr-3238	136	1	one ages	DATE
fsr-3238	137	1	mcardle et al.	PERSON
fsr-3238	137	2	2011	DATE
fsr-3238	137	3	213	CARDINAL
fsr-3238	138	1	driscoll, gabaix	ORG
fsr-3238	138	2	laibson	GPE
fsr-3238	138	3	2009	DATE
fsr-3238	138	4	age 53	DATE
fsr-3238	139	1	three	CARDINAL
fsr-3238	139	2	35–44	CARDINAL
fsr-3238	139	3	45–54	DATE
fsr-3238	139	4	55–60	CARDINAL
fsr-3238	141	1	four	CARDINAL
fsr-3238	141	2	hispanic	NORP
fsr-3238	141	3	asian	NORP
fsr-3238	141	4	2008	DATE
fsr-3238	141	5	hanna	GPE
fsr-3238	141	6	2005	DATE
fsr-3238	142	1	three	CARDINAL
fsr-3238	144	1	four	CARDINAL
fsr-3238	149	1	four	CARDINAL
fsr-3238	149	2	62	DATE
fsr-3238	149	3	between 62 and 65	DATE
fsr-3238	151	1	three	CARDINAL
fsr-3238	153	1	four	CARDINAL
fsr-3238	154	1	3.4	CARDINAL
fsr-3238	155	1	only one	CARDINAL
fsr-3238	155	2	2007	DATE
fsr-3238	157	1	2007	DATE
fsr-3238	158	1	3.5	CARDINAL
fsr-3238	159	1	1	CARDINAL
fsr-3238	160	1	146	CARDINAL
fsr-3238	160	2	kim	PERSON
fsr-3238	160	3	s.d	PERSON
fsr-3238	160	4	24	CARDINAL
fsr-3238	160	5	2015	CARDINAL
fsr-3238	160	6	139–155	CARDINAL
fsr-3238	163	1	2	CARDINAL
fsr-3238	165	1	4	CARDINAL
fsr-3238	165	2	4.1	CARDINAL
fsr-3238	166	1	2	CARDINAL
fsr-3238	166	2	two	CARDINAL
fsr-3238	167	1	43%	PERCENT
fsr-3238	167	2	48%	PERCENT
fsr-3238	168	1	49%	PERCENT
fsr-3238	168	2	44%	PERCENT
fsr-3238	169	1	52%	PERCENT
fsr-3238	169	2	44%	PERCENT
fsr-3238	170	1	41%	PERCENT
fsr-3238	170	2	age 35 to 44	DATE
fsr-3238	170	3	50%	PERCENT
fsr-3238	170	4	age 55 to 60	DATE
fsr-3238	172	1	hispanics	NORP
fsr-3238	172	2	asian	NORP
fsr-3238	172	3	three	CARDINAL
fsr-3238	173	1	48%	PERCENT
fsr-3238	173	2	43%	PERCENT
fsr-3238	174	1	58%	PERCENT
fsr-3238	174	2	43%	PERCENT
fsr-3238	175	1	55%	PERCENT
fsr-3238	175	2	38%	PERCENT
fsr-3238	177	1	55%	PERCENT
fsr-3238	177	2	62 to 42%	PERCENT
fsr-3238	177	3	65	DATE
fsr-3238	177	4	only 26%	PERCENT
fsr-3238	180	1	40%	PERCENT
fsr-3238	180	2	52%	PERCENT
fsr-3238	181	1	147k.t	CARDINAL
fsr-3238	182	1	kim	PERSON
fsr-3238	182	2	s.d	PERSON
fsr-3238	182	3	24	CARDINAL
fsr-3238	182	4	2015	CARDINAL
fsr-3238	182	5	139–155	CARDINAL
fsr-3238	182	6	2	CARDINAL
fsr-3238	182	7	age 35 to 60	DATE
fsr-3238	182	8	2010	DATE
fsr-3238	182	9	11.1 47.6	CARDINAL
fsr-3238	182	10	31.8	CARDINAL
fsr-3238	182	11	18.3	CARDINAL
fsr-3238	182	12	0.9945	MONEY
fsr-3238	182	13	27.9 43.1	CARDINAL
fsr-3238	182	14	10.9	CARDINAL
fsr-3238	182	15	24.6	CARDINAL
fsr-3238	182	16	75.4 43.7	CARDINAL
fsr-3238	182	17	89.6 44.1 0.0006	CARDINAL
fsr-3238	182	18	10.4 51.6	QUANTITY
fsr-3238	182	19	35–44	CARDINAL
fsr-3238	182	20	40.3 40.5	CARDINAL
fsr-3238	182	21	42.1 47.1	QUANTITY
fsr-3238	182	22	17.6 49.6	QUANTITY
fsr-3238	182	23	64.0 43.4	CARDINAL
fsr-3238	182	24	14.7 47.9 0.0207	MONEY
fsr-3238	182	25	16.2	CARDINAL
fsr-3238	182	26	asian	NORP
fsr-3238	182	27	5.0 50.5 0.0179	CARDINAL
fsr-3238	182	28	hispanic	NORP
fsr-3238	182	29	asian	NORP
fsr-3238	182	30	36.0 47.5 0.0029	CARDINAL
fsr-3238	182	31	12.5 58.2	QUANTITY
fsr-3238	182	32	87.5 43.0	CARDINAL
fsr-3238	182	33	43.2	CARDINAL
fsr-3238	182	34	56.8 37.5	CARDINAL
fsr-3238	182	35	58.8 47.6	CARDINAL
fsr-3238	182	36	13.5	CARDINAL
fsr-3238	182	37	21.9	CARDINAL
fsr-3238	182	38	5.8	CARDINAL
fsr-3238	182	39	36.9 0.0002	CARDINAL
fsr-3238	182	40	91.4 46.5	CARDINAL
fsr-3238	182	41	8.6 27.6	CARDINAL
fsr-3238	182	42	62 25.2 55.3	QUANTITY
fsr-3238	182	43	62	CARDINAL
fsr-3238	182	44	age � 65	DATE
fsr-3238	182	45	19.4 26.0	QUANTITY
fsr-3238	182	46	50.2 50.2	QUANTITY
fsr-3238	182	47	33.1 42.4	QUANTITY
fsr-3238	182	48	16.7 34.1	CARDINAL
fsr-3238	182	49	52.4 48.4	CARDINAL
fsr-3238	182	50	47.6 41.0	CARDINAL
fsr-3238	183	1	148	CARDINAL
fsr-3238	183	2	kim	PERSON
fsr-3238	183	3	s.d	PERSON
fsr-3238	183	4	24	CARDINAL
fsr-3238	183	5	2015	CARDINAL
fsr-3238	184	1	139–155	CARDINAL
fsr-3238	185	1	4.2	CARDINAL
fsr-3238	186	1	3	CARDINAL
fsr-3238	192	1	three	CARDINAL
fsr-3238	194	1	age 65	DATE
fsr-3238	197	1	5	CARDINAL
fsr-3238	198	1	four	CARDINAL
fsr-3238	198	2	2	CARDINAL
fsr-3238	198	3	43.5 40.2	CARDINAL
fsr-3238	198	4	38.3 47.2	QUANTITY
fsr-3238	198	5	15.5	CARDINAL
fsr-3238	198	6	2.7 52.0 0.0033	QUANTITY
fsr-3238	198	7	18.2 51.1	QUANTITY
fsr-3238	198	8	35 or older	DATE
fsr-3238	198	9	no more than 60	CARDINAL
fsr-3238	201	1	kim	PERSON
fsr-3238	201	2	s.d	PERSON
fsr-3238	201	3	24	CARDINAL
fsr-3238	201	4	2015	CARDINAL
fsr-3238	202	1	139–155	CARDINAL
fsr-3238	203	1	only 42%	PERCENT
fsr-3238	203	2	46%	PERCENT
fsr-3238	204	1	about 52%	PERCENT
fsr-3238	206	1	2	CARDINAL
fsr-3238	207	1	3	CARDINAL
fsr-3238	207	2	age 35 to 60	DATE
fsr-3238	207	3	2010	DATE
fsr-3238	207	4	two	CARDINAL
fsr-3238	207	5	0.0681 0.0094	MONEY
fsr-3238	208	1	1.101	MONEY
fsr-3238	208	2	hispanic	NORP
fsr-3238	208	3	asian	NORP
fsr-3238	209	1	1.645	MONEY
fsr-3238	209	2	0.1838 0.3755	MONEY
fsr-3238	209	3	0.832	MONEY
fsr-3238	209	4	0.5618 0.0102	MONEY
fsr-3238	210	1	0.0164 0.8244	MONEY
fsr-3238	210	2	under 62	DATE
fsr-3238	210	3	62	CARDINAL
fsr-3238	210	4	0.813	MONEY
fsr-3238	210	5	0.4015 0.0461 0.2014	MONEY
fsr-3238	210	6	1.494	MONEY
fsr-3238	210	7	0.6515 0.0006 0.1910	MONEY
fsr-3238	211	1	0.046	CARDINAL
fsr-3238	211	2	1.047	MONEY
fsr-3238	211	3	0.252	CARDINAL
fsr-3238	211	4	0.4357 0.0243	MONEY
fsr-3238	211	5	1.546	MONEY
fsr-3238	211	6	67.6%	PERCENT
fsr-3238	211	7	2010	DATE
fsr-3238	211	8	1,203	CARDINAL
fsr-3238	211	9	age 35–60	DATE
fsr-3238	212	1	150	CARDINAL
fsr-3238	213	1	kim	PERSON
fsr-3238	213	2	s.d	PERSON
fsr-3238	213	3	24	CARDINAL
fsr-3238	213	4	2015	CARDINAL
fsr-3238	213	5	139–155	CARDINAL
fsr-3238	216	1	agarwal et al	PERSON
fsr-3238	217	1	2009	DATE
fsr-3238	217	2	age 53	DATE
fsr-3238	219	1	1957	DATE
fsr-3238	220	1	morton	PERSON
fsr-3238	220	2	1993	DATE
fsr-3238	220	3	1	CARDINAL
fsr-3238	220	4	2	CARDINAL
fsr-3238	221	1	simon	PERSON
fsr-3238	221	2	2000	DATE
fsr-3238	224	1	korniotis	PERSON
fsr-3238	224	2	kumar	PERSON
fsr-3238	224	3	2011	DATE
fsr-3238	227	1	hispanic	NORP
fsr-3238	227	2	asian	NORP
fsr-3238	228	1	2008	DATE
fsr-3238	229	1	hispanics	NORP
fsr-3238	229	2	mitchell, 2011	ORG
fsr-3238	230	1	2012	DATE
fsr-3238	230	2	2004	DATE
fsr-3238	230	3	hispanics	NORP
fsr-3238	234	1	one	CARDINAL
fsr-3238	237	1	kim	PERSON
fsr-3238	237	2	s.d	PERSON
fsr-3238	237	3	24	CARDINAL
fsr-3238	237	4	2015	CARDINAL
fsr-3238	237	5	139–155	CARDINAL
fsr-3238	238	1	65	DATE
fsr-3238	241	1	pirinsky	PERSON
fsr-3238	241	2	2013	DATE
fsr-3238	243	1	2	CARDINAL
fsr-3238	243	2	3	CARDINAL
fsr-3238	244	1	years	DATE
fsr-3238	247	1	2	CARDINAL
fsr-3238	251	1	2010	DATE
fsr-3238	254	1	2	CARDINAL
fsr-3238	256	1	two	CARDINAL
fsr-3238	257	1	2010	DATE
fsr-3238	259	1	two	CARDINAL
fsr-3238	261	1	152	CARDINAL
fsr-3238	262	1	kim	PERSON
fsr-3238	262	2	s.d	PERSON
fsr-3238	262	3	24	CARDINAL
fsr-3238	262	4	2015	CARDINAL
fsr-3238	263	1	139–155	CARDINAL
fsr-3238	264	1	s.	PERSON
fsr-3238	264	2	driscoll	PERSON
fsr-3238	264	3	j., gabaix	PERSON
fsr-3238	264	4	x.	GPE
fsr-3238	265	1	2009	DATE
fsr-3238	267	1	brookings	PERSON
fsr-3238	267	2	2	CARDINAL
fsr-3238	267	3	51–117	CARDINAL
fsr-3238	267	4	agarwal	ORG
fsr-3238	267	5	s., & mazumder	ORG
fsr-3238	267	6	b.	PERSON
fsr-3238	267	7	2013	DATE
fsr-3238	268	1	american economic journal:	ORG
fsr-3238	268	2	5	CARDINAL
fsr-3238	268	3	193–207	CARDINAL
fsr-3238	268	4	ando, a., & modigliani	ORG
fsr-3238	268	5	f.	PERSON
fsr-3238	268	6	1963	DATE
fsr-3238	269	1	american	NORP
fsr-3238	269	2	53	DATE
fsr-3238	270	1	angeletos	GPE
fsr-3238	270	2	laibson	GPE
fsr-3238	270	3	d.	NORP
fsr-3238	270	4	repetto, a.	ORG
fsr-3238	270	5	j., & weinberg	ORG
fsr-3238	270	6	2001	DATE
fsr-3238	271	1	15	CARDINAL
fsr-3238	271	2	47–68	CARDINAL
fsr-3238	271	3	bricker	PERSON
fsr-3238	271	4	j., kennickell	PERSON
fsr-3238	271	5	a. b.	PERSON
fsr-3238	271	6	moore	PERSON
fsr-3238	271	7	k. b.	PERSON
fsr-3238	271	8	j. (	PERSON
fsr-3238	271	9	2012	DATE
fsr-3238	272	1	u.s.	GPE
fsr-3238	272	2	2007	DATE
fsr-3238	272	3	2010	DATE
fsr-3238	273	1	federal reserve bulletin	ORG
fsr-3238	273	2	98	CARDINAL
fsr-3238	273	3	bricker	PERSON
fsr-3238	273	4	j.	GPE
fsr-3238	273	5	a.	PERSON
fsr-3238	273	6	mach	GPE
fsr-3238	273	7	t., & moore	ORG
fsr-3238	273	8	k. (	PERSON
fsr-3238	273	9	2011	DATE
fsr-3238	274	1	2007	DATE
fsr-3238	274	2	2009	DATE
fsr-3238	275	1	17	CARDINAL
fsr-3238	275	2	2012	DATE
fsr-3238	277	1	social science research network	ORG
fsr-3238	278	1	m., & crossley	ORG
fsr-3238	278	2	t. f. (	PERSON
fsr-3238	278	3	2001	DATE
fsr-3238	280	1	15	CARDINAL
fsr-3238	280	2	3–22	CARDINAL
fsr-3238	281	1	campbell	ORG
fsr-3238	281	2	j. y.(2006	PERSON
fsr-3238	283	1	journal of finance	ORG
fsr-3238	283	2	61	CARDINAL
fsr-3238	283	3	1553–1604	DATE
fsr-3238	284	1	carroll	ORG
fsr-3238	284	2	c. d.	PERSON
fsr-3238	284	3	1997	DATE
fsr-3238	286	1	quarterly	DATE
fsr-3238	286	2	112	CARDINAL
fsr-3238	286	3	1–55	DATE
fsr-3238	287	1	chan	ORG
fsr-3238	287	2	s., & stevens, a. (	ORG
fsr-3238	287	3	2008	DATE
fsr-3238	289	1	90	CARDINAL
fsr-3238	289	2	253–266	CARDINAL
fsr-3238	290	1	chen	PERSON
fsr-3238	290	2	c. c.	PERSON
fsr-3238	290	3	2007	DATE
fsr-3238	291	1	1995–2004	CARDINAL
fsr-3238	292	1	the ohio state university	ORG
fsr-3238	293	1	j., laibson	ORG
fsr-3238	293	2	d., & madrian	ORG
fsr-3238	293	3	2004	DATE
fsr-3238	295	1	national tax journal	ORG
fsr-3238	295	2	57	CARDINAL
fsr-3238	295	3	275–298	CARDINAL
fsr-3238	296	1	christelis	ORG
fsr-3238	296	2	d.	NORP
fsr-3238	296	3	jappelli	GPE
fsr-3238	296	4	t., & padula	ORG
fsr-3238	296	5	2010	DATE
fsr-3238	298	1	european	NORP
fsr-3238	298	2	54	DATE
fsr-3238	298	3	collins	PERSON
fsr-3238	298	4	j. m.	PERSON
fsr-3238	298	5	2012	DATE
fsr-3238	300	1	21	CARDINAL
fsr-3238	300	2	307–322	CARDINAL
fsr-3238	301	1	cordell	PERSON
fsr-3238	301	2	d. m.	PERSON
fsr-3238	301	3	smith	GPE
fsr-3238	301	4	r., & terry	ORG
fsr-3238	301	5	a.(2011	DATE
fsr-3238	303	1	20	CARDINAL
fsr-3238	303	2	253–263	CARDINAL
fsr-3238	304	1	b. f.	PERSON
fsr-3238	304	2	finke	PERSON
fsr-3238	304	3	m. s.	PERSON
fsr-3238	304	4	r. n.	PERSON
fsr-3238	304	5	2011	DATE
fsr-3238	306	1	social science research network	ORG
fsr-3238	306	2	1968984	DATE
fsr-3238	307	1	a.	PERSON
fsr-3238	307	2	huffman	PERSON
fsr-3238	307	3	d., & sunde	ORG
fsr-3238	307	4	2010	DATE
fsr-3238	308	1	american	NORP
fsr-3238	308	2	100	CARDINAL
fsr-3238	308	3	1238–1260	CARDINAL
fsr-3238	309	1	1957	DATE
fsr-3238	311	1	stanford	ORG
fsr-3238	311	2	stanford university press	ORG
fsr-3238	312	1	fornero	PERSON
fsr-3238	312	2	e., & monticone	ORG
fsr-3238	312	3	2011	DATE
fsr-3238	313	1	italy	GPE
fsr-3238	314	1	cerp	GPE
fsr-3238	314	2	turin	GPE
fsr-3238	314	3	italy	GPE
fsr-3238	315	1	frederick	GPE
fsr-3238	315	2	2005	DATE
fsr-3238	317	1	19	CARDINAL
fsr-3238	317	2	25–42	CARDINAL
fsr-3238	318	1	glamser	PERSON
fsr-3238	318	2	f.	PERSON
fsr-3238	318	3	1976	DATE
fsr-3238	320	1	31	DATE
fsr-3238	320	2	104–107	CARDINAL
fsr-3238	321	1	m.	PERSON
fsr-3238	321	2	keloharju	PERSON
fsr-3238	321	3	m., & linnainmaa	ORG
fsr-3238	321	4	j. (2011	GPE
fsr-3238	323	1	66	CARDINAL
fsr-3238	323	2	2119–2164	CARDINAL
fsr-3238	325	1	kim	PERSON
fsr-3238	325	2	s.d	PERSON
fsr-3238	325	3	24	CARDINAL
fsr-3238	325	4	2015	CARDINAL
fsr-3238	325	5	139–155	CARDINAL
fsr-3238	325	6	a. l.	PERSON
fsr-3238	325	7	steinmeier	GPE
fsr-3238	325	8	t. l.	PERSON
fsr-3238	325	9	n.	PERSON
fsr-3238	325	10	2007	DATE
fsr-3238	327	1	nber	GPE
fsr-3238	327	2	13379	DATE
fsr-3238	328	1	hanna	ORG
fsr-3238	328	2	s. d.	PERSON
fsr-3238	328	3	2011	DATE
fsr-3238	330	1	journal of personal finance	ORG
fsr-3238	330	2	10	CARDINAL
fsr-3238	330	3	36–62	DATE
fsr-3238	331	1	hanna	ORG
fsr-3238	331	2	s. d.	PERSON
fsr-3238	331	3	& chen	PERSON
fsr-3238	331	4	c. c.	PERSON
fsr-3238	331	5	2008	DATE
fsr-3238	333	1	j. xiao	PERSON
fsr-3238	333	2	ed	PERSON
fsr-3238	334	1	new york	GPE
fsr-3238	334	2	ny	GPE
fsr-3238	335	1	hanna	ORG
fsr-3238	335	2	s. d., & lindamood	PERSON
fsr-3238	335	3	s.	PERSON
fsr-3238	335	4	2008	DATE
fsr-3238	337	1	19	CARDINAL
fsr-3238	337	2	46–58	CARDINAL
fsr-3238	338	1	huston	PERSON
fsr-3238	338	2	s. j.	PERSON
fsr-3238	338	3	m. s.	PERSON
fsr-3238	338	4	2012	DATE
fsr-3238	340	1	19	CARDINAL
fsr-3238	340	2	1275–1278	DATE
fsr-3238	341	1	joo	ORG
fsr-3238	341	2	s., & grable	ORG
fsr-3238	341	3	j. e. (	PERSON
fsr-3238	341	4	2001	DATE
fsr-3238	343	1	30	CARDINAL
fsr-3238	343	2	37–63	DATE
fsr-3238	344	1	kilty, k., & behling	ORG
fsr-3238	344	2	j.	PERSON
fsr-3238	344	3	1985	DATE
fsr-3238	346	1	40	DATE
fsr-3238	346	2	219–227	CARDINAL
fsr-3238	347	1	kim	PERSON
fsr-3238	347	2	k. t.	PERSON
fsr-3238	347	3	& hanna	ORG
fsr-3238	347	4	s. d.	PERSON
fsr-3238	347	5	2013	DATE
fsr-3238	349	1	2010	DATE
fsr-3238	349	2	annual	DATE
fsr-3238	349	3	59	DATE
fsr-3238	350	1	kim	PERSON
fsr-3238	350	2	k. t.	PERSON
fsr-3238	350	3	hanna	ORG
fsr-3238	350	4	s. d.	PERSON
fsr-3238	350	5	& chen	PERSON
fsr-3238	350	6	s. c.	PERSON
fsr-3238	350	7	2014	DATE
fsr-3238	352	1	13	CARDINAL
fsr-3238	352	2	52–64	CARDINAL
fsr-3238	353	1	m.	PERSON
fsr-3238	353	2	2010	DATE
fsr-3238	354	1	americans	NORP
fsr-3238	355	1	70	DATE
fsr-3238	355	2	1–23	CARDINAL
fsr-3238	356	1	korniotis	GPE
fsr-3238	356	2	g., & kumar, a. (2011	ORG
fsr-3238	358	1	93	CARDINAL
fsr-3238	358	2	244–265	CARDINAL
fsr-3238	359	1	2009	DATE
fsr-3238	362	1	18	CARDINAL
fsr-3238	362	2	1–21	CARDINAL
fsr-3238	363	1	laibson	GPE
fsr-3238	363	2	1997	DATE
fsr-3238	365	1	quarterly	DATE
fsr-3238	365	2	62	DATE
fsr-3238	365	3	443–478	DATE
fsr-3238	366	1	s.	GPE
fsr-3238	366	2	hanna	GPE
fsr-3238	366	3	s. d., & bi	PERSON
fsr-3238	366	4	2007	DATE
fsr-3238	368	1	41	CARDINAL
fsr-3238	368	2	195–222	DATE
fsr-3238	369	1	a. c.	PERSON
fsr-3238	369	2	m. s.	PERSON
fsr-3238	369	3	j. r.	PERSON
fsr-3238	369	4	2012	DATE
fsr-3238	370	1	2004	DATE
fsr-3238	371	1	39	DATE
fsr-3238	371	2	403–425	CARDINAL
fsr-3238	372	1	lusardi, a., & mitchell	ORG
fsr-3238	372	2	o. s.	PERSON
fsr-3238	372	3	2007	DATE
fsr-3238	374	1	journal of monetary economics	ORG
fsr-3238	374	2	54	DATE
fsr-3238	374	3	205–224	CARDINAL
fsr-3238	375	1	lusardi	PERSON
fsr-3238	375	2	a., & mitchell	ORG
fsr-3238	375	3	o. s.	PERSON
fsr-3238	375	4	2011	DATE
fsr-3238	377	1	nber working paper	ORG
fsr-3238	377	2	17078	DATE
fsr-3238	378	1	malroutu	PERSON
fsr-3238	378	2	& xiao	PERSON
fsr-3238	378	3	j. (	PERSON
fsr-3238	378	4	1995	DATE
fsr-3238	380	1	6	CARDINAL
fsr-3238	380	2	17–23	CARDINAL
fsr-3238	381	1	mcardle	PERSON
fsr-3238	381	2	j. j.	PERSON
fsr-3238	381	3	j. p.,	PERSON
fsr-3238	381	4	r.	PERSON
fsr-3238	381	5	2011	DATE
fsr-3238	383	1	d. a.	GPE
fsr-3238	384	1	209–233	CARDINAL
fsr-3238	385	1	chicago	GPE
fsr-3238	385	2	il: university of chicago	ORG
fsr-3238	386	1	modigliani, f. & brumberg	ORG
fsr-3238	386	2	r.	PERSON
fsr-3238	386	3	1954	DATE
fsr-3238	388	1	k. kurihara	PERSON
fsr-3238	388	2	ed	PERSON
fsr-3238	389	1	new brunswick	GPE
fsr-3238	389	2	nj	ORG
fsr-3238	389	3	rutgers university press	ORG
fsr-3238	389	4	montalto	PERSON
fsr-3238	389	5	c. p.	PERSON
fsr-3238	389	6	& hanna	ORG
fsr-3238	389	7	s. d. (	PERSON
fsr-3238	389	8	2000	DATE
fsr-3238	391	1	9	CARDINAL
fsr-3238	392	1	morton	PERSON
fsr-3238	392	2	1993	DATE
fsr-3238	394	1	new york	GPE
fsr-3238	394	2	ny	GPE
fsr-3238	394	3	munnell	ORG
fsr-3238	394	4	a. h.	PERSON
fsr-3238	394	5	2012	DATE
fsr-3238	395	1	2010	DATE
fsr-3238	396	1	boston college	ORG
fsr-3238	396	2	12–15	CARDINAL
fsr-3238	397	1	munnell	ORG
fsr-3238	397	2	a. h.	PERSON
fsr-3238	397	3	golub	PERSON
fsr-3238	397	4	f.	PERSON
fsr-3238	397	5	soto	GPE
fsr-3238	397	6	m., & webb	ORG
fsr-3238	397	7	a. (	PERSON
fsr-3238	397	8	2008	DATE
fsr-3238	399	1	boston college	ORG
fsr-3238	400	1	b. a.	PERSON
fsr-3238	400	2	1992	DATE
fsr-3238	401	1	1991	DATE
fsr-3238	402	1	quarterly, third quarter	DATE
fsr-3238	402	2	6–15	CARDINAL
fsr-3238	403	1	b. a.	PERSON
fsr-3238	403	2	1994	DATE
fsr-3238	405	1	quarterly, second quarter	DATE
fsr-3238	405	2	59–75	DATE
fsr-3238	405	3	154	CARDINAL
fsr-3238	406	1	kim	PERSON
fsr-3238	406	2	s.d	PERSON
fsr-3238	406	3	24	CARDINAL
fsr-3238	406	4	2015	CARDINAL
fsr-3238	406	5	139–155	CARDINAL
fsr-3238	406	6	pirinsky	PERSON
fsr-3238	406	7	2013	DATE
fsr-3238	408	1	91	CARDINAL
fsr-3238	408	2	139–158	CARDINAL
fsr-3238	409	1	ricciardi	PERSON
fsr-3238	409	2	& simon	ORG
fsr-3238	409	3	h. k.	PERSON
fsr-3238	409	4	2000	DATE
fsr-3238	411	1	education & technology journal	ORG
fsr-3238	411	2	2	CARDINAL
fsr-3238	411	3	j.	PERSON
fsr-3238	411	4	seshadri	GPE
fsr-3238	411	5	a., & khitatrakun	ORG
fsr-3238	411	6	s.	PERSON
fsr-3238	411	7	2006	DATE
fsr-3238	412	1	americans	NORP
fsr-3238	413	1	114	CARDINAL
fsr-3238	413	2	607–643	CARDINAL
fsr-3238	413	3	shefrin	GPE
fsr-3238	413	4	h. m.	PERSON
fsr-3238	413	5	r. h.	PERSON
fsr-3238	413	6	1988	DATE
fsr-3238	415	1	26	CARDINAL
fsr-3238	415	2	609–643	CARDINAL
fsr-3238	417	1	2014	DATE
fsr-3238	418	1	2014	DATE
fsr-3238	420	1	j. (2009	ORG
fsr-3238	422	1	the journal of finance	ORG
fsr-3238	422	2	64	DATE
fsr-3238	422	3	2807–2849	CARDINAL
fsr-3238	422	4	u. s. department of labor	ORG
fsr-3238	423	1	2012	DATE
fsr-3238	424	1	2010	DATE
fsr-3238	426	1	r.	PERSON
fsr-3238	426	2	m. s.	PERSON
fsr-3238	426	3	& hanna	ORG
fsr-3238	426	4	s. d.	PERSON
fsr-3238	426	5	2005	DATE
fsr-3238	427	1	hispanics	NORP
fsr-3238	428	1	16	CARDINAL
fsr-3238	429	1	2011	DATE
fsr-3238	431	1	geneva	GPE
fsr-3238	431	2	36	CARDINAL
fsr-3238	431	3	304–323	CARDINAL
fsr-3238	432	1	s. d., & montalto	PERSON
fsr-3238	432	2	c. p.	PERSON
fsr-3238	432	3	1998	DATE
fsr-3238	434	1	9	CARDINAL
fsr-3238	434	2	175–193	CARDINAL
fsr-3238	435	1	155k.t	CARDINAL
fsr-3238	436	1	kim	PERSON
fsr-3238	436	2	s.d	PERSON
fsr-3238	436	3	24	CARDINAL
fsr-3238	436	4	2015	CARDINAL
fsr-3238	436	5	139–155	CARDINAL