The authors thank the U.S. Army Office of Economic and Manpower Analysis for assistance and seminar and conference participants at the Global Financial Literacy Excellence Center Cherry Blossom Financial Education Institute, Boulder Summer Conference, TIAA Institute Symposium, FDIC Consumer Research Symposium, Association for Public Policy Analysis and Management, Australian Conference for Economists, the Federal Reserve Bank of Richmond, William & Mary, BYU, the University of Queensland, and the Queensland University of Technology for feedback.
