1. The savings of ordinary Americans;Alter;J Econ History,1994
2. The “life cycle” hypothesis of saving;Ando;Am Econ Rev,1963
3. The Effects of Financial Education in the Workplace;Bayer,1996
4. Bernheim, B. D. (1994). Personal saving, information, and economic literacy. In Tax Policy for Economic Growth in the 1990s (pp. 53–78). Washington, DC: American Council for Capital Formation.
5. Bernheim, B. D. (1995). Do households appreciate their financial vulnerabilities? An analysis of actions, perceptions, and public policy. In Tax Policy and Economic Growth (pp. 1–30). Washington, DC: American Council for Capital Formation.