Topic: Personal Finance
Consumer Spending and Jobless Data: a Peculiar Threshold
A 12-month high in local unemployment triggers savings behavior
Education Pays Off Handsomely, but Borrowing for It Makes People Unhappy
Student debt weighs on happiness more than mortgages or credit card loans
Rising Rents Force Families to Curtail Spending on Food and Health Care
Cost burdens affect half of U.S. households that rent, as housing shortage worsens
Americans Sacrifice $3.4 Trillion by Claiming Social Security Too Soon
Can nudges, tailored to personality traits, persuade retirees to wait?
Good Information Alone Won’t Drive Financial Well-Being
A review of academic research finds the path to saving more and spending less often involves emotional prompts
Maximizing Retirement Savings: More Nudging Required
Tweaking 401(k) website design and language can significantly boost worker contributions, yet HR doesn’t always see these opportunities
How Will You Spend Your IPO Windfall?
“Uh, I already bought a house”: Tech workers spend ahead of actual stock sales
A ‘Safer’ Treasury Bond
The government’s floating rate notes feature an added measure of security: higher interest earnings in times of rising rates
Rethinking Buy-and-Hold Investing
The case for using rising market volatility as a signal to pare back on stocks — does higher risk always mean higher return?
Joint Bank Accounts Make for Happier Couples
Those who keep finances separate are likelier to split up, be less satisfied with their relationship
Helping People Make Wise Decisions for Retirement Income
Nudges, long aimed at saving behavior, are needed for people converting a nest egg into income
Culture Affects How People Save Money
Immigrants show saving tendencies that carry through several generations
New Appreciation for a Classic Stock Market Gauge
The relationship between short- and longer-term moving averages has strong predictive power for share price returns
Momentum Investing: It Works, But Why?
After a quarter century of sprawling study, it’s time to narrow the focus and settle on an explanation
Ignorance — About One’s Investments, Anyway — Isn’t Always Bliss
Valentin Haddad’s research looks at the phenomenon of “information aversion,” when individual investors stop tracking their portfolios for fear of bad news