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来源类型Working Paper
规范类型报告
DOI10.3386/w6085
来源IDWorking Paper 6085
Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates
B. Douglas Bernheim; Daniel M. Garrett; Dean M. Maki
发表日期1997-07-01
出版年1997
语种英语
摘要Over the last forty years, the majority of states have adopted consumer education policies, and a sizable minority have specifically mandated that high school students receive instruction on topics related to household financial decision-making (budgeting so forth). In this paper, we attempt to determine whether the curricula arising from these mandates have had any discernable effect on adult decisions regarding saving. Using a unique household survey, we exploit the variation in requirements both across states and over time to identify the effects of interest. The evidence indicates that mandates have significantly raised both exposure to financial curricula and subsequent asset accumulation once exposed students reached adulthood. These effects appear to have been gradual rather than immediate -- a probable reflection of implementation lags.
主题Microeconomics ; Households and Firms ; Macroeconomics ; Consumption and Investment
URLhttps://www.nber.org/papers/w6085
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/563593
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B. Douglas Bernheim,Daniel M. Garrett,Dean M. Maki. Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates. 1997.
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