| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w16887 |
| 来源ID | Working Paper 16887 |
| When a Nudge Isn't Enough: Defaults and Saving Among Low-Income Tax Filers | |
| Erin Todd Bronchetti; Thomas S. Dee; David B. Huffman; Ellen Magenheim | |
| 发表日期 | 2011-03-17 |
| 出版年 | 2011 |
| 语种 | 英语 |
| 摘要 | Recent evidence suggests that the default options implicit in economic choices (e.g., 401(k) savings by white-collar workers) have extraordinarily large effects on decision-making. This study presents a field experiment that evaluates the effect of defaults on savings among a highly policy-relevant population: low-income tax filers. In the control condition, tax filers could choose (i.e., opt in) to receive some of their federal tax refund in the form of U.S. Savings Bonds. In the treatment condition, a fraction of the tax refund was automatically directed to U.S. Savings Bonds unless tax filers actively chose another allocation. We find that the opt-out default had no impact on savings behavior. Furthermore, our treatment estimate is sufficiently precise to reject effects as small as one-fifth of the participation effects found in the 401(k) literature. Ancillary evidence suggests that this "nudge" was ineffective in part because the low-income tax filers in our study had targeted plans to spend their refunds. These results suggest that choice architecture based on defaults may be less effective in certain policy-relevant settings, particularly where intentions are strong. |
| 主题 | Econometrics ; Experimental Design ; Microeconomics ; Behavioral Economics ; Households and Firms |
| URL | https://www.nber.org/papers/w16887 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/574562 |
| 推荐引用方式 GB/T 7714 | Erin Todd Bronchetti,Thomas S. Dee,David B. Huffman,et al. When a Nudge Isn't Enough: Defaults and Saving Among Low-Income Tax Filers. 2011. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w16887.pdf（2868KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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