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来源类型Working Paper
规范类型报告
DOI10.3386/w23664
来源IDWorking Paper 23664
Debt and Financial Vulnerability on the Verge of Retirement
Annamaria Lusardi; Olivia S. Mitchell; Noemi Oggero
发表日期2017-08-14
出版年2017
语种英语
摘要We analyze older individuals’ debt and financial vulnerability using data from the Health and Retirement Study (HRS) and the National Financial Capability Study (NFCS). Specifically, in the HRS we examine three different cohorts (individuals age 56–61) in 1992, 2004, and 2010 to evaluate cross-cohort changes in debt over time. We also use two waves of the NFCS (2012 and 2015) to gain additional insights into debt management and older individuals’ capacity to shield themselves against shocks. We show that recent cohorts have taken on more debt and face more financial insecurity, mostly due to having purchased more expensive homes with smaller down payments.
主题Microeconomics ; Households and Firms
URLhttps://www.nber.org/papers/w23664
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/581338
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Annamaria Lusardi,Olivia S. Mitchell,Noemi Oggero. Debt and Financial Vulnerability on the Verge of Retirement. 2017.
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