NBER Retirement Research Center Paper No. NB 12-04
Issued in September 2012
---- Acknowledgements ----
We thank David Laibson, Brigitte Madrian, Tore Olsen, James Poterba, Emmanuel Saez, Jonathan Skinner and numerous seminar participants for helpful comments and discussion. Sarah Abraham, Shelby Lin, Heather Sarsons, and Michael Stepner provided excellent research assistance. This research was supported by the U.S. Social Security Administration through grant #5 RRC08098400-04-00 to the National Bureau of Economic Research as part of the SSA Retirement Research Consortium. The findings and conclusions expressed are solely those of the author(s) and do not represent the views of SSA, any agency of the Federal Government, or the NBER.