NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

NBER Working Papers by Daniel J. Schneider

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Working Papers

May 2011Financially Fragile Households: Evidence and Implications
with Annamaria Lusardi, Daniel J. Schneider, Peter Tufano: w17072
This paper examines households' financial fragility by looking at their capacity to come up with $2,000 in 30 days. Using data from the 2009 TNS Global Economic Crisis survey, we document widespread financial weakness in the United States: Approximately one quarter of Americans report that they would certainly not be able to come up with such funds, and an additional 19% would do so by relying at least in part on pawning or selling possessions or taking payday loans. If we consider the respondents who report being certain or probably not able to cope with an ordinary financial shock of this size, we find that nearly half of Americans are financially fragile. While financial fragility is more severe among those with low educational attainment and no financial education, families with childr...

Published: “Financially Fragile Households: Evidence an d Implications” joint with Daniel Schneider, and Peter Tu fano , Brookings Papers on Economic Activity , Spring 2011 , pp. 83 - 134.

March 2010The economic crisis and medical care usage
with Annamaria Lusardi, Daniel J. Schneider, Peter Tufano: w15843
We use a unique, nationally representative cross-national dataset to document the reduction in individuals' usage of routine non-emergency medical care in the midst of the economic crisis. A substantially larger fraction of Americans have reduced medical care than have individuals in Great Britain, Canada, France, and Germany, all countries with universal health care systems. At the national level, reductions in medical care are related to the degree to which individuals must pay for it, and within countries are strongly associated with exogenous shocks to wealth and employment

The Economic Crisis and Medical Care Use: Comparative Evidence from Five High-income Countries,” joint with Daniel Schneider and Peter Tufano, forthcoming Social Science Quarterly.

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