@techreport{NBERw10514,
 title = "Measuring Self-Control",
 author = "John Ameriks and Andrew Caplin and John Leahy and Tom Tyler",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "10514",
 year = "2004",
 month = "May",
 URL = "http://www.nber.org/papers/w10514",
 abstract = {How significant are individual differences in self-control? Do these differences impact wealth accumulation? From where do they derive? Our survey-based measure of self-control provides insights into all three questions:  1.There are individual differences in self-control not only of a quantitative but also of a qualitative nature. In our sample, standard self-control problems of over-consumption are no more prevalent than are problems of under-consumption.  2.Standard self-control problems do impede wealth accumulation, particularly in liquid form. Problems of under-consumption have the opposite effects. 3.Self-control is linked to  conscientiousness' much studied by psychologists. There is a related link with financial planning.},
}