@techreport{NBERw12502,
 title = "The Tradeoff Between Mortgage Prepayments and Tax-Deferred Retirement Savings",
 author = "Gene Amromin and Jennifer Huang and Clemens Sialm",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "12502",
 year = "2006",
 month = "August",
 URL = "http://www.nber.org/papers/w12502",
}