NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Americans' Financial Capability

Annamaria Lusardi

NBER Working Paper No. 17103
Issued in June 2011

---- Acknowledgements ----

This paper draws heavily from the work I did on preliminary releases of the Financial Capability Study together with Chris Bumcrot, John Gannon, Michelle Greene, Christine Kieffer, and Judy Lin. Geraldine Walsh edited the manuscript several times and I have very much benefitted from her suggestions and comments. I would like to thank Dubis Correal from the U.S. Treasury and participants to the International Conference on Financial Education in Rio de Janeiro, Brazil, December 2009, and the ASPE-NIA seminar on the Impact of Economic Crisis on Behaviors, Expectations and Well-Being Among Middle-Aged and Older Americans, Washington, DC, January 2010 for many helpful comments. Ben Rump provided excellent research assistance. The first version of this paper was prepared as a report for the Financial Crisis Inquiry Commission. All mistakes are my own. The views expressed herein are those of the author and do not necessarily reflect the views of the National Bureau of Economic Research.

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