NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Debt and Financial Vulnerability on the Verge of Retirement

Annamaria Lusardi, Olivia S. Mitchell, Noemi Oggero

NBER Working Paper No. 23664
Issued in August 2017

---- Acknowledgments ----

The authors thank Yong Yu for expert programming and research assistance. Additionally, they thank Melinda Morrill, participants at the 2016 Working Longer and Retirement conference at SIEPR/Stanford University, and at the CMV/OECD Seminar on Emerging Trends in Financial Education, Rio de Janeiro, Brazil, for suggestions and comments. We gratefully acknowledge financial support from the TIAA Institute and the Pension Research Council/Boettner Center at the Wharton School of the University of Pennsylvania. Opinions and conclusions expressed herein are solely those of the authors and do not represent the opinions or policy of the funders or any other institutions with which the authors are affiliated. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Olivia S. Mitchell ----

Mitchell serves as an Independent Trustee for the Wells Fargo Advantage Funds and has received more than $10,000 from the TIAA Institute for research on retirement security.

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