NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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The Retirement-Consumption Puzzle: New Evidence from Personal Finances

Arna Olafsson, Michaela Pagel

NBER Working Paper No. 24405
Issued in March 2018

---- Acknowledgments ----

We are grateful for the financial financial support of the Pension Research Center (PeRCent) at Copenhagen Business School, and we thank Andrew Caplin, Rachel Kranton, Jawad Addoum, Jon Parker, Matthew Rabin, Botond Koszegi, David Laibson, Steve Zeldes, Emi Nakamura, Jon Zinman, Jennifer La'O, Emir Kamenica and seminar participants at the Federal Reserve Bank of Richmond, University of Queensland, PerCent 2017 Conference, University of Minnesota, Columbia University, and ECWFC at the WFA 2017 for a range of insightful comments. We are also indebted to August Schweitz Eriksson and Meniga for providing the Icelandic data and to Steffen Meyer for replicating our results in German bank data. We also thank Belinda Chen for outstanding research assistance. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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