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About the Researcher(s)/Author(s)

Brigitte C. Madrian is the Dean of, and Marriott Distinguished Professor at, Brigham Young University's Marriott School of Business. She holds a joint appointment in the Department of Finance and the George W. Romney Institute of Public Service and Ethics. An NBER research associate, she has served as a co-director of the Household Finance Working Group from 2010–18.

Stephen P. Zeldes is the Benjamin M. Rosen Professor of Economics and Finance at Columbia University's Graduate School of Business, an NBER research associate, and co-director of the Household Finance Working Group since 2013.

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