, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates …Commitment devices offer an opportunity to restrict future choices. However, if severe restrictions deter participation …

We analyze how sexual orientation is related to household savings using 2000 US Census data, and find that gay and … their married counterparts. In a household savings model, we interpret this homosexual-specific differential as due to the … than married ones. Evidence from homeowners' ratio of mortgage payments to house value exhibits the same pattern of savings …

We develop and estimate a model of dynamic interactions in which commitment is limited and contracts are incomplete to …

While commitment devices such as defaults and direct deposits from wages have been found to be highly effective to … increase savings, they are unavailable to the millions of people worldwide who not have a formal wage bill. Self-help peer … groups are an alternative commitment device that is widespread and highly accessible, but there is little empirical evidence …

unemployment rates. But scant, if any, evidence exists on gender gaps in economic outcomes such as income, expenditure, savings … to reduce their current consumption and increase savings. Factors such as the different participation rates in work …