{"id":"https://openalex.org/W1886334136","doi":"https://doi.org/10.2139/ssrn.2650476","title":"Employee Financial Literacy and Retirement Behavior: A Case Study","display_name":"Employee Financial Literacy and Retirement Behavior: A Case Study","publication_year":2015,"publication_date":"2015-01-01","ids":{"openalex":"https://openalex.org/W1886334136","doi":"https://doi.org/10.2139/ssrn.2650476","mag":"1886334136"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.2650476","doi":"https://doi.org/10.2139/ssrn.2650476","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2650476","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"volume":null,"type":"preprint","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.2650476","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5057150141","display_name":"Robert L. Clark","orcid":"https://orcid.org/0000-0003-2947-2987","observed_orcids":["https://orcid.org/0000-0003-2947-2987","https://orcid.org/0009-0002-7030-1741","https://orcid.org/0009-0005-1659-6114"]},"institutions":[{"id":"https://openalex.org/I137902535","display_name":"North Carolina State University","ror":"https://ror.org/04tj63d06","country_code":"US","type":"education","lineage":["https://openalex.org/I137902535"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Robert L. Clark","raw_affiliation_strings":["North Carolina State University - Poole College of Management, Hillsborough Street, Raleigh, NC 27695-8614, United States","North Carolina State University - Poole College of Management"],"raw_orcid":"https://orcid.org/0000-0003-2947-2987","affiliations":[{"raw_affiliation_string":"North Carolina State University - Poole College of Management, Hillsborough Street, Raleigh, NC 27695-8614, United States","institution_ids":["https://openalex.org/I137902535"]},{"raw_affiliation_string":"North Carolina State University - Poole College of Management","institution_ids":["https://openalex.org/I137902535"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5057673396","display_name":"Annamaria Lusardi","orcid":"https://orcid.org/0000-0002-2378-7489","observed_orcids":["https://orcid.org/0000-0002-2378-7489"]},"institutions":[{"id":"https://openalex.org/I4405271375","display_name":"Stanford Institute for Economic Policy Research","ror":"https://ror.org/02bg31g49","country_code":"US","type":"facility","lineage":["https://openalex.org/I4405271375"]},{"id":"https://openalex.org/I97018004","display_name":"Stanford University","ror":"https://ror.org/00f54p054","country_code":"US","type":"education","lineage":["https://openalex.org/I97018004"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Annamaria Lusardi","raw_affiliation_strings":["Stanford University - Stanford Institute for Economic Policy Research, 366 Galvez Street, John A. and Cynthia Fry Gunn Building, Stanford, CA CA 94305, United States","Stanford University - Stanford Institute for Economic Policy Research"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Stanford University - Stanford Institute for Economic Policy Research, 366 Galvez Street, John A. and Cynthia Fry Gunn Building, Stanford, CA CA 94305, United States","institution_ids":["https://openalex.org/I4405271375","https://openalex.org/I97018004"]},{"raw_affiliation_string":"Stanford University - Stanford Institute for Economic Policy Research","institution_ids":["https://openalex.org/I4405271375","https://openalex.org/I97018004"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5035656073","display_name":"Olivia S. Mitchell","orcid":"https://orcid.org/0000-0002-6419-8314","observed_orcids":["https://orcid.org/0000-0002-6419-8314"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I79576946","display_name":"University of Pennsylvania","ror":"https://ror.org/00b30xv10","country_code":"US","type":"education","lineage":["https://openalex.org/I79576946"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Olivia S. Mitchell","raw_affiliation_strings":["National Bureau of Economic Research (NBER), 1050 Massachusetts Avenue, Cambridge, MA 02138, United States","University of Pennsylvania - The Wharton School, Pension Research Council, 3302 Steinberg Hall-Dietrich Hall, 3620 Locust Walk, Philadelphia, PA 19104-6302, United States","University of Pennsylvania - The Wharton School, Philadelphia, PA 19104-6365, United States","National Bureau of Economic Research (NBER)","University of Pennsylvania - The Wharton School","University of Pennsylvania - The Wharton School, Pension Research Council"],"raw_orcid":"https://orcid.org/0000-0002-6419-8314","affiliations":[{"raw_affiliation_string":"National Bureau of Economic Research (NBER), 1050 Massachusetts Avenue, Cambridge, MA 02138, United States","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"University of Pennsylvania - The Wharton School, Pension Research Council, 3302 Steinberg Hall-Dietrich Hall, 3620 Locust Walk, Philadelphia, PA 19104-6302, United States","institution_ids":["https://openalex.org/I79576946"]},{"raw_affiliation_string":"University of Pennsylvania - The Wharton School, Philadelphia, PA 19104-6365, United States","institution_ids":["https://openalex.org/I79576946"]},{"raw_affiliation_string":"National Bureau of Economic Research (NBER)","institution_ids":["https://openalex.org/I1321305853"]},{"raw_affiliation_string":"University of Pennsylvania - The Wharton School","institution_ids":["https://openalex.org/I79576946"]},{"raw_affiliation_string":"University of Pennsylvania - The Wharton School, Pension Research Council","institution_ids":["https://openalex.org/I79576946"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5057673396"],"corresponding_institution_ids":["https://openalex.org/I4405271375","https://openalex.org/I97018004"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":28,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.0,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-literacy","display_name":"financial literacy","score":0.9419999718666077},{"id":"https://openalex.org/keywords/retirement-behavior","display_name":"retirement behavior","score":0.8610000014305115},{"id":"https://openalex.org/keywords/defined-contribution-pensions","display_name":"defined contribution pensions","score":0.8450000286102295},{"id":"https://openalex.org/keywords/thrift-savings-plan","display_name":"Thrift Savings Plan","score":0.8759999871253967},{"id":"https://openalex.org/keywords/employee-contributions","display_name":"employee contributions","score":0.6380000114440918},{"id":"https://openalex.org/keywords/employee-survey","display_name":"employee survey","score":0.42500001192092896}],"concepts":[{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.8970885276794434},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5590617656707764},{"id":"https://openalex.org/C2776505523","wikidata":"https://www.wikidata.org/wiki/Q4785468","display_name":"Plan (archaeology)","level":2,"score":0.4873100519180298},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.44788357615470886},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.32353663444519043},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C95457728","wikidata":"https://www.wikidata.org/wiki/Q309","display_name":"History","level":0,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.2139/ssrn.2650476","doi":"https://doi.org/10.2139/ssrn.2650476","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2650476","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},{"id":"pmh:oai:repository.upenn.edu:prc_papers-1044","doi":null,"is_oa":true,"landing_page_url":"https://repository.upenn.edu/prc_papers/44","pdf_url":"https://repository.upenn.edu/bitstreams/69403d22-d6c3-4e2a-9121-782d0d1be1b5/download","source":{"id":"https://openalex.org/S4306402083","display_name":"ScholarlyCommons (University of Pennsylvania)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I79576946","host_organization_name":"University of Pennsylvania","host_organization_lineage":["https://openalex.org/I79576946"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Wharton Pension Research Council Working Papers","raw_type":"text"},{"id":"pmh:oai:RePEc:nbr:nberwo:21461","doi":null,"is_oa":false,"landing_page_url":"http://www.nber.org/papers/w21461.pdf","pdf_url":"http://www.nber.org/papers/w21461.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"}],"best_oa_location":{"id":"doi:10.2139/ssrn.2650476","doi":"https://doi.org/10.2139/ssrn.2650476","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2650476","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"sustainable_development_goals":[{"score":0.4000000059604645,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"sustainable_development_goals_aurora":[{"score":0.6800000071525574,"id":"https://metadata.un.org/sdg/4","display_name":"Quality education"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":25,"referenced_works":["https://openalex.org/W77927906","https://openalex.org/W1525703704","https://openalex.org/W1528560601","https://openalex.org/W1585229945","https://openalex.org/W1993841658","https://openalex.org/W1997548050","https://openalex.org/W2098605947","https://openalex.org/W2111313552","https://openalex.org/W2112102313","https://openalex.org/W2142502510","https://openalex.org/W2143037443","https://openalex.org/W2143121772","https://openalex.org/W2147095815","https://openalex.org/W2155719965","https://openalex.org/W2167825607","https://openalex.org/W2171340356","https://openalex.org/W2605769317","https://openalex.org/W3121995747","https://openalex.org/W3122125899","https://openalex.org/W3122262052","https://openalex.org/W3124699996","https://openalex.org/W3125678016","https://openalex.org/W3125685058","https://openalex.org/W3126062738","https://openalex.org/W4285719527"],"related_works":["https://openalex.org/W2892316712","https://openalex.org/W2025213520","https://openalex.org/W7213273965","https://openalex.org/W2729322841","https://openalex.org/W7096163706","https://openalex.org/W2989249069","https://openalex.org/W2890608822","https://openalex.org/W4289537537","https://openalex.org/W3130820781","https://openalex.org/W1586287991"],"abstract_inverted_index":null,"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":3},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":5},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":1}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2016-06-24T00:00:00"}