{"id":"https://openalex.org/W1995185083","doi":"https://doi.org/10.1016/s0165-1765(97)00239-5","title":"Precautionary saving and subjective earnings variance","display_name":"Precautionary saving and subjective earnings variance","publication_year":1997,"publication_date":"1997-12-01","ids":{"openalex":"https://openalex.org/W1995185083","doi":"https://doi.org/10.1016/s0165-1765(97)00239-5","mag":"1995185083"},"language":"en","primary_location":{"id":"doi:10.1016/s0165-1765(97)00239-5","doi":"https://doi.org/10.1016/s0165-1765(97)00239-5","is_oa":true,"landing_page_url":"https://doi.org/10.1016/s0165-1765(97)00239-5","pdf_url":"https://www.sciencedirect.com/science/article/pii/S0165176597002395/pdf","source":{"id":"https://openalex.org/S36178057","display_name":"Economics Letters","issn_l":"0165-1765","issn":["0165-1765","1873-7374"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","erih-plus","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economics Letters","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://www.sciencedirect.com/science/article/pii/S0165176597002395/pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","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/I107672454","display_name":"Dartmouth College","ror":"https://ror.org/049s0rh22","country_code":"US","type":"education","lineage":["https://openalex.org/I107672454"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Annamaria Lusardi","raw_affiliation_strings":["Department of Economics, Dartmouth College, Hanover, NH 03755, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics, Dartmouth College, Hanover, NH 03755, USA","institution_ids":["https://openalex.org/I107672454"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5057673396"],"corresponding_institution_ids":["https://openalex.org/I107672454"],"apc_list":{"value":3030,"currency":"USD","value_usd":3030},"apc_paid":{"value":3030,"currency":"USD","value_usd":3030},"fwci":18.4392,"has_fulltext":true,"cited_by_count":207,"citation_normalized_percentile":{"value":0.98791499,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":100},"biblio":{"volume":"57","issue":"3","first_page":"319","last_page":"326"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9818999767303467,"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":0.9818999767303467,"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/T10446","display_name":"Income, Poverty, and Inequality","score":0.004399999976158142,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10208","display_name":"Labor market dynamics and wage inequality","score":0.0035000001080334187,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/precautionary-saving","display_name":"precautionary saving","score":0.996999979019165},{"id":"https://openalex.org/keywords/income-risk","display_name":"income risk","score":0.9559999704360962},{"id":"https://openalex.org/keywords/risk-aversion","display_name":"risk aversion","score":0.3659999966621399}],"concepts":[{"id":"https://openalex.org/C2781426361","wikidata":"https://www.wikidata.org/wiki/Q5326940","display_name":"Earnings","level":2,"score":0.8063066005706787},{"id":"https://openalex.org/C2780148112","wikidata":"https://www.wikidata.org/wiki/Q1432581","display_name":"Proxy (statistics)","level":2,"score":0.7132986187934875},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.7113641500473022},{"id":"https://openalex.org/C196083921","wikidata":"https://www.wikidata.org/wiki/Q7915758","display_name":"Variance (accounting)","level":2,"score":0.7006888389587402},{"id":"https://openalex.org/C2780138423","wikidata":"https://www.wikidata.org/wiki/Q7239395","display_name":"Precautionary savings","level":3,"score":0.6013736724853516},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.4011082947254181},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3305117189884186},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.2091030776500702},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.11300188302993774},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.08964523673057556},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.06980270147323608},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.0},{"id":"https://openalex.org/C183582576","wikidata":"https://www.wikidata.org/wiki/Q184783","display_name":"Market liquidity","level":2,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1016/s0165-1765(97)00239-5","doi":"https://doi.org/10.1016/s0165-1765(97)00239-5","is_oa":true,"landing_page_url":"https://doi.org/10.1016/s0165-1765(97)00239-5","pdf_url":"https://www.sciencedirect.com/science/article/pii/S0165176597002395/pdf","source":{"id":"https://openalex.org/S36178057","display_name":"Economics Letters","issn_l":"0165-1765","issn":["0165-1765","1873-7374"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","erih-plus","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economics Letters","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:eee:ecolet:v:57:y:1997:i:3:p:319-326","doi":null,"is_oa":false,"landing_page_url":"http://www.sciencedirect.com/science/article/pii/S0165-1765(97)00239-5","pdf_url":null,"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":"article"}],"best_oa_location":{"id":"doi:10.1016/s0165-1765(97)00239-5","doi":"https://doi.org/10.1016/s0165-1765(97)00239-5","is_oa":true,"landing_page_url":"https://doi.org/10.1016/s0165-1765(97)00239-5","pdf_url":"https://www.sciencedirect.com/science/article/pii/S0165176597002395/pdf","source":{"id":"https://openalex.org/S36178057","display_name":"Economics Letters","issn_l":"0165-1765","issn":["0165-1765","1873-7374"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","erih-plus","jufo-1","norway-1","poland-100","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Economics Letters","raw_type":"journal-article"},"sustainable_development_goals":[],"sustainable_development_goals_aurora":[{"score":0.7200000286102295,"display_name":"No poverty","id":"https://metadata.un.org/sdg/1"}],"study_designs":[],"awards":[],"funders":[{"id":"https://openalex.org/F4320322149","display_name":"Banca d'Italia","ror":"https://ror.org/03v2nbx43"},{"id":"https://openalex.org/F4320323716","display_name":"Universit\u00e0 Bocconi","ror":"https://ror.org/05crjpb27"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W1995185083.pdf","grobid_xml":"https://content.openalex.org/works/W1995185083.grobid-xml"},"referenced_works_count":14,"referenced_works":["https://openalex.org/W36669604","https://openalex.org/W1506349247","https://openalex.org/W1523765259","https://openalex.org/W1751207693","https://openalex.org/W1963838952","https://openalex.org/W2032806886","https://openalex.org/W2038051457","https://openalex.org/W2076306791","https://openalex.org/W2116994302","https://openalex.org/W3121729333","https://openalex.org/W3122416536","https://openalex.org/W3122897481","https://openalex.org/W3125184571","https://openalex.org/W4240979370"],"related_works":["https://openalex.org/W3121729333","https://openalex.org/W2041969336","https://openalex.org/W7095617879","https://openalex.org/W2113360697","https://openalex.org/W3122897481","https://openalex.org/W2181567748","https://openalex.org/W2135144907","https://openalex.org/W6944238908","https://openalex.org/W50901827","https://openalex.org/W4239282114"],"abstract_inverted_index":{"In":[0],"this":[1],"paper,":[2],"I":[3,11,44],"examine":[4],"a":[5,51],"model":[6],"of":[7,30],"precautionary":[8,31],"saving":[9],"and":[10,41],"show":[12],"that":[13,16,47],"the":[14,28,37],"fact":[15],"people":[17],"may":[18,49],"insure":[19],"against":[20],"income":[21,55],"risk":[22],"makes":[23],"it":[24],"difficult":[25],"to":[26],"evaluate":[27],"extent":[29],"accumulation":[32],"by":[33],"simply":[34],"looking":[35],"at":[36],"relationship":[38],"between":[39],"wealth":[40],"earnings":[42],"variance.":[43],"also":[45],"argue":[46],"occupations":[48],"represent":[50],"bad":[52],"proxy":[53],"for":[54],"risk.":[56]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":7},{"year":2020,"cited_by_count":4},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":6},{"year":2017,"cited_by_count":7},{"year":2016,"cited_by_count":11},{"year":2015,"cited_by_count":9},{"year":2014,"cited_by_count":10},{"year":2013,"cited_by_count":15},{"year":2012,"cited_by_count":12}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2016-06-24T00:00:00"}
