Working Papers

• “Student Debt, Homeownership, and Wealth Accumulation over the Life Cycle” (Updated draft coming soon.)
  
• “Expenditure Smoothing under Balanced Budget Rules” (With Steven G. Craig, Annie Yu‑Hsin Hsu, Bent E. Sørensen, Vasundhara Tanwar, and Priyam Verma.)
  

Works in Progress

• “Redistribution from Mortgage Refinancing” (With Yuliya Demyanyk, Vaishali Garga, María José Luengo‑Prado, and Bent E. Sørensen.)
  
• “Financial Literacy and the Credit Card Debt Puzzle” (With Daniel Jacobs.)
  
• “Financial Inclusion Policies in Theory and Practice” (Draft coming soon.)