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.) Under review.
  

Works in Progress

• “The Uneven Distribution of Gains from Refinancing: Evidence from U.S. ZIP codes 2011–2019” (With Yuliya Demyanyk, Vaishali Garga, María José Luengo‑Prado, and Bent E. Sørensen.) Draft coming soon.
  
• “Work Characteristics and Work Schedules” (With German Cubas and Pedro Silos.) Draft coming soon.
  
• “Financial Literacy and the Credit Card Debt Puzzle” (With Daniel Jacobs.) Draft coming soon.
  
• “Financial Inclusion Policies in Theory and Practice” Draft coming soon.
  
• “Why is India’s Manufacturing Value-added flat?” (With Kriti Khanna, Nausheen Sodhi, and Priyam Verma.)