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
- “Inequality in Refinancing” (With Yuliya Demyanyk, María José Luengo‑Prado, and Bent E. Sørensen.)
- “Financial Literacy and the Credit Card Debt Puzzle” (With Daniel Jacobs.)
- “Consumption Inequality and Heterogeneous Insurance”
- “Consumer Expectations and the Demand for Credit”
- “Optimal Financial Inclusion Policies”
- “Financial Inclusion and Household Debt” (Draft coming soon.)