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.)