Evaluation Perspectives


Agarwal, S., Amromin, G., Ben-David, I., Chomsisengphet, S., & Evanoff, D. D. (2010). Learning to cope: Voluntary financial education programs and loan performance during a housing crisis. American Economic Review 100(2), 495–500. Retrieved from https://www.aeaweb.org/articles?id=10.1257/aer.100.2.495

Agarwal, S., Amromin, G., Ben-David, I., Chomsisengphet, S., Piskorski, T., & Seru, A. (2016). Policy interventions in debt negotiations: Evidence from the Home Affordable Modification Program. Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2138314

Air Force Personnel Center. (2016). Financial readiness campaign. Retrieved from http://www.afpc.af.mil/Financal-Readiness

Allgood, S., & Walstad, W. (2016). The effects of perceived and actual financial literacy on financial behaviors. Economic Inquiry54(2), 675-697. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/ecin.2016.54.issue-1/issuetoc

American Institute of Certified Public Accountants (CPA). (2016). Military and reserves. Retrieved from http://www.360financialliteracy.org/Life-Stages/Military-and-Reserves

Army OneSource. (2016). Army gold. Retrieved from http://www.myarmyonesource.com/CommunitiesandMarketplace/FinancialLiteracyGame/default.aspx

Asarta, C. J., Hill, A. T., & Meszaros, B. T. (2014). The features and effectiveness of the Keys to Financial Success curriculum. International Review of Economics Education, 16(a), 39-50. Retrieved from http://www.sciencedirect.com/science/article/pii/S1477388014000140

Batty, M., Collins, J. M., & Odders-White, E. (2015). Experimental evidence on the effects of financial education on elementary school students’ knowledge, behavior, and attitudes. The Journal of Consumer Affairs, 49(1), 69-96. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/joca.12058/abstract

Bayer, P. J., Bernheim, B. D., & Scholz, J. K. (2008). The effects of financial education in the workplace: Evidence from a survey of employers. Economic Inquiry, 47(4), 605-624. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/j.1465-7295.2008.00156.x/abstract

Bell, C., Gorin, D., & Hogarth, J. M. (2009). Does financial education affect solders’ financial behavior? Proceedings of the 2009 Federal Reserve System Community Affairs Research Conference. Washington, DC. Retrieved from https://www.kansascityfed.org/publicat/events/community/2009carc/Hogarth.pdf

Bengen, W. P. (1994). Determining withdrawal rates using historical data. Journal of Financial Planning, 17(3), 171-180. Retrieved from https://www.researchgate.net/publication/240633187_Determining_Withdrawal_Rates_Using_Historical_Data

Bernheim, B. D., & Garrett, D. M. (2003). The effects of financial education in the workplace: Evidence from a survey of households. Journal of Public Economics, 87(7-8), 1487-1519. Retrieved from http://www.sciencedirect.com/science/article/pii/S0047272701001840.

Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and saving: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 80(3), 435–465. Retrieved from http://www.sciencedirect.com/science/article/pii/S0047272700001201

Better Business Bureau Institute For Marketplace Trust (BBB). (2016). Military and veterans initiative. Retrieved from http://www.bbbmarketplacetrust.org/category/291048/military-and-veterans

Bettinger, E. P., Long, B. T., Oreopoulos, P., & Sanbonmatsu, L. (2012). The role of application assistance and information in college decisions: Results from the H&R Block FAFSA experiment. Quarterly Journal of Economics, 127(3), 1205-1242. Retrieved from http://qje.oxfordjournals.org/content/127/3/1205.short

Brand, A. M., Hogarth, J. M., Peranzi, N. J., & Vlietstra, A. D. (2011). Emergency funds and savings among service members. Proceedings of the 2011 American Council on Consumer Interests Conference. Washington, DC. Retrieved from http://www.consumerinterests.org/assets/docs/CIA/CIA2011/2011_brandhogarthperanzivlietstra%202.pdf

Brennan, P. Q., & O’Neill, B. M. (2014). Money talk: A financial guide for women. Ithaca, NY: PALS Publishing. Retrieved from http://njaes.rutgers.edu/money/

Brown, M., Gigsby, J., van der Klaauw, W., Wen, J., & Zafar, B. (2016). Financial education and the debt behavior of the young. Review of Financial Studies, 29(9), 2490-2522. Retrieved from http://rfs.oxfordjournals.org/content/early/2016/03/04/rfs.hhw006.abstract

Bruhn, M., de Souza Leao, L., Legovini, A., Marchetti, R., & Zia, B. (2016). The impact of high school financial education: Evidence from a large-scale evaluation in Brazil. American Economic Journal: Applied Economics, 8(4), 256-295. https://www.aeaweb.org/articles?id=10.1257/app.2015-0149&&from=f

Bureau of Labor Statistics, U.S. Department of Labor. (2016). Occupational Outlook Handbook, 2016-17 Edition, Personal Financial Advisors. Retrieved from http://www.bls.gov/ooh/business-and-financial/personal-financial-advisors.htm

Calcagno, R., & Monticone, C. (2015). Financial literacy and the demand for financial advice. Journal of Banking & Finance, 50, 363-380. Retrieved from http://www.sciencedirect.com/science/article/pii/S037842661400096X

Carrell, S., & Zinman, J. (2014). In harm’s way? Payday loan access and military personnel performance. The Review of Financial Studies, 27(9), 2805-2840. Retrieved from http://rfs.oxfordjournals.org/content/27/9/2805

Certified Financial Planner Board of Standards (CFPBS). (2015). 2015 Principal Knowledge Topics. Retrieved from http://www.cfp.net/become-a-cfp-professional/2015-job-task-analysis/2015-principal-knowledge-topics

Chang, M. L. (2005). With a little help from my friends (and my financial planner). Social Forces, 83(4), 1469-1497. Retrieved from http://www.jstor.org/stable/3598401

Chen, W., & Heath, J. A. (2012). The efficacy of financial education in the early grades: Results from a statewide program. In Tomas Lucey & James Laney (Eds.), Reframing Financial Literacy: Exploring the Value of Social Currency (pp. 189-208). Charlotte, NC: Information Age Publishing, Inc. Retrieved from http://www.infoagepub.com/products/Reframing-Financial-Literacy

Clark, R. L. (2003). Sex differences, financial education, and retirement goals (PRC working paper No. 2003-15). Retrieved from http://www.worldlii.org/int/journals/lsn/abstracts/476023.html

Clark, R. L., & d’Ambrosio, M. B. (2003). Ignorance is not bliss: The importance of financial education (Research Dialogue issue No. 78). New York: TIAA-CREF Institute. Retrieved from https://www.tiaainstitute.org/public/pdf/institute/research/dialogue/78.pdf

Clark, R. L., Lusardi, A., & Mitchell, O. S. (2014). Financial knowledge and 401(k) investment performance (NBER paper No. w20137). Cambridge, MA: National Bureau of Economic Research. Retrieved from https://ideas.repec.org/p/nbr/nberwo/20137.html

Clark, R. L., Morrill, M. S., & Allen, S. G. (2012a). Effectiveness of employer-provided financial information: Hiring to retiring. American Economic Review, 102(3), 314-318. https://www.aeaweb.org/articles?id=10.1257/aer.102.3.314&within%5Bauthor%5D=on&journal=1&q=Clark&from=j

Clark, R. L., Morrill, M. S., & Allen, S. G. (2012b). The role of financial literacy in determining retirement plans. Economic Inquiry, 50(4), 851-866. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/j.1465-7295.2011.00390.x/full

Clark, R., Morrill, M. S., & Maki, J. (2011). Evaluating workplace education for new hires (working paper No. WR-892-SSA). Santa Monica, CA: RAND Corporation. Retrieved from http://www.rand.org/pubs/working_papers/WR892.html

Cole, S., Paulson, A., & Shastry, G. K. (2015). High school and financial outcomes: The impact of mandated personal finance and mathematics courses. Journal of Human Resources, 51(3), 656-698. http://jhr.uwpress.org/content/early/2015/11/20/jhr.51.3.0113-5410R1.abstract

Collins, J. M. (2012a). Financial advice: A substitute for financial literacy? Financial Services Review, 21(4), 307-322. Retrieved from http://ssrn.com/abstract=2046227

Collins, J. M. (2012b). The impacts of mandatory financial education: Evidence from a randomized field study. Journal of Economic Behavior & Organization, 95, 146–158. http://ssc.wisc.edu/~jmcollin/JEBO_12.pdf

Collins, J. M. (2016). Financial coaching: Defining an emerging field. In Jing Xiao (Ed.), Handbook of consumer finance research (2nd ed.) (pp. 93-102). Switzerland: Springer International Publishing. Retrieved from http://www.springer.com/us/book/9783319288857

Collins, J. M., & Odders-White, E. (2015). A framework for developing and testing financial capability education programs targeted to elementary schools. Journal of Economic Education, 46(1), 105-120. Retrieved from http://www.tandfonline.com/doi/abs/10.1080/00220485.2014.976325

Collins, J. M., & O’Rourke, C. M. (2010). Financial education and counseling-Still holding promise. Journal of Consumer Affairs, 44(3), 483-498. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/j.1745-6606.2010.01179.x/full

Collins, J. M., & Schmeiser, M. D. (2013). The effects of foreclosure counseling for distressed homeowners. Journal of Policy Analysis and Management, 32(1), 83-106. Retrieved from http://onlinelibrary.wiley.com/doi/10.1002/pam.21670/epdf

Collins, J. M., & Urban, C. (2016). The role of information on retirement planning: Evidence from a field study. Economic Inquiry, 54(4), 1860-1872. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/ecin.12349/abstract

Consumer Financial Protection Bureau (CFPB). (2014). Financial wellness at work: A review of promising practices and policies. Washington, DC: Consumer Financial Protection Bureau. Retrieved from http://files.consumerfinance.gov/f/201408_cfpb_report_financial-wellness-at-work.pdf

Consumer Financial Protection Bureau (CFPB). (2014). Rigorous evaluations of financial capability strategies: why, when, and how. Perspectives from the field. Washington, DC: Consumer Financial Protection Bureau. Retrieved from http://files.consumerfinance.gov/f/201401_cfpb_report_rigorous-evaluation-financial-capability.pdf

Consumer Financial Protection Bureau (CFPB). (2015). Financial well-being: The goal of financial education. Washington, DC: Consumer Financial Protection Bureau. http://files.consumerfinance.gov/f/201501_cfpb_report_financial-well-being.pdf

Consumer Financial Protection Bureau (CFPB). (2016). Information for service members. Retrieved from http://www.consumerfinance.gov/servicemembers/

Council for Economic Education (CEE). (2013). National standards for financial literacy. Retrieved from http://www.councilforeconed.org/wp/wp-content/uploads/2013/02/national-standards-for-financial-literacy.pdf

Council for Economic Education (CEE). (2016). Survey of the states 2016: Economics and personal finance education in our nation’s schools. Retrieved from http://www.councilforeconed.org/wp/wp-content/uploads/2014/02/2014-Survey-of-the-States.pdf

Cuide, B. J., Danes, D., & Kabaci, M. J. (2016). Financial knowledge and financial education of college students. In Jing Xiao (Ed.), Handbook of Consumer Finance Research (2nd ed.) (pp. 141-153). Switzerland: Springer International Publishing.

Danes, S. M., Rodriguez, M. C., & Brewton, K. E. (2013). Learning context when studying financial planning in high schools: Nesting of student teacher, and classroom characteristics. Journal of Financial Counseling and Planning, 24(2), 20–36. Retrieved from http://afcpe.org/assets/pdf/v24_2_20-36.pdf

Darolia, R. (2016). An experiment on information use in college student loan decisions (working paper No. 16-8). Philadelphia, PA: Federal Reserve Bank of Philadelphia. Retrieved from https://www.philadelphiafed.org/research-and-data/publications/working-papers/

Delgadillo. L. (2016). Financial Counseling and Financial Health. In Jing Xiao (Ed.),  Handbook of Consumer Finance Research (2nd ed.) (pp. 83-91). Switzerland: Springer International Publishing.

Dynarski, S. M., & Scott-Clayton, J. E. (2006). The cost of complexity in federal student loan aid: Lessons from optimal tax theory and behavioral economics. National Tax Journal, 59(2), 319-356. Retrieved from http://www.nber.org/papers/w12227

Elbogen, E. B. (2015). Why financial literacy matters after returning home from war: Reducing veteran homelessness by improving money management. Community Investments, 26(3), 25-30. Retrieved from http://www.frbsf.org/community-development/publications/community-investments/2015/january/why-financial-literacy-matters-after-returning-home-from-war-reducing-veteran-homelessness-by-improving-money-management/

Elliehausen, G., Lundquist, E., & Staten, M. E. (2007). The impact of credit counseling on subsequent borrower behavior. Journal of Consumer Affairs, 41(1), 1–28. Retrieved from https://www.jstor.org/stable/23860012?seq=1#page_scan_tab_contents

Federal Reserve Bank of New York (FRBNY). (2016). Household debt and credit report. Retrieved from https://www.newyorkfed.org/microeconomics/hhdc.html

Fernandez, C., Fletcher, C., Klepfer, K., & Webster, J. (2015). A time to every purpose: Understanding and improving the borrower experience with online student loan entrance counseling. Round Rock, TX: TG Research and Analytical Services. Retrieved from https://www.tgslc.org/pdf/Time-to-Every-Purpose.pdf

Financial Industry Regulatory Authority (FINRA). (2016a). Tools for graduates: Military spouse fellowship program. Retrieved from https://www.saveandinvest.org/military-financial-educators/tools-and-resources

Financial Industry Regulatory Authority (FINRA). (2016b). Report on digital investment advice. Retrieved from https://www.finra.org/sites/default/files/digital-investment-advice-report.pdf

Financial Industry Regulatory Authority Investor Education Foundation (FINRA). (2013a). Financial capability in the United States: Report of findings from the 2012 National Financial Capability Study. Retrieved from http://www.usfinancialcapability.org/downloads/NFCS_2012_Report_Natl_Findings.pdf

Financial Industry Regulatory Authority Investor Education Foundation (FINRA). (2013b). National financial capability study. Retrieved from http://www.usfinancialcapability.org/

Flammia, D. (2016, February 8). College debt 101: NJ bill aims to educate high schoolers on college costs. New Jersey 101.5. Retrieved from http://nj1015.com/college-debt-101-nj-bill-aims-to-educate-high-schoolers-on-college-costs/

Giné, X., Martinez Cuellar, C., & Mazer R. K. (2014). Financial (Dis-) Information: Evidence from an audit study in Mexico (Policy Research working paper No. 6902). Washington, DC: The World Bank Development Research Group. Retrieved from http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2014/06/03/000158349_20140603154236/Rendered/PDF/WPS6902.pdf

Goda, G. S., Manchester, C. F., & Sojourner, A. (2013). Do income projections affect retirement saving? (No. 13-4). Boston, MA: Trustees of Boston College, Center for Retirement Research. Retrieved from http://crr.bc.edu/wp-content/uploads/2013/04/IB_13-4-508.pdf

Grinstein-Weiss, M., Guo, S., Reinertson, V., & Russell, B. (2015). Financial education and savings outcomes for low income IDA participants: Does age make a difference? Journal of Consumer Affairs, 49(1), 156-185. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/joca.12061/epdf

Gutter, M., & Copur, Z. (2011). Financial behaviors and financial well-being of college students: Evidence from a national survey. Journal of Family and Economic Issues, 32(4), 699-714. Retrieved from http://link.springer.com/article/10.1007/s10834-011-9255-2

Hanna, S. D., & Lindamood, S. (2010). Quantifying the economic benefits of personal financial planning. Financial Services Review, 19(2). Retrieved from http://ssrn.com/abstract=1888285

Hannagan, A., & Morduch, J. (2015). Income gains and month-to-month income volatility: Household evidence from the U.S. Financial Diaries. Retrieved from: http://www.usfinancialdiaries.org/paper-1

Harter, C. L., & Harter, J. F. R. (2009). Assessing the effectiveness of Financial Fitness for Life in eastern Kentucky. Journal of Applied Economics and Policy, 28(1), 20-33. Retrieved from http://kentuckyeconomicassociation.org/jaep/issues/JAEPVol28(1)2009.pdf

Hensley, B. J. (2015). Enhancing links between research and practice to improve consumer financial education and well-being. Journal of Financial Counseling and Planning, 26(1), 94-101. http://files.eric.ed.gov/fulltext/EJ1074652.pdf

Hershfield, H. E., Goldstein, D. G., Sharpe, W. F., Fox, J., Yeykelis, L., Carstensen, L. L., & Bailenson, J. N. (2011). Increasing saving behavior through age-progressed renderings of the future self. Journal of Marketing Research, 48, S23-S37. Retrieved from http://www.dangoldstein.com/papers/Hershfield_Goldstein_et_al_Increasing_Saving_Behavior_Age_Progressed_Renderings_Future_Self.pdf

Inderst, R., & Ottavian, M. (2012). Financial advice. Journal of Economic Literature, 50(2), 494-512. Retrieved from https://www.aeaweb.org/articles?id=10.1257/jel.50.2.494&within%5Btitle%5D=on&within%5Babstract%5D=on&within%5Bauthor%5D=on&journal=2&q=Inderst&from=j

Jacob, K. (2002). Evaluating your financial literacy program: A practical guide. Chicago, IL: Woodstock Institute. Retrieved from http://www.woodstockinst.org/sites/default/files/attachments/evaluationguide.pdf

Joo, S., & Grable, J. E. (2005). Employee education and the likelihood of having a retirement savings program. Journal of Financial Counseling and Planning, 16(1), 37-49. Retrieved from http://afcpe.org/assets/pdf/vol1615.pdf

InCharge Debt Solutions (InCharge). (2016). Military money. Retrieved from https://www.incharge.org/military-money/

Jump$tart Coalition for Personal Financial Literacy (Jump$tart). (2015). National Standards in K-12 Personal Finance Education. Retrieved from http://www.jumpstart.org/assets/files/2014_NationalStandardsBook-WEB.pdf

Karlan, D., Nelson, S., Shafir, E., & Zinman, J. (2012). Super savers? A randomized evaluation of commitment savings and financial counseling in New York City. New Haven, CT: Innovations in Poverty Action. Retrieved from http://www.poverty-action.org/sites/default/files/publications/super-savers-commitment-savings-nyc.pdf

Kim, J., Garman, E. T., & Quach, A. (2005). Workplace financial education participation and retirement savings by employees and their spouses. Journal of Personal Finance, 4(3), 92-108. Retrieved from https://www.researchgate.net/publication/265248304_Workplace_financial_education_participation_and_retirement_savings_by_employees_and_their_spouses

Kitces, M., & Pfau, W. (2014, April). Reduce stock exposure in retirement, or gradually increase it? American Association of Individual Investors Journal. Retrieved from http://www.aaii.com/journal/article/reduce-stock-exposure-in-retirement-or-gradually-increase-it.touch

Klinger, W. J. (2011). In search of the “best” retirement strategy. Journal of Financial Service Professionals, 65(1), 62-73.

Koundinya, V., Klink, J., Deming, P., Meyers, A., & Erb, K. (2016). How do mode and timing of follow-up surveys affect evaluation success? Journal of Extension, 54(1). Retrieved from http://www.joe.org/joe/2016february/rb1.php

Lienhardt, H. (2015). Financial coaching census 2015: Insights from the financial coaching field. Evanston, IL: Asset Funders Network. Retrieved from http://assetfunders.org/documents/AFN_Financial_Coaching_Census_2015.pdf

Local Initiatives Support Corporation (LISC). (2016). Mapping a road to financial well-being. Retrieved From http://www.lisc.org/media/filer_public/f6/15/f61526a9-46c4-42d0-b4e2-73de6ba5edac/foc_bi-fold_final.pdf

Loke, V., Choi, L., & Libby, M. (2015). Increasing youth financial capability: An evaluation of the MyPath Savings initiative. Journal of Consumer Affairs, 49(1), 97-126. Retrieved from https://www.bostonfed.org/commdev/conf/2015/leveraging-financial-education/material/Evaluation-of-MyPath-Savings-Initiative-2015.pdf

Lusardi, A. (2003). Saving and the effectiveness of financial education (Pension Research Council working paper No. 2003-14). Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=476022

Lusardi, A. (2008). Household saving behavior: The role of financial literacy, information, and financial education programs (National Bureau of Economic Research working paper No. 13824). Retrieved from http://www.nber.org/papers/w13824

Lusardi, A., Keller, P., & Keller, A. (2008). New ways to make people save: The Dartmouth project. TIAA-CREF Institute: Trends and Issues. Retrieved from http://www.dartmouth.edu/~alusardi/Papers/T&I--Dartmouth%20Project--Lusardi,%20Keller%20&%20Keller.pdf

Lusardi, A., Keller, P., & Keller, A. (2009). Increasing the effectiveness of retirement saving programs for females and low income employees: A marketing approach. Denver, CO: National Endowment for Financial Education. Retrieved from http://www.nefe.org/Portals/0/WhatWeProvide/PrimaryResearch/PDF/DartmouthStudy.pdf

Lusardi, A., & Mitchell, O. S. (2005). Financial literacy and planning: Implications for retirement well-being (Michigan Retirement Research Center Research Paper No. 2005-108). Retrieved from http://papers.ssrn.com/sol3/papers.cfm?abstract_id=881847

Lusardi, A., & Mitchell, O. S. (2007a). Baby boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of Monetary Economics, 54(1), 205-224. Retrieved from http://www.nber.org/papers/w12585

Lusardi, A., & Mitchell, O. S. (2007b). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(1), 35-44. Retrieved from http://www.dartmouth.edu/~alusardi/Papers/Financial_Literacy.pdf

Lusardi, A., & Mitchell, O. S. (2008). Planning and financial literacy: How do women fare? American Economic Review, 98(2), 413-417. Retrieved from http://www.dartmouth.edu/~alusardi/Papers/AER-FinalPublishedVersion.pdf

Lusardi, A., & Mitchell, O. S. (2011a). Financial literacy and retirement preparedness: Evidence and implications for financial education. Journal of Pension Economics and Finance. 10(4), 509-525. Retrieved from http://journals.cambridge.org/action/displayJournal?jid=PEF

Lusardi, A., & Mitchell, O. S. (2011b). Financial literacy and planning: Implications for retirement well-being (National Bureau of Economic Research working paper No. 17078). Retrieved from https://core.ac.uk/download/files/153/6363749.pdf

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44. Retrieved from https://www.aeaweb.org/articles?id=10.1257/jel.52.1.5&within%5Btitle%5D=on&within%5Babstract%5D=on&within%5Bauthor%5D=on&journal=2&q=Lusardi&from=j

Lusardi, A., Mitchell, O.S., & Curto, V. (2010). Financial literacy among the young. Journal of Consumer Affairs, 44(2), 358–380. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/j.1745-6606.2010.01173.x/abstract

Lyons, A. C. (2008). Risky credit card behavior of college students. In Jing Xiao (Ed.), Handbook of consumer finance research (2nd ed.) (pp. 185-207). Switzerland: Springer International Publishing. Retrieved from http://link.springer.com/chapter/10.1007/978-0-387-75734-6_11

Lyons, A. C., Palmer, L., Jayaratne, K. S., & Scherpf, E. (2006). Are we making the grade? A national overview of financial education and program evaluation. Journal of Consumer Affairs, 40(2), 208-Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/j.1745-6606.2006.00056.x/full

Military OneSource. (2016). Financial and legal. Retrieved from http://www.militaryonesource.mil/financial-and-legal

Moore, D., & Tananis, C. A. (2009). Measuring change in a short-term educational program using a retrospective pretest design. American Journal of Evaluation, 30(2), 189-202. Retrieved from http://aje.sagepub.com/content/30/2/189.full.pdf+html

Mortgage Bankers Association. (2011). National delinquency survey results Q1 2011. Retrieved from http://nationalmortgageprofessional.com/sites/default/files/MBA_NDS_Q111.pdf

Moulton, S., Loibl, C., Samek, A., & Collins, J. M. (2013). Borrowing capacity and financial decisions of low-to-moderate income first time homebuyers. Journal of Consumer Affairs, 47(3), 375-403. Retrieved from http://onlinelibrary.wiley.com/doi/10.1111/joca.12021/epdf

Moulton, S., Collins, J. M., Loibl, C., & Samek, A. (2015). Effects of monitoring on mortgage delinquency: Evidence from a randomized field survey. Journal of Policy Analysis and Management, 34(1), 184-207. Retrieved from http://onlinelibrary.wiley.com/doi/10.1002/pam.21809/pdf

Moyer, L. (2015a, April 24). Five robo advisers, five very different portfolios. Wall Street Journal. Retrieved from http://blogs.wsj.com/totalreturn/2015/04/24/five-robo-advisers-five-very-different-portfolios/

Moyer, L. (2015b, April 24). Putting robo advisers to the test. Wall Street Journal. Retrieved from http://www.wsj.com/articles/putting-robo-advisers-to-the-test-1429887456

Mullainathan, S., Noeth, M., & Schoar, A. (2012). The market for financial advice: An audit study (National Bureau of Economic Research working paper No. 17929). Retrieved from www.nber.org/papers/w17929

National Defense Authorization Act for Fiscal Year 2016, S. 1356, 114th Cong. (2015-2016). Retrieved from https://www.congress.gov/bill/114th-congress/senate-bill/1356

National Endowment for Financial Education (NEFE). (2016a). Financial education evaluation toolkit. Denver, CO: National Endowment for Financial Education. Retrieved from http://toolkit.nefe.org/

National Endowment for Financial Education (NEFE). (2016b). Retirement decumulation: Key concepts. Denver, CO: National Endowment for Financial Education. Retrieved from http://www.nefe.org/what-we-provide/primary-research/retirement-decumulation-key-concepts.aspx

National Financial Educators Council (NFEC). (2016). The military financial literacy American dream movement campaign. Retrieved from https://www.financialeducatorscouncil.org/military-financial-literacy/

Neiser, B. A. (2009). Averting at-risk America’s retirement crisis. Journal of Financial Planning, 22(7), 56-62. Retrieved from https://www.onefpa.org/journal/pages/default.aspx

Nerd Wallet. (2016, March 14). Best robo-advisors: 2016 top picks. NerdWallet, Inc. Retrieved from https://www.nerdwallet.com/blog/investing/best-robo-advisors/

Nielsen, R. B., Fletcher, C. N., & Bartholomae, S. (2016). Consumer finances of low income families. In Jing Xiao (Ed.), Handbook of consumer finance research (2nd ed.) (pp. 167-178). Switzerland: Springer International Publishing. Retrieved from http://www.springer.com/us/book/9783319288857

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Appendix: Listing of Authors

William Walstad, John T. and Mable M. Hay Professor, Department of Economics, University of Nebraska-Lincoln

Carlos Asarta, Associate Professor, Department of Economics, and Director, Center for Economic Education and Entrepreneurship, University of Delaware

Elizabeth Breitbach, Assistant Professor, Department of Finance, Loras College

William Bosshardt, Professor, Department of Economics, and Director, Center for Economic Education, Florida Atlantic University

Julie Heath, Professor and Alpaugh Family Chair in Economics, Department of Economics, and Director, Economics Center, University of Cincinnati

Barbara O’Neill, Extension Specialist in Financial Resource Management, and Distinguished Professor, Rutgers Cooperative Extension, Rutgers University

Carly Urban, Assistant Professor, Department of Economics, Montana State University

Jamie Wagner, Assistant Professor, Department of Economics, and Director, Center for Economic Education, University of Nebraska at Omaha

Jing Jian Xiao, Professor, Department of Human Development and Family Studies, University of Rhode Island