Scott R. Baker, R. A. Farrokhnia, Steffen Meyer, Michaela Pagel, Constantine Yannelis

NBER Working Paper No. 27097
Issued in May 2020

---- Acknowledgments ----

The authors wish to thank our colleagues for helpful discussions and comments. Constantine Yannelis is grateful to the Fama Miller Center for generous financial support. R.A. Farrokhnia is grateful to Advanced Projects and Applied Research in Fintech at Columbia Business School for support. We would like to thank Suwen Ge, Spyros Kypraios, Rebecca Liu, and Sharada Sridhar for excellent research assistance. We are grateful to SaverLife for providing data access. This draft is preliminary and comments are welcome. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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