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All findings, interpretations, and conclusions of this paper represent the views of the author(s) and not those of the Wharton School or the Pension Research Council. © 1998 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.
We thank Richard Koski and Paul Euell of Buck Consultants for providing us with data, Stephen Helwig for research assistance, Regina Watson for assistance in preparing the manuscript, Olivia Mitchell for helpful comments, and the Center for Advanced Study in Behavioral Sciences, the Federal Reserve Board, the National Institute on Aging, and the National Science Foundation for research support.
Date Posted: 25 February 2020