“The Design of Retirement Saving Programs in the Presence of Competing Consumption Needs,” National Tax Association Proceedings – 2010, 71 – 80. [NBER RRC Paper No. NB 09-09]
“Disability Risk and the Value of Disability Insurance,” in David M. Cutler and David A. Wise (eds.) Health at Older Ages: The Causes and Consequences of Declining Disability Among the Elderly. Chicago: University of Chicago Press, 2008, 295-236. (with Amitabh Chandra) [NBER Working Paper 11605]
“Saving for Retirement: Understanding the Importance of Heterogeneity,” Business Economics 41 (January 2006), 21-27.
“How Important Is Precautionary Saving?” Review of Economics and Statistics 80 (August 1998), 410-419. (with Christopher Carroll) [NBER Working Paper 5194]
“The Nature of Precautionary Wealth,” Journal of Monetary Economics 40 (September 1997), 41-72. (with Christopher Carroll) [NBER Working Paper 5193]