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Splitting tax refunds and building savings: an empirical test

Abstract:

Families are more likely to save if they can commit to savings before funds are in-hand (and subject to spending temptations). For low- and moderate-income U.S. families, an important savings opportunity arises annually, during income tax season. We study a group of low-income individuals in Tulsa, Okalahoma, who, at the time of tax filing, were encouraged to save parts of their federal refunds. Those who agreed directed a portion of their refund to a savings account, and arranged to have the...

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Publication date:
2005-01-01
URN:
uuid:35d9d037-7e6e-4111-be3f-08cf2c6f8bbd
Local pid:
oai:eureka.sbs.ox.ac.uk:940

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