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My research focuses on household financial decision-making, particularly saving behavior and intertemporal choice. I am interested in understanding how individuals make financial decisions, how these decisions are shaped by information and decision-making environments, and why financial behaviors differ across individuals. My work draws on behavioral and experimental economics, combining economic theory and empirical methods to investigate these questions.
Abstract: This paper studies how a dynamic planning tool affects lifecycle consumption-saving decisions in a laboratory experiment. Participants in a Budget Calculator treatment can simulate hypothetical future consumption paths before deciding; Baseline participants can only enter consumption for the current period. The calculator substantially reduces optimization errors and welfare losses, and nearly eliminates the extreme accumulation-then-correction behavior common among Baseline participants. Exploration frequency --- the share of decision pages on which a participant simulates future periods --- predicts lower welfare loss, while revision intensity within explored pages does not. This engagement margin is itself shaped by real-world saving habits: participants who save a fixed amount each month explore a significantly larger share of decision periods than those who save whatever remains at month's end, independent of financial literacy or cognitive ability, even though saving habits do not moderate the average treatment effect. These findings trace a channel from saving habits to engagement to performance, identifying engagement --- not mere access --- as the behavioral margin through which planning tools improve decision-making.
(Draft available upon request)
An experimental study of how exposure to influencer-style financial content affects saving decisions, with attention to differences in planning horizons.
An empirical investigation of the relationship between planning horizons, household saving, and wealth accumulation, accounting for financial literacy and income.