SEARCH

SEARCH BY CITATION

References

  • 401k.com. 2007. MyPlan: Retirement Planning Made Easy. https://401k.fidelity.com/public/content/401k/Home/Landing/.
  • Balls, Andrew. 2006. Spending in US Households Exceeds Incomes. The Americas, 62 (3): 6.
  • Baumeister, Roy, E. Bratslavsky, M. Maruaven, and D. Tice. 1998. Ego Depletion: Is the Active Self a Limited Resource? Journal of Personality and Social Psychology, 74 (5): 11521265.
  • Baumeister, Roy F., Matthew Gailliot, C. Nathan DeWall, and Megan Oaten. 2006. Self Regulation and Personality: How Interventions Increase Regulatory Success, and How Depletion Moderates the Effects of Traits on Behavior. Journal of Personality, 74 (6): 17751801.
  • Bearden, William, Bruce R. Money, and Jennifer L. Nevins. 2003. Development and Validation of a Measure of Long-Term Orientation. In Enhancing Knowledge Development in Marketing, edited by R. B.Money and R. L.Rose, vol. 14, pp. 202203. Chicago: American Marketing Association.
  • Bethell, Thomas. 2005. Social Security: What’s the Big Idea? AARP Bulletin. http://www.aarp.org/bulletin/socialsec/ss_ideas.html.
  • Boyles, Salynn. 2006. Americans Living Longer than Ever. WebMD. http://www.webmd.com/news/20061017/americans-living-longer-than-ever.
  • Calio, Vince. 2006. Strategists: Don’t Cook the DB Goose; ‘Bad Defined Benefit Plan Is Better than a Good DC Plan.’ Pension and Investments, June 26, 1.
  • Carver, Charles S. and Michael F. Scheier. 1981. Attention and Self-Regulation: A Control-Theory Approach to Human Behavior. New York: Springer-Verlag.
  • CBS News. 2005. The Echo Boomers, September 2005. http://www.cbsnews.com/stories/2004/10/01/60minutes/main646890.shtml.
  • Crutsinger, Martin. 2007. Personal Savings Slump in US: The Advertiser, February 3, (State): 85.
  • Financial Literacy and Education Commission. 2006. Taking Ownership of the Future: The National Strategy for Financial Literacy. Washington, DC: Financial Literacy and Education Commission.
  • Fox, Jonathan, Suzanne Bartholomae, and Jinkook Lee. 2005. Building the Case for Financial Education. Journal of Consumer Affairs, 39 (1): 195214.
  • Gailliot, Matthew T., E. Ashby Plant, David A. Butz, and Roy F. Baumeister. 2007. Increasing Self-Regulatory Strength Can Reduce the Depleting Effect of Suppressing Stereotypes. Personality and Social Psychology Bulletin, 33 (2): 281.
  • Govorun, Olesya and B. Keith Payne. 2006. Ego-Depletion and Prejudice: Separating Automatic and Controlled Components. Social Cognition, 24 (2): 111137.
  • Hilgert, Marianne A., Jeanne M. Hogarth, and Sondra Beverly. 2003. Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 89 (7): 309322.
  • Hofmann, Wilhelm, Wolfgang Rauch, and Bertram Gawronski. 2007. And Deplete Us Not into Temptation: Automatic Attitudes, Dietary Restraint, and Self-Regulatory Resources as Determinants of Eating Behavior. Experimental Social Psychology, 43 (3): 497.
  • Investment News. 2007. Convincing Consumer That They Need Help. January 8, 10.
  • Joireman, Jeff, David Sprott, and Eric Spangenberg. 2005. Fiscal Responsibility and the Consideration of Future Consequences. Personality and Individual Differences, 39 (32): 11591168.
  • Joireman, Jeff, Alan Strathman, and Daniel Balliet. 2006. Considering Future Consequences: An Integrative Model. In Judgments Over Time: The Interplay of Thoughts, Feelings, and Behaviors, edited by Lawrence J.Sanna and Edward C.Chang (8299). Oxford: Oxford University Press.
  • Kiplinger, Knight. 2007. Can We Afford to Grow Old? Kiplinger.com.
  • Kirby, K.N., Nancy M. Petry, Warren K. Bickel. 1999. Heroin Addicts Have Higher Discount Rates for Delayed Rewards than Non-drug-Using Controls. Journal of Experimental Psychology: General, 128: 7887.
  • Kozup, John, Elizabeth Howlett, and Michael Pagano. 2008. The Effects of Summary Information on Consumer Perceptions of Mutual Fund Characteristics. Journal of Consumer Affairs, 42 (1): 3759.
  • Lasane, Terell P. and James M. Jones. (2000). When Socially Induced Temporal Myopia Interferes with Academic Goal-setting. Journal of Social Behavior and Personality, 15 (5): 7586.
  • Lim, Paul. 2006. Youth Is Wasted on the Generation Y Investor. The New York Times, Section 3, May 19, 5.
  • Loewenstein, G., and D. Prelec. 1992. Choices Over Time. New York: Russell Sage Foundation.
  • Loewenstein, George, Daniel Read, and Roy F. Baumeister. 2003. Time and Decision: Economic and Psychological Perspectives on Intertemporal Choice. New York: Russell Sage Foundation.
  • Lusardi, Annamaria and Olivia S. Mitchell. 2007. Financial Literacy and Retirement Preparedness: Evidence and Implication for Financial Education Programs. Pension Research Council Working Paper, Wharton School.
  • Muraven, Mark and Ray Baumeister. 2000. Self-Regulation and Depletion of Limited Resources: Does Self-Control Resemble a Muscle? Psychological Bulletin 126 (2): 247256.
  • Muraven, M., R. L. Collins, and K. Neinhaus. 2002. Self-Control and Alcohol Restraint: An Initial Application of the Self-Control Strength Model. Psychology of Addictive Behaviors, 16 (2): 113120.
  • Mymoney.gov. 2007. U.S. Financial Literacy Education Commission. http://www.mymoney.gov/retirement.shtml.
  • Obringer, Lee Ann. 2007. How 401(k) Plans Work. http://money.howstuffworks.com/401k.htm.
  • Orbell, S., M. Perugini, and T. Rakow. 2004. Individual Differences in Sensitivity to Health Communication: Consideration of Future Consequences. Health Psychology, 23 (4): 388396.
  • Perry, Vanessa and Marlene D. Morris. 2005. Who Is in Control? The Role of Self-Perception, Knowledge and Income in Explaining Consumer Financial Behavior. Journal of Consumer Affairs, 39 (1): 299313.
  • Peterson, Jonathan. 2007. Bill Seeks to Shed Light on 401(k)s. Los Angeles Times. http://www.latimes.com/business/la-fi-retire5oct05,1,2214412.story?coll=la-headlines-business.
  • Sharp, Tim. 2007. Schroders Says Too Many Investors Sitting on their Hands. Reuters. http://investing.reuters.co.uk/news/articleinvesting.aspx?type=pensionsNews&storyID=2007-10-16T102347Z_01_NOA637299_RTRUKOC_0_CITYWIRE-SCHRODERS-INVESTORS.xml.
  • Strathman, A., Faith Gleicher, David Boninger, and C.S. Edwards. 1994. The Consideration of Future Consequences: Weighing Immediate and Distant Outcomes of Behavior. Journal of Personality and Social Psychology, 66 (4): 742766.
  • U.S. Social Security Administration. 2007. Monthly Statistical Snapshot. August. http://www.ssa.gov/policy/docs/quickfacts/stat_snapshot.
  • Verplanken, Bas and Astrid Herabadi. 2001. Individual Differences in Impulse Buying Tendency: Feeling and No Thinking. European Journal of Personality, 15 (1): 7183.
  • Vohs, Kathleen D. 2006. Self-Regulatory Resources Power the Reflective System: Evidence From Five Domains. Journal of Consumer Psychology, 16 (3): 215221.
  • Vohs, Kathleen and Ronald Faber. 2007. Spent Resources: Self-Regulatory Resource Availability Affects Impulse Buying. Journal of Consumer Research, 33 (March): 537547.
  • Vohs, Kathleen and T.F. Heatherton. 2000. Self-Regulatory Failure: A Resource Depletion Approach. Psychological Science, 11 (April): 249254.
    Direct Link:
  • Wyss, David. 2007. U.S. Savings Rate Hits Lowest Level since 1933. http://www.msnbc.msn.com/id/11098797.
  • Wong, Alan and Bernardo J. Carducci. 1991. Sensation Seeking and Financial Risk-taking in Everyday Money Matters. Journal of Business and Psychology, 5 (June): 525530.
  • Zimbardo, Philip and John Boyd. 1999. Putting Time in Perspective: A Valid, Reliable Individual Difference Metric. Journal of Personality and Social Psychology, 77 (2): 12711288.
  • Zuckerman, Marvin. 1994. Behavioral Expressions and Biosocial Bases of Sensation-Seeking. Cambridge: Cambridge University Press.