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A Credit Card to Borrow from Your Future? Can Access to Credit Encourage Savings?
The Washington Post; subscription may be required 
Oct. 25, 2004
Excerpt: For a quarter-century, a Boston inventor has been obsessed with ... an innovation that would give millions of ... workers the chance to borrow their own money from their 401(k) savings plans using a new kind of credit card. In 1980 the inventor, ... Francis Vitagliano, shared his concept with ... Franco Modigliani. The ... economist had been writing for 20 years about his theory of how and when people spend and save money during their lifetime, the so-called Life-Cycle Hypothesis.
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