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The Role of Financial Literacy in Determining Retirement Plans
National Bureau of Economic Research [NBER] 
Dec. 21, 2010
Excerpt: Controlling for basic demographics and wealth, we find that misconceptions about eligibility ages and plan generosity influence workers' expected age of retirement. Although retirement-related decisions will affect workers' wellbeing for the remainder of their lifetimes, many do not possess enough basic financial knowledge to confidently make optimal choices.
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