Bruhn, Miriam, Luciana de Souza Leao, Arianna Legovini, Rogelio Marchetti, and Bilal Zia. 2013.

“Financial Education and Behavior Formation: Large-Scale Experimental Evidence from Brazil.” World Bank Working Paper, Washington, DC.

Bucher-Koenen, Tabea, and Annamaria Lusardi. 2011. “Financial literacy and retirement planning in Germany.” _Journal of Pension Economics and Finance_ 10(4): 565-584.

Burhouse, Susan E., Angelisa M. Harris, and Luke W. Reynolds. 2007. “Banking on Financial Education.” FDIC Quarterly: Federal Deposit Insurance Corporation.

Butt, Nicole, Stephen J. Haessler, Mark C. Schug. 2008. “Incentives-Based Approach to Implementing Financial Fitness for Life in the Milwaukee Public Schools.” _Journal of Private Enterprise_ 24(1): 165-173.

Cai, Jing, Alain De Janvry, and Elisabeth Sadoulet. 2013. “Social Networks and the Decision to Insure.” Available on SSRN.

Calderon, Gabriela, Jesse M. Cunha, and Giacomo De Giorgi. 2013. “Business Literacy and Development: Evidence from a Randomized Trial in Rural Mexico.” Available on SSRN.

Calderone, Margherita, Florentina Mulaj, Satadarshan Sadhu, and Leopold Sarr. 2013. “Does Financial Education Affect Savings Behavior? Evidence from a Randomized Experiment among Low Income Clients of Branchless Banking in India.” Working paper.+ Carlin, Bruice Ian, and David T. Robinson. 2010. “What Does Financial Literacy Training Teach Us?” NBER Working Paper 16271, National Bureau of Economic Research, Cambridge, MA.

Carpena, Fenella, Shawn Cole, Jeremy Shapiro, and Bilal Zia. 2011. “Unpacking the Causal Chain of Financial Literacy.” World Bank Working Paper 5798, Washington, DC.

Carswell, A.T. 2009. “Does Housing Counseling Change Consumer Financial Behaviors? Evidence from Philadelphia. _Journal of Family and Economic Issues_ 30: 339-356.

Chang, Yunhee and Angela Lyons. 2007. “Are Financial Education Programs Meeting the Needs of Financially Disadvantaged Consumers?” Networks Financial Institute Working Paper, Indiana State University.

Chatterjee, Swarn, Leslie Green-Pimentel, and Pamela Turner. 2010. “Financial Education and Consumer’s Willingness to Change Behavior.” _Investment Management and Financial Innovations_ 7(3): 73-81.

Choi, James J., David Laibson, Brigitte C. Madrian. 2005. “Are Empowerment and Education Enough? Underdiversification in 401(k) Plans.” _Brookings Papers on Economic Activity_ , 2, 151-214.

Choi, James J., David Laibson, Brigitte C. Madrian. 2010. “Why Does the Law of One Price Fail? An Experiment on Index Mutual Funds.” _The Review of Financial Studies_ 23(4): 1405-1432.

Choi, James J., David Laibson, Brigitte C. Madrian, and Andrew Metrick. 2001. “Saving for Retirement on the Path of Least Resistance.” Prepared for Tax Policy and the Economy 2001.

Clancy, Margaret, Michal Grinstein-Weiss, and Mark Schreiner. 2001. “Financial Education and Savings Outcomes in Individual Development Accounts.” Washington University in St. Louis Center for Social Development, St. Louis, MO.

Clark, Robert L. 2004, “Sex Differences, Financial Education, and Retirement Goals.” _Pension Design and Structure: New Lessons from Behavioral Finance_ .

Clark, Robert L. and Sylvester J. Schieber. 1998. “Factors Affecting Participation Rates and Contribution Levels in 401(k) Plans.” _Living with Defined Contribution Pensions: Remaking Responsibility for_ 30