he analysis and conclusions expressed in this paper are the ones regarding the writer and never fundamentally mirror the views of this Board of Governors of this Federal Reserve System, its people, or its staff

he analysis and conclusions expressed in this paper are the ones regarding the writer and never fundamentally mirror the views of this Board of Governors of this Federal Reserve System, its people, or its staff

We thank the editor, Robert DeYoung, an referee that is anonymous Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful remarks, along with seminar participants during the Wharton class, the GW/FRB/GFLEC Financial Literacy Seminar additionally the Consumer Expenditure Survey Microdata Workshop. I’m grateful to Jimmy Lee, Ryan Pfirrmann‐Powell, Geoffrey Paulin, Arcenis Rojas, yet others within the Division regarding the Consumer Expenditure Survey in http://www.title-max.com/installment-loans-az the Bureau of Labor Statistics for support accessing the Consumer that is confidential Expenditure files, and I also have always been grateful to Paul Amos of this Wharton GIS lab for help with GIS. […]

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