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David Laibson
Harvard University
FinanceBusinessActuarial scienceEconomicsMicroeconomics
202Publications
61H-index
21.7kCitations
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Publications 200
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#1John BeshearsH-Index: 18
#2James J. ChoiH-Index: 32
Last. Jung SakongH-Index: 2
view all 6 authors...
1 Citations
#1Jonathan P. Beauchamp (GMU: George Mason University)H-Index: 15
#2Daniel J. Benjamin (SC: University of Southern California)H-Index: 27
Last. Christopher F. Chabris (GHS: Geisinger Health System)H-Index: 41
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The compromise effect arises when being close to the “middle” of a choice set makes an option more appealing. The compromise effect poses conceptual and practical problems for economic research: by influencing choices, it can bias researchers’ inferences about preference parameters. To study this bias, we conduct an experiment with 550 participants who made choices over lotteries from multiple price lists (MPLs). Following prior work, we manipulate the compromise effect to influence choices by v...
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#1John BeshearsH-Index: 18
#2James J. ChoiH-Index: 32
Last. Brigitte C. MadrianH-Index: 41
view all 6 authors...
#1Daniel J. Benjamin (SC: University of Southern California)H-Index: 27
#2David Laibson (Harvard University)H-Index: 61
Last. Nicole L. Wilson (UW: University of Washington)H-Index: 7
view all 7 authors...
Abstract How well do pre-school delay of gratification and life-course measures of self-regulation predict mid-life capital formation? We surveyed 113 participants of the 1967–1973 Bing pre-school studies on delay of gratification when they were in their late 40’s. They reported 11 mid-life capital formation outcomes, including net worth, permanent income, absence of high-interest debt, forward-looking behaviors, and educational attainment. To address multiple hypothesis testing and our small sa...
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#1Patrick Turley (Broad Institute)H-Index: 13
#2Raymond K. Walters (Broad Institute)H-Index: 20
Last. Daniel J. Benjamin (SC: University of Southern California)H-Index: 27
view all 18 authors...
In the version of the paper initially published, no competing interests were declared. The ‘Competing interests’ statement should have stated that B.M.N. is on the Scientific Advisory Board of Deep Genomics. The error has been corrected in the HTML and PDF versions of the article.
Source
Does automatic enrollment into a retirement plan increase borrowing outside the plan? We study a natural experiment created when the U.S. Army began automatically enrolling newly hired civilian employees into the Thrift Savings Plan. Four years after hire, automatic enrollment causes no significant change in credit scores (point estimate 0.001 standard deviations) or debt balances excluding auto loans and first mortgages (point estimate -0.6% of annual salary). We also find no significant increa...
3 CitationsSource
#1Richard Karlsson Linnér (VU: VU University Amsterdam)H-Index: 7
#2Pietro Biroli (UZH: University of Zurich)H-Index: 5
Last. Jonathan P. Beauchamp (U of T: University of Toronto)H-Index: 15
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Humans vary substantially in their willingness to take risks. In a combined sample of over one million individuals, we conducted genome-wide association studies (GWAS) of general risk tolerance, adventurousness, and risky behaviors in the driving, drinking, smoking, and sexual domains. We identified 611 approximately independent genetic loci associated with at least one of our phenotypes, including 124 with general risk tolerance. We report evidence of substantial shared genetic influences acros...
24 CitationsSource
#1John Beshears (Harvard University)H-Index: 18
#2James J. Choi (Yale University)H-Index: 32
Last. Brigitte C. Madrian (BYU: Brigham Young University)H-Index: 41
view all 4 authors...
Abstract Home-delivered prescriptions have no delivery charge and lower copayments than prescriptions picked up at a pharmacy. Nevertheless, when home delivery is offered on an opt-in basis, the take-up rate is only 6%. We study a program that makes active choice of either home delivery or pharmacy pick-up a requirement for insurance eligibility. The program introduces an implicit default for those who don’t make an active choice: pharmacy pick-up without insurance subsidies. Under this program,...
1 CitationsSource
Last. David LaibsonH-Index: 61
view all 3 authors...
#2Pietro BiroliH-Index: 5
Last. Jonathan P. BeauchampH-Index: 15
view all 388 authors...
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