MyMoneyPlus - A Community-Based Pilot for the Development of Digital Tools for Money Management and Retirement Planning

Last registered on March 31, 2026
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Pre-Trial

Trial Information

General Information

Title
MyMoneyPlus - A Community-Based Pilot for the Development of Digital Tools for Money Management and Retirement Planning
RCT ID
AEARCTR-0018199
Initial registration date
March 24, 2026

Initial registration date is when the trial was registered.

It corresponds to when the registration was submitted to the Registry to be reviewed for publication.

First published
March 31, 2026, 9:42 AM EDT

First published corresponds to when the trial was first made public on the Registry after being reviewed.

Locations

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Primary Investigator

Name
Angelino Viceisza
Affiliation
Spelman College
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Other Primary Investigator(s)

PI Name
Luisa Blanco
PI Affiliation
Pepperdine University
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Additional Trial Information

Status
In development
Start date
2026-04-01
End date
2027-12-31
Keywords
Behavior, Finance & Microfinance, Labor, Other
Additional Keywords
Household finance, retirement, money management, financial education, financial literacy, race and ethnicity, field experiment, digital technologies, text message, mobile delivered, online learning
JEL code(s)
D14, G23, G53, G51, J15, J26
Secondary IDs
Prior work
This trial is based on or builds upon one or more prior RCTs.
Abstract
This project’s primary goal is to pilot a digital outreach program intended to improve money management and retirement preparedness skills among low to moderate income workers.
External Link(s)

Registration Citation

Citation
Blanco, Luisa and Angelino Viceisza. 2026. "MyMoneyPlus - A Community-Based Pilot for the Development of Digital Tools for Money Management and Retirement Planning." AEA RCT Registry. March 31. https://doi.org/10.1257/rct.18199-1.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
The intervention will last for eight weeks. Participants will complete one baseline and one follow-up survey. The treatment will include information on money beliefs, budgeting, precautionary versus emergency savings, retirement savings, and potentially, other relevant topics.
Intervention Start Date
2026-04-01
Intervention End Date
2026-12-31

Primary Outcomes

Primary Outcomes (end points)
1. Stages of behavior change, including for different types of account ownership (e.g., general savings, retirement savings, checking accounts) and discussions with a financial advisor

2. Financial capability measures such as creating budgets, having automatic savings, spending less than income, having precautionary savings, being able to deal with emergencies/shocks, and managing debt
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
Given the anticipated relatively limited sample size, we will randomize eligible participants into a treatment or a control group. We will implement a waitlist control group that will receive the treatment after both groups complete the follow up survey.
Experimental Design Details
Not available
Randomization Method
Randomization will be done by the PI.
Randomization Unit
Individual
Was the treatment clustered?
No

Experiment Characteristics

Sample size: planned number of clusters
1
Sample size: planned number of observations
Since this is a pilot on a limited budget, we will be aiming for a minimum of 150 people.
Sample size (or number of clusters) by treatment arms
A minimum of 75 people in treatment and 75 people in control.
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
Supporting Documents and Materials
IRB

Institutional Review Boards (IRBs)

IRB Name
Pepperdine University
IRB Approval Date
2026-02-16
IRB Approval Number
24-09-2483
IRB Name
Spelman College
IRB Approval Date
2026-03-04
IRB Approval Number
IRB-FY25-26-34
IRB Name
NBER
IRB Approval Date
2025-12-15
IRB Approval Number
25_217
Analysis Plan