J15 — Economics of Minorities and Races; J71 — Discrimination; D91 — Micro-Based Behavioral

Economics; K38 — Other Substantive Areas of Law; Z12 — Religion; C93; D91; D72

C91 — Laboratory, Individual Behavior D91 — Intertemporal Household Choice; Life Cycle Models

and Saving G51 — Household Saving, Borrowing, Debt, and Wealth

risk perception; loss aversion; framing effect; feedback; financial decision-making; household debt

; behavioral economics; laboratory experiment; robustness check

D1, D6, H2, O2, Q4

A22 (Economic Education and Teaching of Economics)

Provision and Effects of Welfare Programs, Education and Inequality, Public Policy

Primary: I12 (Health Behavior); I15 (Health and Economic Development); I18 (Health: Government

(Consumer Economics: Empirical Analysis); C93 (Field Experiments); Q12 (Micro Analysis of Farm Firms / Agricultural Markets); J13 (Youth)

C93 (Field Experiments); D91 (Behavioral); Z13 (Cultural Economics)

J21: Labor Force and Employment, Size, and Structure; J22: Time Allocation and Labor Supply; J16: Economics of Gender