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How Americans Manage their Finances

The Center for Economic and Social Research at the University of Southern California is conducting research supported by the Society of Actuaries and the Social Security Administration on Americans’ financial decision-making.


The 2015 new study “How Americans Manage their Finances” provides insights into financial management and at all ages. The study provides insights into use of financial products, debt, financial stresses, and planning for the future by age group. The study analyses data from CESR’s Understanding Americans Study (UAS) panel, and complements the Society of Actuaries’s own post-retirement risk survey series.

Key highlights from the paper can be found in the The Conference Board Human Capital Exchange Blog post:

New insights on the finances of Americans support need for financial wellness programs.

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