Getting to the Top of Mind: How Reminders Increase Saving

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dc.creatorKarlan, Dean S.
dc.creatorMcConnell, Margaret
dc.creatorMullainathan, Sendhil
dc.creatorZinman, Jonathan
dc.date2017-04-01T18:11:35Z
dc.date.accessioned2026-07-09T05:16:07Z
dc.descriptionWe develop and test a simple model of limited attention in intertemporal choice. The model posits that individuals fully attend to consumption in all periods but fail to attend to some future lumpy expenditure opportunities. This asymmetry generates some predictions that overlap with models of present-bias. Our model also generates the unique predictions that reminders may increase saving, and that reminders will be more effective when they increase the salience of a specific expenditure. We find support for these predictions in three field experiments that randomly assign reminders to new savings account holders.
dc.identifierdoi:10.22004/ag.econ.92001
dc.identifierhttps://ageconsearch.umn.edu/record/92001/files/cdp988.pdf
dc.identifierhttp://ageconsearch.umn.edu/record/92001
dc.identifier.urihttp://hdl.handle.net/123456789/561316
dc.languageeng
dc.publisher
dc.sourcehttp://ageconsearch.umn.edu/record/92001
dc.titleGetting to the Top of Mind: How Reminders Increase Saving
dc.typeText

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University of Minnesota