Mitchell, Olivia SSmetters, Kent2023-05-232023-05-232012-08-012019-06-27https://repository.upenn.edu/handle/20.500.14332/43555All findings, interpretations, and conclusions of this paper represent the views of the authors and not those of the Wharton School or the Pension Research Council. © 2012 Pension Research Council of the Wharton School of the University of Pennsylvania. All rights reserved.EconomicsWorking Paper