Annamaria Lusardi
@Dr_AnnaLusardi
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@Stanford 's @SIEPR & @StanfordGSB . Previously, University Professor at @GWtweets & Prof. at @Dartmouth . Working on finlit & personal finance. Founder of GFLEC
Stanford, CA
Joined September 2011
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Met
@GitaGopinath
at the Singapore airport, an amazing economist and person, not just a role model for us academics but a visionary leader. So proud of what a
@Princeton
alumna and friend from graduate school has accomplished!
#womenchangingtheworld
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A new chapter at
@Stanford
!
I am delighted to announce that I am joining Stanford University. Starting September 1, I am a Senior Fellow at
@SIEPR
and a Professor of Finance (by courtesy) at
@StanfordGSB
.
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La Madre dell'Istruzione. "Apriro' aule ovunque anche in clandestinita'. Non saremo sconfitte." Il potere dell'istruzione, il coraggio delle donne.
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Some personal news: I have been named University Professor of Economics and Accountancy at
@GWtweets
! I am very happy. I I will keep working to advance the fields of
#financialliteracy
&
#personalfinance
. Here's the announcement:
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A foto in front of the Stanford Institute for Economic Policy Research (SIEPR). I love my new office there.
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Please join us in welcoming SIEPR's newest Senior Fellow,
@Dr_AnnaLusardi
. A world-renowned expert on financial literacy, Annamaria is a pioneer of personal finance education w/ more than 59k Google Scholar citations. Welcome to
@Stanford
, Dr. Lusardi!
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Never, never underestimate how impactful you can be for your students, you can truly transform their life.
Albert Camus’ letter to his teacher after winning Nobel Prize for Literature is a heartbreaker.
#WorldTeachersDay
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I am honored to receive the Economic Research Foundation 2023 Research Award for my work on
#finlit
& personal finance. This recognition was presented by the Economic Research Foundation in Sundsvall & the The Centre for Research on Economic Relations at Mid Sweden University.
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Very happy to teach Personal Finance again this semester. I have started teaching this course in 2013 and now I extended the course to honors students, other undergraduate students, and graduate students as well. This course is unique in the following ways:
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The celebrations continue! Toasting with my team for
@the_maiawards
for Best Academic Paper. Very happy that “Financial Education Affects Financial Knowledge and Downstream Behaviors,” forthcoming in
@J_Fin_Economics
, won this award.
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Only about half of Americans grasp the concepts behind managing debt, saving for retirement or insuring against major risks…This is the knowledge needed for savvy financial decision-making. Read my
@CNBC
op-ed.
#GFLEC
#PFinIndex
#InvestInYou
@acorns
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L'educazione finanziaria serve anche per avere una migliore democrazia.
Gran parte delle idee sballate sulle pensioni dipendono dal non avere la più pallida idea di come funzioni il nostro sistema pensionistico. Disconoscere per delirare.
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How Swiss kids manage their pocket money. Pocket money can be an important aspect of financial education
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Elated to hear that I was mentioned in the list of potential candidates to be President of Italy, not because I have a chance but because it was a list of women selected according to competence and talent.
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#financialliteracy
is as necessary as reading, writing and arithmetic. I could not agree more, I kept saying this line since I started doing research on this topic.
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Should schools teach mortgages, credit cards and financial literacy? YES.
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Financial education should be part of the recovery from the COVID-19 recession. This is why.
My article for
@Forbes
about the importance and effectiveness of
#financialeducation
.
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So excited to start teaching a personal finance course this term with Michael Boskin (and guest lectures by John Shoven) from
@StanfordEcon
. Economics 43: Introduction to Financial Decision-Making is open to all undergraduates at
@Stanford
, and we've filled a big auditorium!
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My first week at
@Stanford
has been remarkable! I enjoyed walking across its beautiful campus, learning more about its history, and connecting with my new colleagues at
@SIEPR
,
@StanfordGSB
and
@StanfordEcon
. Thank you for the warm welcome!
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Just realized, as was formatting the last version of a paper for publication, that
#financialliteracy
has become a new code in JEL classification system: G53 Financial Literacy. Great, now that it is recognized as a field, we can even start teaching it!
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The new paper on financial literacy, which is joint work with
@OS_Mitchell
, is now also a
@cepr_org
Discussion Paper. In this work, we provide some new evidence on
#finlit
and, in particular, knowledge of inflation, and summarize some of our research in the past 20 years.
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Very happy that our new paper is out in
@nberpubs
. It describes our work in the past 20 years but also ideas for future research. This is part of a paper we are writing for the Journal of Economic Perspectives.
An assessment of over two decades of research on financial literacy, documenting its importance for academics, teaching and programs, from
@ITAedufin
and
@OS_Mitchell
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I spent the day at
@Harvard
& gave a lecture in the Personal Finance class of John Campbell. I am so excited that Harvard is offering such a course to its students & that John is teaching this course. Here we are at the faculty club & together with Howell Jackson of
@Harvard_Law
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It is time to teach financial literacy to all students and those most in need!
Financial literacy isn't being taught to those most in need,
@sharon_epperson
explains. Only 4% of low-income students are required to take personal finance courses.
#investinyou
(in partnership with
@acorns
.)
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I’m happy to share my new website. I have posted there all of my papers (publications and work in progress), presentations & reports. I also posted my teaching, media articles & more. It took a while to build it, but I hope it can provide useful resources:
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#econtwitter
My new paper with
@OS_Mitchell
is out as an
@nberpubs
working paper. We cover more than 20 years of research on financial literacy, building on our empirical and theoretical work casting financial knowledge as a form of investment in human capital.
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We are happy to announce the start of a Financial Literacy Colloquia at
@Stanford
. The colloquia aim to serve as a laboratory of ideas and a venue for exchanging new findings, works in progress, and a vision for where the field is headed.
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Remembering Danny Kahneman today. RIP and thank you.
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Happy that my paper "Financial literacy and the need for financial education: Evidence and implications," which was written as a keynote address to the Swiss Society of Economics and Statistics is forthcoming in the Swiss Journal of Economics & Statistics
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Why so many teens are clueless about money. They need financial knowledge now more than ever
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Back to basics: More universities offering financial education
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Economics should become a core part of the school curriculum to raise financial literacy and help the public to engage better as citizens, according to the Bank of England’s chief economist
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I have posted the lecture I gave in the Personal Finance course of John Campbell at
@Harvard
. I discussed how we can use research and data to make financial education programs more effective.
Link:
Here is a short summary:
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House Bill 132 will require Kentucky high school students to pass a financial literacy course before graduating. Well done Kentucky!
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Why Financial Literacy In Higher Education Is A Top Future-Ready Skill
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Financial literacy education at orientation would help alleviate future stress. I like this idea but I also think we need to teach a personal finance course in college.
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A room with a view. From my house in New Hampshire.
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Financial literacy must be an indispensable part of education
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I'm delighted to share that I have been named a Highly Cited Researcher 2022 . Each year
@ClarivateAG
identifies the world’s most influential researchers ─ those who have been most frequently cited by their peers over the last decade.
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This is one of the best fotos I have taken today of the cherry blossom. Not bad, yes? 😁
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As the year comes to a close, I want to celebrate a project I am particularly proud of : the new Journal of Financial Literacy and Wellbeing, published by
@CambridgeUP
. I am the co-editor together with
@floreannemessy
, from the
@OECD
.
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Millenials financial literacy is “alarming” says university professor (that would be me...)
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I recommend financial literacy in high school and college. Ignorance and 1.4 trillion dollars of student loans is an explosive combination. And here are additional reasons to worry about student loans
"With student debt now reaching $1.4 trillion, many are rightly worried about what will happen if it cannot be repaid."
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Even behavorial economists, nothwistanding their skepticism of financial education mentioned at least 3 times in the introduction of this paper, find that financial education works! The evidence is there and it is time to be less skeptical
#FinEdworks
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Financial literacy is significant indicator of positive future financial outcomes and behaviors - Varying levels of financial knowledge among Americans may deepen inequality. Our new paper!
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Financial Wellness: The New Must-Have Employee Benefit.
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Unfortunately, not all parents have a high level of financial literacy. According to our research, financial literacy is low not only among the young, but also in the general population. This is why we need financial education in school.
Or better yet parents can teach them how to do these things as an example of what they are (should be) doing.
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The state of Iowa just mandated that schools offer financial literacy starting next year! Way to go Iowa! Learn more about their initiative at:
#FinEdWorks
#Finlit
#progress
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Got my second shot today. Thank you GW Medical Center and DC for this opportunity, I feel very fortunate to be fully vaccinated.
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NFL player who saves nearly 90% of his income teaches a money class at Penn . Good news, we need advocates for personal finance in college!
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This is how my neighborhood looks like today, stores are boarded-up. Sigh...
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It’s time for colleges to require mandated financial literacy courses. My post for CNBC where I discuss the new FLEC report. Proud to be a member of
@CNBC
's Financial Wellness Advisory Council
#InvestinYou
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We are getting ready for the Personal Finance course that I will be teaching in the Spring at
@Stanford
with Michael Boskin & John Shoven. I am working with a great team of students to make the course even more innovative. But do students like these courses, are they popular?
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Arizona high school students have to take financial literacy as part of their economics class beginning this school year. It is a requirement for graduation. Good news!
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The Importance of Teaching Your Kids About Money. It is never too early to talk to your children about money.
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Financial literacy is not just investing in the stock market, it is about getting the foundation to make financial decisions. It is best to be done in school to guarantee rigor and to reach all young people. We do not ask people to learn to read and write by themselves.
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I have posted the State of the Art Lecture I gave to the Canadian Economics Association. It is an overview of my research on financial literacy and personal finance. Thanks to the conference organizers for the invitation.
The presentation is posted here:
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Financial literacy and financial education can change lives
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Ontario schools will now teach first graders financial literacy and coding to better prepare students for jobs of the future.
Way to go Ontario!
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Showing off the new Journal of Financial Literacy and Wellbeing with Kim Huynh from the Bank of Canada
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Financial literacy brings awards! So happy about the prizes we got this year for our research on financial literacy. Many thanks to my fantastic set of co-authors:
@OS_Mitchell
@carly_urban
@tim_econ
@LeoraKlapper
Lukas Menkhoff
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So true!
"When you teach financial literacy, you help not only an individual but a family and community."
#FinancialLiteracy
#PersonalFinance
#NASTDC
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Very much enjoyed spending the day at
@Wharton
today and working with
@OS_Mitchell
. Thanks Olivia!
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Why people who earn a lot of money still can’t pay the bills. Financial literacy has a lot to do with this behavior, according to our research.
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Why Entrepreneurs Must Invest in Better Financial Literacy.
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Starting next year, all Brazilian schools will be required to include financial education in their curriculum. Way to go Brazil!
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A woman makes history today
BREAKING: Kamala Harris will make history as the first female, first Black and first Asian American to be U.S. vice president-elect.
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I got the printed copy of the new book Remaking retirement. The cover is fantastic, don't you think? Thanks to
@OS_Mitchell
, an amazing co-author who is able to make hard projects look easy and is behind the great articles we collected in this volume.
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Un grande onore essere in questa lista del
@Corriere
, che cita anche il mio lavoro come direttore di
@ITAedufin
. Mi piace essere tra le pioniere, creative, influencer, rivoluzionarie, resilienti, anticonformiste di tutto il mondo. Un brindisi per
#finedu
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Student loans. Buying a home. Taking a dream vacation. Raising kids. Starting a business. Caring for an aging parent. Saving for retirement. This is why we all need financial literacy. And women are particularly likely to benefit from financial knowledge.
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In my keynote at the International Conference on “Financial Literacy and Education in Cyprus: Challenges, Lessons from Other Countries and the Way Forward,” I advocated for adding financial literacy to the national statistics.
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Financial Literacy Is Becoming a Requirement in Schools. It is about time!
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This is priceless. I will do it too in my (online) classes!
If the
@WhiteHouse
press room didn’t know
#BlackChurch
protocol, they do now!
#GoodAfternoon
! cc:
@mlfudge
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The world’s most valuable resource is no longer oil, but data AND KNOWLEDGE
The world’s most valuable resource is no longer oil, but data
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Great meeting David Card at the
@festinteconomia
, one of the best professors and mentors I had at
@Princeton
. In my cohort, we were all students of David 🙏
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You Can Read And Write, But How's Your Financial Literacy?
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The
@WSJ
asked me what is the biggest personal finance lesson from the 2020 crisis. Here is my reply, using data from the
#PFinIndex
. Read this and other top personal finance lessons from 2020 here:
#PFinIndex
@TIAAInstitute
#GFLEC
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"Young adults who received fin education are acting in accordance with their priorities: 48% of the young adults who had financial education have a retirement savings account, compared with only 30% of young adults who did not have financial education"
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This is the definition of
#financialliteracy
used by the
@OECD
in its new report; it includes knowledge, attitudes and behaviors. Also, there is a special attention to
#financialresilience
and financial well-being. A must read:
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It is time to make financial literacy a top priority.
Why financial literacy should be taught in U.S. schools alongside reading and math.
@karenmpd
's
#MondayConversation
w/
@A_Lusardi
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Very happy to be at
@Harvard
today and looking forward to a full day of meetings, including teaching!
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Brandon Copeland, a linebacker with the New York Jets and a financial literacy professor at The Wharton School of the University of Pennsylvania, discusses the importance of financial literacy. One more reason to love football and
#financialliteracy
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Here is a meta-analysis of 126 impact evaluation studies that shows that financial education significantly impacts both financial behavior and financial literacy. It also shows it is very important to know about the quality of the programs.
#FinEdworks
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Very happy that my paper: Financial literacy and financial resilience: Evidence from around the world, with Leora Klapper, is one of the top downloaded papers in Financial Management. We built a webpage describing that big project:
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During orientation at
@Stanford
, I met new faculty & the university's administration, toured the campus, & learned more about different schools and departments. Undoubtedly, this is a place of innovation & forward-thinking. It is so exciting—it feels like the 1st days of school!
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Does financial education works? Here is the answer according to a paper examining a new financial education course at the University of Cyprus by
@A_Milidonis
et sl.
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Year in review. Very happy and proud of the 4 prizes we got for our research work:
1. The Pearson Award for the Best Paper Published in Financial Management ("Financial Literacy and Financial Resilience: Evidence from Around the World," more info here: )
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