Recent Publications

Occupational licensing has negative wage and labor supply effects on other occupations. The negative effects are particularly strong …
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The tax credits in the Affordable Care Act substantially reduce bankruptcy, and severely delinquent debt. Welfare gains for protection …
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We explore how seniors’ debt balances and credit worthiness respond to equity extraction through reverse mortgages and compare it …
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Working Papers

Union membership raises the wages of younger workers but protects older workers from layoffs better. The marginal union member makes …
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Workers exhibit reference-dependent labor supply around expectations. Their expectations are based upon optimizing long-run objectives …
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Revisions requested at The Economic Journal. Labor market concentration within task clusters is lower than other measures. Higher …
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Labor market competition leads to higher real worker earnings, lower firm productivity, firm closer, greater inequality, population …
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SNAP work requirements for Able-Bodied Adults Without Dependents (ABAWDs) significantly increased credit seeking, credit balances, and …
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Union density mitigates the negative earnings effects of employer market concentration. Unionization benefits white collar and …
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Union membership has become relatively more focused on non-routine, cognitive skills over time in the US. We contextualize this in a …
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The federal government spent over $360 billion from 1990-2015 on place-based policies. Areas with more disadvantage, more segregation, …
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We explore how seniors’ home equity borrowing responds to house price changes during times of tight vs loose underwriting. We …
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Perceptions of housing affordability among young adults are more strongly determined by individual financial circumstances than by …
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Non Peer Reviewed Publications and Policy Briefs

Consumption responses to relative deprivation are a complex function of costs.
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