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- W2884070741 abstract "Saving is essential to the health of economies and households, yet relatively little scholarship investigates saving behaviors among the urban working class in the nineteenth century. This chapter uses five surveys of industrial workers in 1880s New Jersey, an analysis of which reveals sophisticated saving behaviors consistent with life-cycle and precautionary theories. The mean saving rate was between 8% and 12% of annual income. Younger households saved less than older households. Householders with longer expected careers, on average, saved less. Life insurance and fraternal societies were the most popular saving vehicles, but workers also used savings banks and building and loan associations, alone and in combination." @default.
- W2884070741 created "2018-08-03" @default.
- W2884070741 creator A5067255786 @default.
- W2884070741 date "2018-07-19" @default.
- W2884070741 modified "2023-09-23" @default.
- W2884070741 title "The Forgotten Half of Finance: Working-class Saving in Late Nineteenth-century New Jersey" @default.
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- W2884070741 doi "https://doi.org/10.1108/s0363-326820180000034002" @default.
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