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NBER WORKING PAPER SERIES
BUILDING EMERGENCY SAVINGS THROUGH EMPLOYER-SPONSORED RAINY-DAY
SAVINGS ACCOUNTS
John Beshears
James J. Choi
Mark Iwry
David John
David Laibson
Brigitte C. Madrian
Working Paper 26498
/papers/w26498
NATIONAL BUREAU OF ECONOMIC RESEARCH
1050 Massachusetts Avenue
Cambridge, MA 02138
November 2019
The authors are grateful to Kari Hall, Catherine Harvey, Sarah Holmes Berk, Natalya Shnitser,
Christine Jolls, Kurt Lawson, Will Sandbrook, Matthew Blakstad, and Jo Phillips for their helpful
input; to Victoria Beecroft for assistance with manuscript preparation; to William Gale, Hilary
Gelfond, Delaney Parrish, and the Brookings Institution for organizing a public release event in
October 2017 for an earlier draft of this paper; and to Diane Garnick and David Newville for
participating in the event. Beshears, Choi, Laibson, and Madrian gratefully acknowledge financial
support from the National Institute on Aging (grants #P01AG005842 and #P30AG034532) and
the Pershing Square Fund for Research on the Foundations of Human Behavior. The views
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