Exponential Growth Bias and Household Finance

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In Harm's Way? Payday Loan Access and Military Personnel Performance (2008, neutral): “7 20-25% prevalence is from Stegman (2007) and Tanik (2005).”
What determines financial literacy in Japan? (2019, neutral): “Lusardi and Mitchell (2007, 2008) measured financial literacy using three questions, Van Rooij et al. (2011) used five questions, and Stango and Zinman (2009) used only one question.”
Financial literacy: A systematic review and bibliometric analysis (2020, positive): “Those who cannot calculate the interest rate correctly tend to borrow more (Stango & Zinman, 2009).”
Lending terms, financial literacy and formal credit accessibility (2014, background): “Moreover, Lusardi and Tufano (2008) and Stango and Zinman (2009) also state that households with low levels of financial literacy tend to borrow at higher interest rates and participate less in the formal financial system relative to their more financially-literate counterparts.”
Subjective Knowledge in Consumer Financial Decisions (2013, background): “The authors thank Shai Danziger and an anonymous reviewer for helpful comments and suggestions.”