HOUSEHOLD SAVING - MICRO THEORIES AND MICRO FACTS

We have benefited from the comments of a number of people. In particul ar, we thank Rob Alessie, Christopher Carroll, Gary Engelhardt, Willia m Gale, Luigi Guise, Alan Gustman, Michael Hurd, Arie Kapteyn, Arthur Kennickell, Laurence Kotlikoff, Robert Miller Jorn-Steffen Pischke, Jo hn Sabelhaus, Jonathan Skinner, Steven Venti, and three referees for c omments. We also thank Sanjay Natarajan and Cigdem Ozgokmen for resear ch assistance. This research was supported in part by a grant from the Canadian SSHRC.