An essay on the life cycle: characterizing intertemporal behavior with uncertainty, human capital, taxes, durables, imperfect capital markets, and non-separable preferences
Thomas E. MaCurdy, An essay on the life cycle: characterizing intertemporal behavior with uncertainty, human capital, taxes, durables, imperfect capital markets, and non-separable preferences, Research in economics, 53(1), 1999, pp. 5-46