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Summary: NBER WORKING PAPER SERIES
WHEN A NUDGE ISN'T ENOUGH:
DEFAULTS AND SAVING AMONG LOW-INCOME TAX FILERS
Erin Todd Bronchetti
Thomas S. Dee
David B. Huffman
Ellen Magenheim
Working Paper 16887
http://www.nber.org/papers/w16887
NATIONAL BUREAU OF ECONOMIC RESEARCH
1050 Massachusetts Avenue
Cambridge, MA 02138
March 2011
We are grateful to Joyce Lacy of the Delaware County Asset Development Coalition (DelcoAD); Phyllis
Mason of the Montgomery County Community Asset Development Commission (CADCOM); student
tax preparers from Swarthmore College, Bryn Mawr College, and Villanova University; and community
volunteer tax preparers from Delaware and Montgomery counties. We thank Daniel Vail (`11) for
excellent research assistance and seminar participants at Swarthmore College, the University of Virginia,
RAND, and the 2010 APPAM research conference for helpful comments. The views expressed herein
are those of the authors and do not necessarily reflect the views of the National Bureau of Economic
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