Karen Holden

Karen Holden

Professor Emeritus, La Follette School of Public Affairs
Consumer Science, School of Human Ecology
University of Wisconsin-Madison

kcholden@wisc.edu

Areas of Research Interest:  Effects of Social Security and Pension on Economic Status after Retirement and Widowhood, Adequacy of Retirement Saving, Happiness and Financial Well-Being, Evaluation of Financial Literacy Programs, and Development of Financial Education Programs for Young Children

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Increasing WDC Contributions by Working Women: What WDC Eligible Workers say about Participation and Contribution Decisions

wdcThis paper by Karen Holden and Sara Kock is the third report in our study of the influences affecting participation and contribution decisions of individuals eligible to participate in the Wisconsin Deferred Compensation (WDC) program.  This analysis is intended to complement both the quantitative analysis in their 2012 report, based on administrative and survey data, and the focus group discussions reported in their 2011 report.

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Increasing Retirement Savings by Working Women: Understanding Gender Disparities in Wisconsin Deferred Compensation Program Account Balances

Karen Holden
Karen Holden

The purpose of this study by Karen Holden and Sara Kock is to better understand the sources of observed gender disparities in Wisconsin Deferred Compensation (WDC) Program account balances.  The WDC is a supplemental tax-deferred voluntary retirement savings plan offered to individuals holding jobs covered by Wisconsin’s public pension system.

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The Emotions and Cognitions Behind Financial Decisions: The Implications of Theory for Practice

Karen Holden
Karen Holden

Financial decisions are compelled and constrained by non-financial factors. These include personality characteristics of individuals as well as the social environments in which decisions are made. This paper by Karen Holden provides an overview of theories that seek to explain how non-financial factors influence financial decisions: Developmental Psychology, Crystallized and Fluid Intelligence, Behavioral Economics, Neuro-Brain Research, and Culture of Poverty.

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