Research
Peer-Reviewed Articles
L’Esperance, M., Collins, J. M., & Robb, C. (2025). High School Personal Finance Course Mandates and Financial Independence of Young Adults. Journal of Financial Counseling and Planning. https://doi.org/10.1891/JFCP-2022-0059
L’Esperance, M., Grooms, J., & Smeeding, T. M. (2024). Patterns of Advance Child Tax Credit Receipt and Spending among Children with Retired or Disabled Household Members. Social Service Review, 98(1), 93-138. https://doi.org/10.1086/728114
L’Esperance, M. (2023). Nudging credit union members to check their credit: Evidence from a field experiment. Journal of Behavioral and Experimental Finance, 37, 100775. https://doi.org/10.1016/j.jbef.2022.100775
Collins, J. M., & L’Esperance, M. (2023). What do students gain from banks in schools? A field study. Review of Economics of the Household, 21(2), 567-590. https://doi.org/10.1007/s11150-022-09611-z
L’Esperance, M. (2020). Does responsibility for financial tasks influence credit knowledge and behavior?: Evidence from a panel of US couples. Journal of Family and Economic Issues, 41(2), 377-387.https://doi.org/10.1007/s10834-019-09641-3
Working Papers
Youth Employment and Financial Behavior: Does Work in High School Build Financial Capability?. Revise and Resubmit
Short-Term Disabilities, Return to Work, and Transitions to Long-Term Disability Benefits: Evidence from Matched Administrative Data in Wisconsin, with Adibah Abdulhadi and J. Michael Collins. Revise and Resubmit
Social Security Interactions with Child Tax Credit Expansion, with Jevay Grooms and Tim Smeeding. Revise and Resubmit
Social Security Disability Program Application Timing and the Financial Health Trajectories of People with Disabilities. Reject and Resubmit
Effects of Income Payment Timing on Financial Shortfalls for Retirees and People with Disabilities. Under Review