@misc{KennickellLusardi2006,
  author    = {Arthur Kennickell and Annamaria Lusardi},
  title     = {Disentangling the importance of the precautionary saving motive},
  institution = {Center for Financial Studies (CFS)},
  series    = {CFS working paper series},
  number    = {2006, 15},
  year      = {2006}
}