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Who saves more, the naive or the sophisticated agent? (Working Paper)

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  ____      ______    _  __   _    _    ______     _____   
 |  _ \\   /_   _//  | |/ // | || | || |      \\  |  ___|| 
 | |_| ||   -| ||-   | ' //  | || | || |  --  //  | ||__   
 | .  //    _| ||_   | . \\  | \\_/ || |  --  \\  | ||__   
 |_|\_\\   /_____//  |_|\_\\  \____//  |______//  |_____|| 
 `-` --`   `-----`   `-` --`   `---`   `------`   `-----`
 


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