I am an Assistant Professor of Risk and Insurance at UW-Madison's Wisconsin School of Business. My research focuses on the impact of insurance, financial literacy, and legal policies on vulnerable populations, especially related to aging and health. 

I am a fellow of the TIAA Institute and a member of the G53 Financial Literacy and Personal Finance Research Network at George Washington University's Global Financial Literacy Excellence Center. I am also actively engaged with a number of social science units on campus, and am an affiliate of the Center for Financial Security, the Institute for Research on Povertythe Center for Demography and Ecology, the Center for Demography of Health and Aging, and the University of Wisconsin Law School. Outside of campus, I am a member of Risk Theory Society and the Justice Tech Lab. I recently co-edited a special issue on Financing Longevity for The Journal of the Economics of Ageing.

I earned my Ph.D. in Applied Economics at The Wharton School, University of Pennsylvania. I also hold an M.S. in Management Science and Engineering, a B.S. in Mathematics, and a B.A. in Economics, all from Stanford University. Prior to enrolling at Wharton, I spent two years working as a consultant in the financial services division at Oliver Wyman in New York. 

Link to my CV
Link to my Twitter


1. The Effects of Naloxone Access Laws on Opioid Abuse, Mortality, and Crime
      Accepted, Journal of Law and Economics 

      (with Jennifer L. Doleac)
      IZA Discussion Paper No. 11489
    (with Junhao Liu)
    Journal of Risk and Insurance 

5. Targeting Weather Insurance Markets
    (with Shawn Cole and Jeremy Tobacman)
    Journal of Risk and Insurance

6. Improving the Use of Health Products: A Sales Experiment with Chlorine Tablets
    (with Camille Boudot-Reddy)
Health Economics

    (with Hessam Bavafa) 
    AEA Papers and Proceedings 2019

8. Building Financial and Health Literacy at Older Ages: The Role of Online Information
    (with Hessam Bavafa
and Junhao Liu)
    Journal of Consumer Affairs 

    Media coverage: Center for Financial Security

9. Time and Money: Social Security Benefits and Intergenerational Transfers
    AEA Papers and Proceedings 2018

10. Assessing the Demand for Micropensions among India's Poor
    (with Olivia S. Mitchell)
    The Journal of the Economics of Ageing 

    Media coverage: Knowledge@WhartonWSB Forward Thinking Blog

Working Papers/ Works-in-Progress

11. Set it and Forget it? Financing Retirement in an Age of Defaults 
     revise-and-resubmit, Journal of Financial Economics
     (with Lucas Goodman and Shanthi Ramnath)
     Media coverage:
American Society of Pension Professionals & Actuaries

12. The Causal Effect of Heat on Violence: Social Implications of Unmitigated Heat Among the Incarcerated
     NBER Working Paper 28987, July 2021
     (with Nicholas J. Sanders) 

     U.S. Congress Testimony: cited in hearing on "Advancing Environmental Justice through Climate Action" by Dr. R. Jisung Park

14. Inequities in the Golden Years: Increasing Returns to Wealth in Healthy and Work-Free Life
     (with Hessam Bavafa and Tyler Welch) in-progress

15. Fiscal Effects of Full Retirement Age Increases: Regression Discontinuity Evidence from Tax Data
     (with Lucas Goodman and Daniel W. Sacks) in-progress

Other Publications / Writing

    Special Issue on Financing Longevity
    The Journal of the Economics of Ageing

    Special Issue on Financing Longevity
    The Journal of the Economics of Ageing

    (with Jennifer Doleac and Molly Schnell)
    Brookings Institute, December 2018

    (with Corina Mommaerts)
    Center for Financial Security Working Paper, October 2020

    (with Corina Mommaerts)
    Center for Financial Security Working Paper, October 2019

    (with J. Michael Collins and Junhao Liu)
    Encyclopedia of Gerontology and Population Aging
    (section: Social Security and Pension Systems), Springer, March 2019 
    (with Lois Miller)
    Encyclopedia of Gerontology and Population Aging
    (section: Social Security and Pension Systems), Springer, March 2019

    (with Samik Adhikari, Shardul Oza, and Shahid Vaziralli)
    Institute for Financial Management and Research Working Paper, August 2012


I co-developed and co-teach a course on Business Analytics (GenBus 306). This course is now required of all BBA students at the Wisconsin School of Business. All course materials are available through a portal available to registered students. 

The learning objectives of the course are for students to: (1) acquire “statistical literacy,” meaning that they can interpret statistics frequently used in current events, industry reports, and so on; (2) distinguish between descriptive and inferential statistics, and apply skills such as data summarization, hypothesis testing, and regression analysis, using Excel; (3) apply the core concepts of probability to decision-making under uncertainty, including an introduction to simulation; (4) synthesize their knowledge with quantitative business cases; and; (5) effectively communicate data analyses in written, visual, and oral formats.

Coverage: Innovation in Course Design Drives New Level of Learning for Business Analytics StudentsWSB Faculty Showcase Classroom Innovations, New initiative sparks educational innovation and students reap the benefits