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Ameriks, J., Caplin, A., Leahy, J., 2003. Wealth accumulation and the propensity to plan.
Friedman, M., 1957. A Theory of the Consumption Function. Princeton University Press, Princeton, NJ.
ODonoghue, T., Rabin, M., 1999. Doing it now or later. American Economic Review 89, 103-124.
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