Refund to Savings 2013:Comprehensive report on a large-scale tax-time saving program

Michal Grinstein-Weiss, Dana C. Perantie, Blair D. Russell, Krista
Comer, Samuel H. Taylor, Lingzi Luo, Clinton Key, and Dan Ariely offer detailed results of a program designed to encourage and
facilitate saving behavior at a time when people
anticipate receiving lump sums—tax refunds—beyond
usual income.