Journal Articles

• "The Use of Owner Resources in Small and Family Owned Businesses: Literature Review and Future Research Directions," with Holly Schrank, 2010. Journal of Family and Economic Issues, 31(4): 399-413.
• "Marriage and the Allocation of Assets in Women's Defined Contribution Plans," with Angela C. Lyons, 2010. Journal of Family and Economic Issues, 31(2): 121-137.
• "The Impact of College Financial Aid Rules on Household Portfolio Choice," with Patryk Babiarz, 2009. National Tax Journal, 62(4): 635-655.
• "A Multistage Model of Loans and the Role of Relationships," with Sugato Chakravarty, 2009. Financial Management, 38(4): 781-816.
• "Effectiveness of Financial Education on Financial Management Behavior and Account Usage: Evidence from a 'Second Chance' Program," with Rebecca Haynes Bordas and D. Elizabeth Kiss, 2008. Journal of Family and Economic Issues, 29(3): 362-390.
• "Saving for Children's College Education: An Empirical Analysis of the Trade-off between the Quality and Quantity of Children," 2008. Journal of Family and Economic Issues, 29(2): 307-324.
• "Financial Intermingling in Small Family Businesses," with Holly Schrank, 2006. Journal of Business Venturing, 21(5): 726-751.
• "Consumer Debt over the Life-cycle," with Sharon A. DeVaney, 2005. Financial Services Review, 14(4): 285-304.
• "Health and Financial Strain: Evidence from the Survey of Consumer Finances," with Angela C. Lyons, 2005. Southern Economic Journal, 71(4): 873-890.

Work in Progress

• "Precautionary Savings Against Health Risks: Evidence from the Health and Retirement Study," with Robert Scharff.
• "Household Assets and Debt Holdings: A Survey of Consumer Finances in Turkey," with Fikret Adaman and Mehmet Kaytaz, submitted.
• "Portfolio Choice and Risk Attitudes: A Household Bargaining Approach," with Stephen Lich-Tyler.
• "The Role of Lending Practices on the 2007 Foreclosure Crisis: Evidence from Indiana and Ohio," with D. Elizabeth Kiss.