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We thank the editor, Robert DeYoung, an anonymous referee, Todd Gormley, Mark Jenkins, Paul Landefeld, Donald Morgan, Nick Roussanov, Luke Taylor, and Jeremy Tobacman for helpful reviews, in addition to seminar participants in the Wharton School, the GW/FRB/GFLEC Financial Literacy Seminar therefore the Consumer Expenditure Survey Microdata Workshop. I will be grateful to Jimmy Lee, Ryan PfirrmannвЂђPowell, Geoffrey Paulin, Arcenis Rojas, yet others within the Division associated with the Consumer Expenditure Survey during the Bureau of Labor Statistics for help accessing the private Consumer Expenditure Survey files, and I also have always been grateful to Paul Amos associated with Wharton GIS lab for help with GIS. The Jay H. Baker Retailing Center in the Wharton class offered ample support that is financial the task before the writer’s employment with all the Federal Reserve.The analysis and conclusions expressed in this paper are the ones associated with the writer plus don’t necessarily mirror the views regarding the Board of Governors associated with Federal Reserve System, its people, or its staff. This research had been carried out with limited use of Bureau of Labor Statistics (BLS) information. The views right here try not to fundamentally mirror the views associated with BLS.
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