Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy
研究发现，老年女性在预期寡居前会主动提升金融素养，80%能在寡居前赶上丈夫水平，且这种提升并非源于丈夫认知衰退，而是出于对配偶去世后需独立管理财务的预期。
Women tend to be less financially literate than men, consistent with a division of labor where husbands manage finances. However, women tend to outlive their husbands. I find that older women acquire financial literacy as they approach widowhood - 80 percent would catch up with their husbands by the expected onset of widowhood. These gains are not attributable to husbands' cognitive decline, as captured by cognition tests. The results are consistent with a model in which the division of labor collapses when a spouse dies: women have incentives to delay acquiring financial human capital, but also to begin learning before widowhood.