Financial Education and Timely Decision Support: Lessons from Junior Achievement
利用南加州青年成就项目金融主题公园的数据，研究发现接受过19小时金融课程的学生更节俭、更快还清债务，但购买了更不全面的健康保险，面临更大财务风险。这表明教育与决策支持是互补而非替代关系。
Using data from a finance theme park at Junior Achievement of Southern California, we explore how timely decision support is impacted by previous exposure to financial education. Some students received a 19-hour curriculum before participating, and some did not. Trained students were more frugal, paid off debt faster, and relied less on credit financing. However, trained students purchased less comprehensive health insurance, exposing themselves to greater financial risk and wealth volatility. This disparity can be explained by differences in decision support within the park. As such, it appears that education and decision support should be considered complements, not substitutes.