Financial regret at older ages and longevity awareness
通过健康与退休研究中的实验，发现许多美国老年人后悔未购买长寿保护或长期护理保险，以及过早退休和申领社保；告知客观生存概率使后悔程度增加43%。
Abstract To investigate financial regret among older Americans, we conduct a controlled experiment in the Health and Retirement Study. We document that many older people regret not having bought longevity protection or long‐term care insurance, as well as having retired and claimed social security benefits too early. This is especially true for women, Black, and less wealthy older individuals. Additionally, we find that informing participants about objective survival probabilities boosts regret by 43% regarding not having lifetime income, and by even more for those in good health and still working.