The Mismatch Between Life Insurance Holdings and Financial Vulnerabilities: Evidence from the Health and Retirement Study by B. Douglas Bernheim, Lorenzo Forni, Jagadeesh Gokhale and Laurence J. Kotlikoff. Published in volume 93, issue 1, pages 354-365 of American Economic Review, March 2003

How Much Should Americans Be Saving for Retirement? by B. Douglas Bernheim, Lorenzo Forni, Jagadeesh Gokhale and Laurence J. Koltikoff. Published in volume 90, issue 2, pages 288-292 of American Economic Review, May 2000