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Home Publications The effect of the financial crisis on older households in England

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IFS Working Paper W20/2
Household borrowing and spending rise with house prices, particularly for leveraged households, but household spending is not consumption.
Newspaper article
If there’s one thing that everyone in politics seems to agree on, it’s that we need to solve the housing crisis. But there "really aren’t easy solutions here."
Newspaper article
IFS researcher Jonathan Cribb worked alongside historian Claire Langhamer, personal finance expert Sharon Collard and the BBC to analyse the shift in wages, house prices and property ownership over time.
IFS Working Paper W19/18
The vast majority of household wealth in the U.S. is held in illiquid assets, primarily housing, making households vulnerable to unexpected income shocks. To rationalize this preference for illiquidity, we build a life-cycle model where households are tempted to consume their liquid wealth but can ...
IFS Working Paper W19/13
Delaying retirement has significant positive effects on the average cognition and physical mobility of women in England, at least in the short run. Exploiting the increase in employment of 60-63 year old women resulting from the increase in the female State Pension Age, we show that working ...