@book{WR-712,
author="Hung, Angela A. and Erik Meijer and Kata Mihaly and Joanne K. Yoong",
title="Building Up, Spending Down: Financial Literacy, Retirement Savings Management, and Decumulation",
address="Santa Monica, CA",
year="2009",
doi="10.7249/WR712",
publisher="RAND Corporation"
}