This study uses the 2003-2004 Consumer Expenditure Survey to assess costs incurred by dual-income, married-couple households. It finds that, compared to one-earner households with equal income and similar demographics, dual-earner households pay significantly more in tax, social security and private pension contributions but, except for families with pre-school children, do not have more work-related expenditures. The findings indicate a convergence of consumption patterns between one-earner and two-earner households. They also indicate that dual-earner households save more for retirement through pension plans.
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