% Citations for every paper by Rawley Z. Heimer, generated from https://rawleyheimer.com/research.html
% Updated November 2026. Citation keys are stable; author order follows the published versions.

@article{heimer2025dynamic,
  author  = {Heimer, Rawley Z. and Iliewa, Zwetelina and Imas, Alex and Weber, Martin},
  title   = {Dynamic Inconsistency in Risky Choice: Evidence from the Lab and Field},
  journal = {American Economic Review},
  volume  = {115},
  number  = {1},
  pages   = {330--363},
  year    = {2025},
  doi     = {10.1257/aer.20210307},
  url     = {https://www.aeaweb.org/articles?id=10.1257/aer.20210307}
}

@article{heimer2022shale,
  author  = {Cookson, J. Anthony and Gilje, Erik P. and Heimer, Rawley Z.},
  title   = {Shale Shocked: Cash Windfalls and Household Debt Repayment},
  journal = {Journal of Financial Economics},
  volume  = {146},
  number  = {3},
  pages   = {905--931},
  year    = {2022},
  doi     = {10.1016/j.jfineco.2022.09.008},
  url     = {https://www.sciencedirect.com/science/article/pii/S0304405X22002069}
}

@article{heimer2022biased,
  author  = {Heimer, Rawley Z. and Imas, Alex},
  title   = {Biased by Choice: How Financial Constraints Can Reduce Financial Mistakes},
  journal = {Review of Financial Studies},
  volume  = {35},
  number  = {4},
  pages   = {1643--1681},
  year    = {2022},
  doi     = {10.1093/rfs/hhab073},
  url     = {https://academic.oup.com/rfs/article/35/4/1643/6308957}
}

@article{heimer2021personal,
  author  = {Bellon, Aymeric and Cookson, J. Anthony and Gilje, Erik P. and Heimer, Rawley Z.},
  title   = {Personal Wealth, Self-Employment, and Business Ownership},
  journal = {Review of Financial Studies},
  volume  = {34},
  number  = {8},
  pages   = {3935--3975},
  year    = {2021},
  doi     = {10.1093/rfs/hhab044},
  url     = {https://academic.oup.com/rfs/article/34/8/3935/6218782}
}

@article{heimer2021politicizing,
  author  = {Akey, Pat and Heimer, Rawley Z. and Lewellen, Stefan},
  title   = {Politicizing Consumer Credit},
  journal = {Journal of Financial Economics},
  volume  = {139},
  number  = {2},
  pages   = {627--655},
  year    = {2021},
  doi     = {10.1016/j.jfineco.2020.07.017},
  url     = {https://www.sciencedirect.com/science/article/pii/S0304405X20302270}
}

@article{heimer2019yolo,
  author  = {Heimer, Rawley Z. and Myrseth, Kristian Ove R. and Schoenle, Raphael S.},
  title   = {{YOLO}: Mortality Beliefs and Household Finance Puzzles},
  journal = {Journal of Finance},
  volume  = {74},
  number  = {6},
  pages   = {2957--2996},
  year    = {2019},
  doi     = {10.1111/jofi.12828},
  url     = {https://onlinelibrary.wiley.com/doi/full/10.1111/jofi.12828}
}

@article{heimer2019leverage,
  author  = {Heimer, Rawley Z. and Simsek, Alp},
  title   = {Should Retail Investors' Leverage Be Limited?},
  journal = {Journal of Financial Economics},
  volume  = {132},
  number  = {3},
  pages   = {1--21},
  year    = {2019},
  doi     = {10.1016/j.jfineco.2018.10.017},
  url     = {https://www.sciencedirect.com/science/article/pii/S0304405X18303076}
}

@article{heimer2019growing,
  author  = {Brown, James R. and Cookson, J. Anthony and Heimer, Rawley Z.},
  title   = {Growing Up Without Finance},
  journal = {Journal of Financial Economics},
  volume  = {134},
  number  = {3},
  pages   = {591--616},
  year    = {2019},
  doi     = {10.1016/j.jfineco.2019.05.006},
  url     = {https://www.sciencedirect.com/science/article/pii/S0304405X19301205}
}

@article{heimer2017law,
  author  = {Brown, James R. and Cookson, J. Anthony and Heimer, Rawley Z.},
  title   = {Law and Finance Matter: Lessons from Externally Imposed Courts},
  journal = {Review of Financial Studies},
  volume  = {30},
  number  = {3},
  pages   = {1019--1051},
  year    = {2017},
  doi     = {10.1093/rfs/hhw030},
  url     = {https://academic.oup.com/rfs/article/30/3/1019/2669944}
}

@article{heimer2016peer,
  author  = {Heimer, Rawley Z.},
  title   = {Peer Pressure: Social Interaction and the Disposition Effect},
  journal = {Review of Financial Studies},
  volume  = {29},
  number  = {11},
  pages   = {3177--3209},
  year    = {2016},
  doi     = {10.1093/rfs/hhw063},
  url     = {https://academic.oup.com/rfs/article/29/11/3177/2583763}
}

@incollection{heimer2026ai,
  author    = {Heimer, Rawley Z.},
  title     = {Financial Decision Making, at the Dawn of {AI}},
  booktitle = {Oxford Research Encyclopedia of Economics and Finance},
  publisher = {Oxford University Press},
  year      = {Forthcoming},
  url       = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6249619}
}

@incollection{heimer2026subjective,
  author    = {Heimer, Rawley Z.},
  title     = {Subjective Beliefs, Saving, and Spending for Retirement},
  booktitle = {Retirement Saving, Investment, and Spending: New Lessons from Behavioral Research},
  editor    = {Mitchell, Olivia S. and Roussanov, Nikolai},
  publisher = {Oxford University Press},
  year      = {2026},
  month     = oct,
  isbn      = {9780197845752},
  doi       = {10.1093/oso/9780197845752.003.0003},
  url       = {https://academic.oup.com/book/63080/chapter/567011483}
}

@article{heimer2015courting,
  author  = {Brown, James R. and Cookson, J. Anthony and Heimer, Rawley Z.},
  title   = {Courting Economic Development},
  journal = {World Bank Economic Review},
  volume  = {30},
  number  = {Supplement 1},
  pages   = {S176--S187},
  year    = {2017},
  doi     = {10.1093/wber/lhw027},
  url     = {https://academic.oup.com/wber/article/30/Supplement_1/S176/2897440}
}

@article{heimer2014friends,
  author  = {Heimer, Rawley Z.},
  title   = {Friends Do Let Friends Buy Stocks Actively},
  journal = {Journal of Economic Behavior and Organization},
  volume  = {107},
  number  = {Part B},
  pages   = {527--540},
  year    = {2014},
  doi     = {10.1016/j.jebo.2014.04.019},
  url     = {https://www.sciencedirect.com/science/article/pii/S0167268114001243}
}

@techreport{heimer2015facebook,
  author      = {Heimer, Rawley Z. and Simon, David},
  title       = {Facebook Finance: How Social Interaction Propagates Active Investing},
  institution = {Federal Reserve Bank of Cleveland},
  type        = {Working Paper},
  number      = {15-22},
  year        = {2015},
  url         = {https://www.clevelandfed.org/publications/working-paper/2015/wp-1522-facebook-finance-social-interaction-investing}
}

@unpublished{heimer2021temporal,
  author = {Giacoletti, Marco and Heimer, Rawley Z. and Yu, Edison},
  title  = {Temporal Focal Points and Economic Outcomes: Evidence from {U.S.} Mortgage Lending},
  note   = {Working paper},
  year   = {2021},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3795547}
}

@unpublished{heimer2025fallible,
  author = {Haendler, Charlotte and Heimer, Rawley Z.},
  title  = {Fallible Firms: The Economics of Consumer Redress},
  note   = {Working paper},
  year   = {2025},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5218602}
}

@unpublished{heimer2017pushing,
  author = {Akey, Pat and Dobridge, Christine and Heimer, Rawley Z. and Lewellen, Stefan},
  title  = {Pushing Boundaries: Political Redistricting and Consumer Credit},
  note   = {Working paper},
  year   = {2017},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3031604}
}

@unpublished{heimer2025bequest,
  author = {Heimer, Rawley Z. and Li, Xiang},
  title  = {Five Facts about Bequest Motives},
  note   = {Working paper},
  year   = {2025},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5331388}
}

@unpublished{heimer2025foundations,
  author = {Ahn, Changhyun and Heimer, Rawley Z.},
  title  = {The Wealth Draw-down of the Fabulously Rich: Insights from Private Family Foundations},
  note   = {Working paper},
  year   = {2025},
  url    = {https://rawleyheimer.com/papers/wealth-drawdown-private-family-foundations.html}
}

@unpublished{heimer2024reits,
  author = {Giacoletti, Marco and Heimer, Rawley Z. and Li, Wenli and Yu, Edison},
  title  = {Single-Family {REITs} and Local Housing Markets},
  note   = {Working paper},
  year   = {2024},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4895275}
}

@unpublished{heimer2026brokerage,
  author = {Fedyk, Valeria and Heimer, Rawley Z.},
  title  = {Brokerage Commissions and Trading Volume: Lessons from the 20th Century},
  note   = {Working paper},
  year   = {2026},
  url    = {https://rawleyheimer.com/papers/brokerage-commissions-trading-volume.html}
}

@unpublished{heimer2026borrowing,
  author = {Cole, Allison and Heimer, Rawley Z. and Livshits, Igor},
  title  = {Borrowing Young, Paying Later},
  note   = {Working paper},
  year   = {2026},
  url    = {https://rawleyheimer.com/papers/borrowing-young-paying-later.html}
}

@unpublished{heimer2026waiting,
  author = {Brandsaas, Eirik Eylands and Heimer, Rawley Z. and Vel{\'a}squez-Giraldo, Mateo},
  title  = {Waiting for Wealth: Inheritances and Household Savings},
  note   = {Working paper},
  year   = {2026},
  url    = {https://rawleyheimer.com/papers/waiting-for-wealth-inheritances-household-savings.html}
}

@unpublished{heimer2024navigating,
  author = {Heimer, Rawley Z.},
  title  = {Navigating Credit Bureau Data: Field Notes for Researchers},
  note   = {Research guide},
  year   = {2024},
  url    = {https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4891923}
}

@misc{heimer2020covid,
  author       = {Heimer, Rawley Z. and Liu, Haoyang and Zhang, Xiaohan},
  title        = {Are People Overconfident about Avoiding {COVID-19}?},
  howpublished = {Liberty Street Economics, Federal Reserve Bank of New York},
  year         = {2020},
  month        = oct,
  url          = {https://libertystreeteconomics.newyorkfed.org/2020/10/are-people-overconfident-about-avoiding-covid-19/}
}

@techreport{heimer2020intergenerational,
  author      = {Fritsch, Nicholas and Heimer, Rawley Z.},
  title       = {Intergenerational Homeownership and Mortgage Distress},
  institution = {Federal Reserve Bank of Cleveland},
  type        = {Economic Commentary},
  number      = {2020-12},
  year        = {2020},
  url         = {https://www.clevelandfed.org/publications/economic-commentary/2020/ec-202012-intergenerational-homeownership-and-mortgage-distress}
}

@techreport{heimer2016mobility,
  author      = {Heimer, Rawley Z. and Stehulak, Timothy and Treanor, Caitlin},
  title       = {Geographic Mobility and Consumer Financial Health: Evidence from Oil Production Boom Towns},
  institution = {Federal Reserve Bank of Cleveland},
  type        = {Economic Commentary},
  number      = {2016-13},
  year        = {2016},
  url         = {https://www.clevelandfed.org/publications/economic-commentary/2016/ec-201613-geographic-mobility-and-consumer-financial-health-oil-boom-towns}
}