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William J. Luther

Rogoff on Seigniorage

In his book, The Curse of Cash, Harvard economist Ken Rogoff offers an excellent discussion of the modern seigniorage process: Instead of having the government print money and buy things directly, modern-day seigniorage is a three stage process. In stage one, the government spends beyond its means (its tax revenues) and issues interest-bearing debt to […]

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Max Gulker

Tools to Help Lower-Income Americans Save Money

In our January brief entitled “Why Can’t Americans Save,” I look at the numerous hurdles that different types of households face on the road to financial wellness. My research revealed that the bottom half of U.S. earners, roughly speaking, simply cannot afford to meet the goals experts put forward for saving, investing and debt.

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