@article{bakerDebtResponseHousehold2018,
  title = {Debt and the {{Response}} to {{Household Income Shocks}}: {{Validation}} and {{Application}} of {{Linked Financial Account Data}}},
  author = {Baker, Scott R.},
  date = {2018},
  journaltitle = {Journal of Political Economy},
  volume = {126},
  number = {4},
  pages = {1504--1557},
  issn = {0022-3808},
  doi = {10.1086/698106},
  url = {https://www.journals.uchicago.edu/doi/10.1086/698106},
  abstract = {The increasing availability of data derived from linked consumer financial accounts has the potential to dramatically expand the potential for research. Examining the most comprehensive existing set of linked-account data, consisting of transaction and balance sheet data for millions of Americans, I demonstrate the power and versatility of such sources. I discuss advantages and concerns arising from this type of data and match a range of distributional moments to external sources. As one application, I test consumption elasticities across households with varying levels, and types, of debt. I find that heterogeneity in consumption elasticity can be explained entirely by credit and liquidity.},
  file = {C\:\\Users\\lukis\\AppData\\Roaming\\Zotero\\Zotero\\Profiles\\h20ej2eu.default\\zotero\\storage\\SSBKV7QY\\Baker_2018_Debt and the Response to Household Income Shocks.pdf}
}

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