This HIT is an academic experiment on economic decision making from the University of California, Irvine.

University of California, Irvine
Study Information Sheet

Collaborative Research: Lifecycle Savings and Retirement Planning

Researcher
John Duffy
Department of Economics, UC Irvine
+1 949-824-8341

Please read the following carefully.

• You are eligible to participate in this study if you are 18 years of age or older and are a resident of the United States or Canada. You may only participate in this study once.
• The study explores consumption and savings decisions and retirement planning.
• If you complete this study, you will receive a minimum of $2 for your participation. You can earn considerably more, depending on the decisions that you make, as will be made clear in the instructions.
• Your participation in this study is voluntary. You are free to withdraw from this study at any time, though you will only be paid if you complete the entire study.
• The study can take up to 2 hours to complete, though you may be able to complete it more quickly. Please make sure that you have the time available to complete the study before agreeing to participate in it.
• Your participation involves repeatedly looking at some information about income and savings amounts and then deciding much how you would like to consume and save in each of several periods. The decisions you make will matter for your final payment, as will be carefully explained in the instructions that you will receive prior to making any decisions.
• This study contains a number of checks to make sure that participants are finishing all tasks honestly and completely. If you pass all checks complete all tasks, your HIT will be approved. If you fail any of the checks, or do not complete all tasks your HIT will be rejected.
• There are no direct benefits from your participation in the study. However, this study may improve our understanding of consumption, savings and retirement planning behavior.
• There are no alternative procedures available. The only alternative is not to participate in this study.
• Your participation in this study is anonymous.
• The data you provide may be collected and used by Amazon as per its privacy agreement.
• All research data collected will be stored securely and confidentially on password protected computers and on a computer server maintained by the University of California, Irvine (UCI).
• The research team, authorized UCI personnel, and regulatory entities, may have access to your study records to protect your safety and welfare.
• While the research team will make every effort to keep your personal information confidential, it is possible that an unauthorized person might see it. We cannot guarantee total privacy.
The researchers intend to store your research data in a repository indefinitely. The researchers may continue to use and share your data for an indefinite period.
• If you have any comments, concerns, or questions regarding the conduct of this research please contact the researchers listed at the top of this form.
• If you have questions or concerns about your rights as a research participant, you can contact the UCI Institutional Review Board by phone, (949) 824-6662, by email at IRB@research.uci.edu or at 141 Innovation, Suite 250, Irvine, CA 92697.
  What is an IRB? An Institutional Review Board (IRB) is a committee made up of scientists and non-scientists. The IRB's role is to protect the rights and human welfare of human subjects involved in research. The IRB also assures that the research complies with applicable regulations, laws, and institutional policies.
• If you agree to participate in this study, click the "Next" button to begin.

After you have accepted this HIT, the URL to the study will appear here: link.

On the last page, you will be given a completion code. Please copy/paste that code below.