William G. Gale has a PH.D. in Economics. He is the Director, Retirement Security Project at Urban-Brookings Tax Policy Center and was the Senior Staff Economist, President's Council of Economic Advisers. He is an expert on fiscal issues, pensions, and saving behavior. Benjamin H. Harris has a Ph.D. in Economics. He was a member of the President’s Economic Recovery Advisory Board and is an expert in budget and retirement security. Their professional roles lend credibility to their research and arguments, as does their citation of multiple professionals in the field. This source is relevant to the topic of financial literacy because it provides peer reviewed research data around how providing financial education in different forms helps reduce
