@article{Agarwal_Chomsisengphet_Ghosh_Ruan_Song_Zhang_savings,
  author  = {Agarwal, Sumit and Chomsisengphet, Souphala and Ghosh, Pulak and Ruan, Tianyue and Song, Changcheng and Zhang, Man},
  title   = {Do Saving Tax Incentives Work? Evidence from Home Equity Accumulation and Consumption Responses},
  journal = {Working Paper},
  year    = {2025},
  url     = {https://ssrn.com/abstract=3020062},
  doi     = {10.2139/ssrn.3020062}
}