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100			_aAndersen, Asger Lau et al _948069
245			_aHow do households respond to job loss? Lessons from multiple high-frequency datasets
260			_aAmerican Economic Journal: Applied Economics
300			_a15(4), Oct, 2023: p.1-29
520			_aHow much and through which channels do households self-insure against job loss? Combining data from a large bank and from government sources, we quantify a broad range of responses to job loss in a unified empirical framework. Cumulated over a two-year period, households reduce spending by 30 percent of their income loss. They mainly self-insure through adjustments of liquid balances, which account for 50 percent of the income loss. Other channels—spousal labor supply, private transfers, home equity extraction, mortgage refinancing, and consumer credit—contribute less to self-insurance. Both overall self-insurance and the channels vary with household characteristics in intuitive ways.- Reproduced https://www.aeaweb.org/articles?id=10.1257/app.20210206
773			_aAmerican Economic Journal: Applied Economics
906			_aEMPLOYMENT
942			_cAR