Should these measures vary across demographic groups and the context in which consumers make financial decisions? Undoubtedly some of the research shared at this conference will shed light on these questions and also raise others. I look forward to learning from your work and to implementing and supporting programs that have demonstrated results.
Conclusion Decisions about saving and investing have a profound effect on the financial well-being of individual consumers. Collectively, those same decisions shape our national economic outcomes. Changes in the financial products offered to consumers and in the economic circumstances of those consumers have added even more complexity to the financial decisions faced by consumers.