4  See Catherine Bell, Daniel Gorin, and Jeanne M. Hogarth (2009), “Does Financial Education Affect Soldiers' Financial Behavior?” Networks Financial Institute Working Paper 2009-WP-08 (Terre Haute, Ind. : NFI at Indiana State University, August), www.networksfinancialinstitute.org/Lists/Publication%20Library/Attachments/140/2009-WP08_Bell_Gorin_Hogarth.pdf. BIS central bankers’ speeches  3  the staff of San Diego City College, to younger enlisted soldiers – mostly men in their early 20s.
We surveyed them about their financial history and activities at the time of the course, and we did follow-up surveys in 2008 and 2009 of both servicemembers who had participated in the course and soldiers who had not.