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11 
 References 
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A report of research findings. Personal Finances and Worker Productivity, 2(2), 156-
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Lim, Y., DeJohn, T. V., & Murray, D. (2012). Free tax assistance and the Earned Income Tax  
 
Credit: Vital resources for social workers and low-income families. Social Work, 57(2), 175-
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Lusardi, A. (1999). Information, expectations, and savings for retirement. In H.J. Aaron (Ed.), 
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Lusardi, A. (2003). Planning and saving for retirement (Working Paper). Retrieved from 
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Lusardi, A., & Mitchell, O. S. (2007b). Financial literacy and retirement planning: New evidence 
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Mugenda, D. M., Hira, T. K. & Fanslow, A. M. (1990). Assessing the causal relationship among 
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van Rooij, M., Lusardi, A., & Alessie, R. (2011). Financial Literacy and Stock Market 
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