PDF-DoestheEarlyBirdCatchtheWorm?FirstbornsandTheirFinancialDecisionsSvenMichaelSpiraHECParisApril12,2014AbstractThispaperexamineswhetherbirthordercanexplainvariationin nancialhouse-holddecisions.Idocumentthat rstbornsaremorelikelytosave,toparticipateinthest
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