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Smith, Karen E.,  Johnson, Richard W.,  Muller, Leslie A. Deferring income in employer-sponsored retirement plans: The dynamics of participant contributions. National Tax Journal. 57, (3), 639-670.
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Muller, Leslie A. Retirement Education and Pension Preservation: Does Retirement Education Teach Individuals to Save Pension Distributions?. United States Social Security Administration, Division of Policy Evaluation.
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