and evidence." Journal of Political economy 106, no. 4 (1998): 706-723. Gale, William G., and John Karl Scholz. "IRAs and household saving." The American Economic Review (1994): 1233-1260. References External links Gale's homepage at the Brookings Institution Alumni of the London School of Economics Brookings Institution people 21st-century American economists Living people 1959 births