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Talking Economics: Household Financial Choices

19 June, 2025

What determines the financial decisions we make throughout our lives, like choosing a mortgage, saving for retirement, or deciding whether to invest? In the latest episode of Talking Economics, we explore these questions with Marta Cota, a CERGE-EI PhD alumna and Assistant Professor of Finance at Nova School of Business and Economics in Lisbon.

Marta’s work emphasizes the importance of policy efforts that address financial literacy, borrower behavior, mortgage market structures, and retirement savings decisions in an integrated manner, enabling individuals to make informed financial choices throughout their lives.

Marta’s research sits at the crossroads of macroeconomics and household finance. Her work focuses on the everyday decisions households face and the long-term effects these choices can have. She offers insights into how financial literacy and expectations influence outcomes, and what we can do to improve them.

Tune in to our podcast on Spotify, Apple Podcasts, or YouTube to learn more.

Read the episode summary on the CERGE-EI Blog.