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Jones, G., & Podemska, M. (2010). IQ in the Utility Function: Cognitive Skills, Time Preference, and Cross-Country Differences in Savings Rates. GMU Working Paper in Economics No. 11-17, George Mason University.
https://doi.org/10.2139/ssrn.1801566
http://mason.gmu.edu/~gjonesb/IQsavings.pdf

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