@article {Hurwitz_2020,
	title = {An investigation of time preferences, life expectancy, and annuity versus lump sum choices: Can smoking harm long-term saving decisions?},
	journal = {Journal of Economic Behavior \&amp; Organization},
	volume = {180},
	year = {2020},
	month = {dec},
	pages = {812{\textendash}825},
	publisher = {Elsevier BV},
	issn = {0167-2681},
	doi = {10.1016/j.jebo.2019.05.011},
	url = {http://dx.doi.org/10.1016/j.jebo.2019.05.011},
	author = {Hurwitz, Abigail and Sade, Orly}
}
