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Research ArticleArticles

The Impact of High School Financial Education on Financial Knowledge and Saving Choices

Evidence from a Randomized Trial in Spain

View ORCID ProfileOlympia Bover, View ORCID ProfileLaura Hospido and View ORCID ProfileErnesto Villanueva
Journal of Human Resources, March 2026, 61 (2) 335-366; DOI: https://doi.org/10.3368/jhr.0720-11049R2
Olympia Bover
Olympia Bover is a Senior Research Associate at CEMFI and a former economist at the Banco de España, where she has been Director of the Department of Structural Analysis and Microeconomic Studies.
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Laura Hospido
Laura Hospido and Ernesto Villanueva are senior economists at Banco de España.
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  • For correspondence: ernesto.villanueva{at}bde.es
Ernesto Villanueva
Laura Hospido and Ernesto Villanueva are senior economists at Banco de España.
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Article Information

vol. 61 no. 2 335-366
DOI 
https://doi.org/10.3368/jhr.0720-11049R2
Published By 
University of Wisconsin Press
Print ISSN 
0022-166X
Online ISSN 
1548-8004
History 
  • Received July 1, 2020
  • Accepted July 1, 2023
  • Published online April 14, 2026.

ARTICLE VERSIONS

  • Ahead of Print Version (Monday, January 08, 2024 - 8:03 AM).
  • You are viewing the final version of this article.
Copyright & Usage 
© 2026 by the Board of Regents of the University of Wisconsin System

Author Information

  1. Olympia Bover
  1. Olympia Bover is a Senior Research Associate at CEMFI and a former economist at the Banco de España, where she has been Director of the Department of Structural Analysis and Microeconomic Studies.
  1. Laura Hospido
  1. Laura Hospido and Ernesto Villanueva (ernesto.villanueva{at}bde.es) are senior economists at Banco de España.
  1. Ernesto Villanueva
  1. Laura Hospido and Ernesto Villanueva (ernesto.villanueva{at}bde.es) are senior economists at Banco de España.
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Journal of Human Resources: 61 (2)
Journal of Human Resources
Vol. 61, Issue 2
1 Mar 2026
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The Impact of High School Financial Education on Financial Knowledge and Saving Choices
Olympia Bover, Laura Hospido, Ernesto Villanueva
Journal of Human Resources Mar 2026, 61 (2) 335-366; DOI: 10.3368/jhr.0720-11049R2

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The Impact of High School Financial Education on Financial Knowledge and Saving Choices
Olympia Bover, Laura Hospido, Ernesto Villanueva
Journal of Human Resources Mar 2026, 61 (2) 335-366; DOI: 10.3368/jhr.0720-11049R2
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  • Article
    • Abstract
    • I. Introduction
    • II. Intervention and Study Design
    • III. Results
    • IV. Heterogeneity by Type of School
    • V. Conclusions
    • Acknowledgments
    • Appendix
    • Footnotes
    • References
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