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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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  • ORCID record for Olympia Bover
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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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
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