{"id":"W3102245993","doi":"10.2139/ssrn.3673984","title":"Financial Knowledge Overconfidence and Early Withdrawals from Retirement Accounts","year":2020,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":4,"is_retracted":false,"has_abstract":false,"ca_institutions":"York University","funders":"","keywords":"Overconfidence effect; Economics; Business; Actuarial science; Finance; Psychology","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003488389,0.0002884837,0.0005031305,0.002640402,0.001006711,0.00302534,0.001129176,0.002657685,0.0108669],"category_scores_gemma":[0.04714363,0.000531001,0.0008017856,0.001769995,0.000916901,0.002559101,0.001859652,0.004722254,0.001186005],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0006291338,"about_ca_system_score_gemma":0.001116944,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.01540413,"about_ca_topic_score_gemma":0.01796718,"domain_scores_codex":[0.9982823,0.0003718269,0.0002947188,0.0001371749,0.0004327776,0.0004811605],"domain_scores_gemma":[0.9239327,0.0274168,0.03423531,0.002739415,0.003670766,0.008004943],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0002732799,0.0006024341,0.9932693,0.00001891142,0.00004753959,0.0002490597,0.001108639,0.00005266983,0.00009880248,0.0001524478,0.0002299903,0.003896944],"study_design_scores_gemma":[0.000006941919,0.0001108634,0.9978484,0.00002597775,0.00002440991,0.0002253864,0.001229066,0.00009096851,0.0000496345,0.0002006374,0.0001768908,0.00001091782],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9972064,0.0002480414,0.00001885673,0.0004067587,0.0000109047,0.000007315527,0.0001437972,0.000002859119,0.001955076],"genre_scores_gemma":[0.9980524,0.0001452836,0.00002496385,0.00007546248,0.00003299523,0.000006086828,0.0002043307,0.000003044606,0.001455521],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01540413,"threshold_uncertainty_score":0.03635341,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01254078351654947,"score_gpt":0.217113534616749,"score_spread":0.2045727511001995,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}