He studies behavioral economics and household finance, with a focus on low-income households. In a series of papers, Jeremy has found that psychologically-informed models of intertemporal choice help to explain patterns of simultaneous mid-life wealth accumulation and credit card borrowing in the United States. One line of ongoing work investigates why people borrow on payday loans and measures the individual-level effects of access to payday loan credit. A second major continuing project analyzes the design, adoption, and consequences of a retail rainfall insurance product in India. Jeremy is an NBER Faculty Research Fellow, and previously he was a Postdoctoral Research Fellow at the Department of Economics and Nuffield College, University of Oxford. He earned his Ph.D. in Economics from Harvard University.