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Prof. Vicki Morwitz's research on budgeting by month vs. by year is cited

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Excerpt from US News & World Report -- "Research by the University of Southern California's Gulden Ulkumen, Cornell University's Manoj Thomas, and New York University's Vicki Morwitz found that college students were about 40 percent off-target when budgeting by the month, but only 3 percent off when thinking by the year."

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