Breadwinner’s Burden: The Effect of Financial Concerns on Sleeplessness

Using a regression discontinuity design, we find that eligible household heads surveyed just after an unconditional cash transfer in Indonesia report a 0.4 standard deviation improvement in sleep quality compared to those surveyed just before, and they perform better on cognitive tasks sensitive to sleep deprivation. The cash transfer appears to alleviate financial concerns for household heads—typically the breadwinners—improving their sleep. Postdisbursement, eligible households increase savings and reduce debts, and household heads feel less worried, frustrated, and tired. These effects are not observed in ineligible household heads or other members of eligible households. (JEL D12, D91, G51, I38, O12, O16)

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Publication Details

Journal
American Economic Review Insights
Published
2026-02-25
DOI
https://doi.org/10.1257/aeri.20240312
Primary Topic
Financial Literacy, Pension, Retirement Analysis
Type
article
Field-Weighted Citation Impact
0.00
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article

Breadwinner’s Burden: The Effect of Financial Concerns on Sleeplessness

Maulik Jagnani, Claire Duquennois
American Economic Review Insights
Financial Literacy, Pension, Retirement Analysis
article

Breadwinner’s Burden: The Effect of Financial Concerns on Sleeplessness

Maulik Jagnani, Claire Duquennois
article en

Abstract

Using a regression discontinuity design, we find that eligible household heads surveyed just after an unconditional cash transfer in Indonesia report a 0.4 standard deviation improvement in sleep quality compared to those surveyed just before, and they perform better on cognitive tasks sensitive to sleep deprivation. The cash transfer appears to alleviate financial concerns for household heads—typically the breadwinners—improving their sleep. Postdisbursement, eligible households increase savings and reduce debts, and household heads feel less worried, frustrated, and tired. These effects are not observed in ineligible household heads or other members of eligible households. (JEL D12, D91, G51, I38, O12, O16)

American Economic Review InsightsVol. 8(1)
Tufts University (US), University of Pittsburgh (US)
Openalex Percentile: Top 45%
Financial Literacy, Pension, Retirement Analysis
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