I’ve said many times that if you are a breeder, that you must be a enterprise. Asebedo and her coauthor, Christopher Browning, Ph.D., also of Texas Tech, analyzed personality and psychological data from more than 3,600 people in the United States age 50 or older (the typical age was 70) in the 2012 and 2014 waves of the Health and Retirement Research. This is a nationally representative survey sponsored by the National Institute on Growing older and conducted by the College of Michigan. The data were paired with tax knowledge from the same participants to account for withdrawals from particular person retirement accounts. The researchers solely used contributors who made withdrawals from their retirement accounts and different saving accounts.