APA (7th ed.) Citation

Scholz, J. K., Seshadri, A., & Khitatrakun, S. (2004). Are Americans saving "optimally" for retirement? National Bureau of Economic Research.

Chicago Style (17th ed.) Citation

Scholz, John Karl, Ananth Seshadri, and Surachai Khitatrakun. Are Americans Saving "Optimally" for Retirement? Cambridge, Mass: National Bureau of Economic Research, 2004.

MLA (9th ed.) Citation

Scholz, John Karl, et al. Are Americans Saving "Optimally" for Retirement? National Bureau of Economic Research, 2004.