APA (7th ed.) Citation

Hubbard, R. G., Skinner, J., & Zeldes, S. P. (1993). The importance of precautionary motives in explaining individual and aggregate saving.

Chicago Style (17th ed.) Citation

Hubbard, R. Glenn, Jonathan Skinner, and Stephen P. Zeldes. The Importance of Precautionary Motives in Explaining Individual and Aggregate Saving. Cambridge, MA, 1993.

MLA (9th ed.) Citation

Hubbard, R. Glenn, et al. The Importance of Precautionary Motives in Explaining Individual and Aggregate Saving. 1993.