Jeremy Tobacman is an Assistant Professor at the Wharton School of the University of Pennsylvania in the Department of Business Economics and Public Policy. He studies behavioral economics and household finance, with a focus on low-income households. In a series of papers, Jeremy has found that psychologically-informed models of intertemporal choice help to explain patterns of simultaneous mid-life wealth accumulation and credit card borrowing in the United States. One line of ongoing work investigates why people borrow on payday loans and measures the individual-level effects of access to payday loan credit. A second major continuing project analyzes the design, adoption, and consequences of a retail rainfall insurance product in India. Jeremy is an NBER Faculty Research Fellow, and previously he was a Postdoctoral Research Fellow at the Department of Economics and Nuffield College, University of Oxford. He earned his Ph.D. in Economics from Harvard University.