I am interested in how people manage risks over their life-cycles and in how much scope there is for public policy to reduce human inequality. What are the labour market consequences of ill health? How to efficiently design disability schemes? What can we say about individuals investing their wealth very inefficiently? Why do some people invest in the stock market and many do not? What influences retirement decisions? How do wages evolve over time in different occupations? I address these types of questions by combining innovative data, economic models, and up-to-date econometric methods.