The study looked at how people protect their home equity from bankruptcy by investing more in their homes. They used data from US households between 1996-2006 and found that those with low wealth tend to keep more of their money in their homes if they can protect it from bankruptcy. This is especially true for households with sick members, mortgage debt, short house ownership, and younger heads of households. These findings show that people facing financial uncertainty are more likely to rely on their homes to safeguard their wealth.