The Downpayments on the American Dream Policy Demonstration (ADD) is the first large-scale demonstration of Individual Development Accounts (IDAs), with approximately 2,400 accounts opened at 13 sites across the country. We led the research design and dissemination for this demonstration, designing a multipronged approach that included both quantitative and qualitative research methods. An experimental design was executed at the ADD […]
Huang, J. (2009). IDAs, saving taste, and household wealth: Evidence from the American Dream Demonstration (CSD Working Paper No. 09-27). St. Louis, MO: Washington University, Center for Social Development.
Putnam, M., Sherraden, M., Zhang, L., & Morrow-Howell, N. (2008). Age differences in IDA savings outcomes: Findings from the American Dream Demonstration. Journal of Aging and Social Policy, 20(1), 45–64. doi:10.1300/J031v20n01_03
Sherraden, M. (2008). IDAs and asset-building policy: Lessons and directions (CSD Working Paper No. 08-12). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Wagner, K., & Edwards, K. (2005). Diffusion of policy innovation: The case of Individual Development Accounts (IDAs) as an asset-building policy (CSD Working Paper No. 05-08). St. Louis, MO: Washington University, Center for Social Development.
Reid, C. K. (2005). Achieving the American dream? A longitutinal analysis of the homeownership experiences of low-income households (CSD Working Paper No. 05-20). St. Louis, MO: Washington University, Center for Social Development.
Mills, G. (2005). Evaluation of the American Dream Demonstration: Impacts of IDAs on participant savings and asset ownership (CSD Research Report No. 05-34). St. Louis, MO: Washington University, Center for Social Development.
Adams, D. (2005). ADD implementation assessment: Design, implementation, and administration of Individual Development Account programs in the American Dream Demonstration (CSD Research Report No. 05-33). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. (2005, April). Inclusion in asset building: Testimony for hearing on “Building Assets for Low-Income Families” before the Subcommitte on Social Security and Family Policy Senate Finance Committee (CSD Perspective No. 05-24). St. Louis, MO: Washington University, Center for Social Development.
Nares, P. (2005). The impacts of the American Dream Demonstration on savings and asset-building in Canada (CSD Report No. 05-40). St. Louis, MO: Washington University, Center for Social Development.
Friedman, R. (2005). Hope in concrete form: The downpayments on the American Dream Demonstration: Conception, contributions, challenges, and consequences (CSD Report No. 05-37). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M., McBride, A. M., Johnson, E., Hanson, S., Ssewamala, F., & Williams Shanks, T. (2005). Saving in low-income households: Evidence from interviews with participants in the American Dream Demonstration (CSD Report No. 05-68). St. Louis, MO: Washington University, Center for Social Development.
Barr, M. S. (2005). Financial services and savings: Theory and evidence from the American Dream Demonstration (CSD Report No. 05-35). St. Louis, MO: Washington University, Center for Social Development.
April 20, 2005, St. Louis, Missouri
Putnam, M., Morrow-Howell, N., Zhang, L., Sherraden, M. (2004). Savings outcomes of older adults participating IDAs: Findings from the American Dream Demonstration (CSD Research Report). St. Louis, MO: Washington University, Center for Social Development.
Putnam, M., Morrow-Howell, N., Zhang, L., Sherraden, M. (2004). Profile of older adults participating IDAs: Findings from the American Dream Demonstration (CSD Research Report). St. Louis, MO: Washington University, Center for Social Development.
Ssewamala, F. M., & Sherraden, M. (2004). Saving for microenterprise in Individual Development Accounts: Lessons from the American Dream Demonstration (CSD Report No. 04-18). St. Louis, MO: Washington University, Center for Social Development.
Mills, G., Patterson, R., Orr, L., & DeMarco, D. (2004). Evaluation of the American Dream Demonstration: Final evaluation report. Cambridge, MA: Abt Associates, Inc.
Boshara, R. (2003). Federal policy and asset building (CSD Working Paper No. 03-03). St. Louis, MO: Washington University, Center for Social Development.
Page-Adams, D. (2002). Design, implementation, and administration of Individual Development Account programs, downpayments on the American Dream Policy Demonstration: A national demonstration of individual development accounts (CSD Report No. 02-13). St. Louis, MO: Washington University, Center for Social Development.
Schreiner, M., Clancy, M., & Sherraden, M. (2002). Saving performance in the American Dream Demonstration: A national demonstration of Individual Development Accounts (CSD Report No. 02-15). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. (2001). Youth service as strong policy (CSD Working Paper No. 01-12). St. Louis, MO: Washington University, Center for Social Development.
Johnson, E., Hinterlong, J., Sherraden, M., & Moore, A. (2001). Advancing community development and public policy through an MIS-enhanced network (CSD Working Paper No. 01-4). St. Louis, MO: Washington University, Center for Social Development.
Clancy, M., Johnson, L., & Schreiner, M. (2001). Savings deposits, incentive structure, and management information systems: Implications for research on a children and youth savings account policy demonstration (CSD Report No. CYASPD 01-01). St. Louis, MO: Washington University, Center for Social Development.
Clancy, M., Johnson, L., & Schreiner, M. (2001). Experience in the American Dream Demonstration: Lessons for monitoring in a children and youth savings account policy demonstration (CSD Report No. CYSAPD 01-12). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. (2001, October). Toward a universal and progressive asset-based domestic policy: Annual meeting of the Labour Party, United Kingdom (CSD Perspective No. 01-20). St. Louis, MO: Washington University, Center for Social Development.
Schreiner, M. (2000). A framework for financial benefit-cost analysis of Individual Development Accounts at the experimental site of the American Dream Demonstration (CSD Report No. 00-31). St. Louis, MO: Washington University, Center for Social Development.
Schreiner, M. (2000). Resources used to produce Individual Development Accounts in the first two years of the experimental program of the American Dream Demonstration at the Community Action Project of Tulsa County (CSD Report No. 00-37). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. (2000). Asset building policy and programs for the poor (CSD Policy Report No. 00-32). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. (2000, May). From research to policy: Lessons from Individual Development Accounts (CSD Perspective No. 00-24). St. Louis, MO: Washington University, Center for Social Development.
Scanlon, E. (1999). The impact of homeownership on the life satisfaction of African-Americans (CSD Working Paper No. 99-4). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M., Page-Adams, D., & Johnson, L. (with Scanlon, E., Curley, J., Zhan, M., Bady, A., & Hinterlong, J.). (1999). Downpayments on the American Dream Policy Demonstration (CSD Research Report No. 99-26). St. Louis, MO: Washington University, Center for Social Development.
Scanlon, E. (1998). Low-income homeownership policy as a community development strategy. Journal of Community Practice, 5(1/2), 137–154. doi:10.1300/J125v05n01_09
Individual Development Accounts (IDAs) are matched savings for particular purposes. IDAs enable low-wealth families to save and enter the financial mainstream. IDAs also provide low-income families with an opportunity to build assets and reach life goals. Like 401(k)s, where an employer matches an employee’s savings, IDAs encourage savings by offering a match on deposits (often 1:1 or […]
In the 21st century the world is highly financialized, and income alone is not a sufficient support for millions of households. All people require access to safe financial products and services as well as sound financial knowledge. In addition, all families should be able to accumulate assets for their security and long-term development. Since its inception, CSD […]
Rohe, W. M., Key, C., Grinstein-Weiss, M., Schreiner, M., & Sherraden, M. (2017). The impacts of Individual Development Accounts, assets, and debt on future orientation and psychological depression. Journal of Policy Practice, 16(1), 24–45. doi:10.1080/15588742.2015.1125329
Grinstein-Weiss, M., Sherraden, M., Gale, W. G., Rohe, W. M., Schreiner, M., Key, C., & Oliphant, J. E. (2015). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment. Journal of Gerontological Social Work, 58(6), 572–589. doi:10.1080/01634372.2015.1052174
Grinstein-Weiss, M., Key, C., & Carrillo, S. (2015). Homeownership, the Great Recession, and wealth: Evidence from the Survey of Consumer Finances. Housing Policy Debate, 25(3), 419–445. doi:10.1080/10511482.2014.971042
Grinstein-Weiss, M., Guo, S., Reinertson, V., & Russell, B. (2015). Financial education and savings outcomes for low-income IDA participants: Does age make a difference? Journal of Consumer Affairs, 49(1), 156–185. doi:10.1111/joca.12061
Greenberg, D. (2012). A cost-benefit analysis of Tulsa’s IDA program: Findings from a long-term follow-up of a random assignment social experiment (CSD Working Paper No. 12-58). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment (CSD Working Paper No. 12-54). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Sherraden, M., Rohe, W. M., Gale, W., Schreiner, M., & Key, C. (2012). Long-term follow-up of Individual Development Accounts: Evidence from the ADD experiment (CSD Report 12-43). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Individual Development Accounts and post-secondary education: Evidence from a randomized experiment (CSD Working Paper No. 12-21). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2011). Ten-year impacts of Individual Development Accounts on homeownership: Evidence from a randomized experiment (CSD Working Paper No. 11-07). St. Louis, MO: Washington University, Center for Social Development.
Sherraden, M. S., & McBride, A. M. (with Beverly, S. G.). (2010). Striving to save: Creating policies for financial security of low-income families. Ann Arbor: University of Michigan Press.
Rothwell, D. (2009). Asset building among Native Hawaiians: Lessons from the Kahikū IDA program (CSD Working Paper No. 09-26). St. Louis, MO: Washington University, Center for Social Development.
Rothwell, D., & Han, C.-K. (2009). Second thoughts: Who almost participates in an IDA? (CSD Working Paper No. 09-25). St. Louis, MO: Washington University, Center for Social Development.
Lombe, M., Huang, J., Putnam, M., & Cooney, K. (2008). Exploring saving performance in an IDA for people with disabilities: Some preliminary findings (CSD Working Paper No. 08-27). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., Yeo, Y. H., Despard, M. R., & Zhan, M. (2008). Does banking experience matter: Differences of the banked and unbanked in Individual Development Accounts (CSD Working Paper No. 08-08). St. Louis, MO: Washington University, Center for Social Development.
Grinstein-Weiss, M., & Irish, K. (2007). Individual Development Accounts: Frequently asked questions (CSD Perspective No. 07-09). St. Louis, MO: Washington University, Center for Social Development.