Roll, S., Despard, M., & Miller, S. (2025). Retirement plan access among low-wage workers in 2024: Implications for SECURE 2.0 (CSD Research Brief No. 25-10). Washington University, Center for Social Development. https://doi.org/10.7936/k2wj-8b08
Category: Financial Inclusion
Auto-Enrollment, Auto-Escalation, and the Need for Retirement Plan Portability: Implications for SECURE 2.0
Roll, S., Despard, M., & Miller, S. (2025). Auto-enrollment, auto-escalation, and the need for retirement plan portability: Implications for SECURE 2.0 (CSD Research Brief No. 25-11). Washington University, Center for Social Development. https://doi.org/10.7936/xsyc-qw19
Moving Forward from SECURE 2.0: Building on the Law’s Most Effective Provisions, Closing the Access Gap, and Reforming Social Security
Sprick, E. (with Despard, M., & Roll, S.). (2025). Moving forward from SECURE 2.0: Building on the law’s most effective provisions, closing the access gap, and reforming social security. Bipartisan Policy Center. https://bipartisanpolicy.org/download/?file=/wp-content/uploads/2025/03/Moving-Forward-from-SECURE-2.0-BPC-CSD-Report.pdf
Fossil Fuel Wealth for Human Development: CDAs Continue in Kazakhstan with Second Year Deposits
Huseynli, A., & Sherraden, M. (2025). Fossil fuel wealth for human development: CDAs continue in Kazakhstan with second year deposits (CSD Policy Brief No. 25-05). Washington University, Center for Social Development. https://doi.org/10.7936/PBJS-4450
PCCI Direct Cash Transfer Project: Final Report
Hamilton, L., Roll, S., & Zhang, G. (2025). PCCI Direct Cash Transfer Project: Final Report. Appalachian State University, Family Economic Policy Lab. https://fepl.appstate.edu/wp-content/uploads/2025/02/PCCI-Cohort-2-Final-Report.pdf
Labor Outcomes of Mortgage Payment Subsidies for Unemployed Homeowners
Pierce, S. C., Brown, J. K., Moulton, S., Chun, Y. (2025). Labor outcomes of mortgage payment subsidies for unemployed homeowners. Journal of Housing Economics, 67, Article 102040. https://doi.org/10.1016/j.jhe.2024.102040
Designing Savings Accounts to Promote Asset Building for Individuals With Disabilities: Experimental Evidence on ABLE Accounts
Roll, S., Ferris, D., Bufe, S., & Kondratjeva, O. (2024). Designing savings accounts to promote asset building for individuals with disabilities: Experimental evidence on ABLE accounts. Journal of Disability Policy Studies. Advance online publication. https://doi.org/10.1177/10442073241304109
From Universal Basic Income to Universal Basic Assets: New Social Development Policies in the Age of AI
Huang, J. (2024). From universal basic income to universal basic assets: New docial development policies in the age of AI. Journal of Policy Practice & Research, 5, 146–152. https://doi.org/10.1007/s42972-024-00114-y
Democratizing the Economy or Introducing Economic Risk? Gig Work During the COVID-19 Pandemic
Auguste, D., Roll, S., & Despard, M. (2024). Democratizing the economy or introducing economic risk? Gig work during the COVID-19 pandemic. Work and Occupations, 51(4), 550–606. https://doi.org/10.1177/07308884231202032
The National Fund for Children in Kazakhstan
Huseynli, A., Zou, L., Sherraden, M., & Huang, J. (2024). The National Fund for Children in Kazakhstan (Policy Brief No. 24-17). Washington University, Center for Social Development. https://doi.org/10.7936/sdeb-m075
Does Guaranteed Income Build Assets for Black Women? Evidence from the In Her Hands Program
Roll, S., Elliott, D., Smith, S., Quick, A., Brugger, L., Davis, S., & Hamilton, L. (2024). Does guaranteed income build assets for Black women? Evidence from the In Her Hands program (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24452
The (Unknown) Children’s Savings Accounts Federal Policy Landscape
Boshara, R. (2024). The (unknown) children’s savings accounts federal policy landscape (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24443
Child Development Accounts and the SEED for Oklahoma Kids Experiment: Evidence and Impacts
Huang, J., Sherraden, M., Clancy, M. M., Beverly, S. G., & Schreiner, M. (2024). Child Development Accounts and the SEED for Oklahoma Kids experiment: Evidence and impacts (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24411
Inclusive Children’s Accounts: Toward Lifelong Asset Building for All
Sherraden, M., Clancy, M. M., Huang, J., Shanks, T., & Elliott, W. (2024). Inclusive children’s accounts: Toward lifelong asset building for all (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24440
Delivering Financial Guidance: Institutional Assessment and Directions for Inclusion
Sherraden, M. S., Huang, J., & Johnson, L. (2024). Delivering financial guidance: Institutional assessment and directions for inclusion (CSD Working Paper No. 24-09). Washington University, Center for Social Development.
Meeting the Grand Challenge to Build Financial Capability and Assets for All; Social Workers: A Ready Workforce for Building Financial Capability in Underserved Households
Sherraden, M. S., Huang, J., & Johnson, L. (2024, July). Meeting the grand challenge to build financial capability and assets for all; Social workers: A ready workforce for building financial capability in underserved households (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-SW-FCAB-workforce_FINAL.pdf
Meeting the Grand Challenge to Build Financial Capability and Assets for All; Strengthen the Consumer Financial Protection Bureau
Birkenmaier, J., & Huang, J. (2024, July). Meeting the grand challenge to build financial capability and assets for all; Strengthen the Consumer Financial Protection Bureau (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-CFPB_FCAB_PB_FINAL.pdf
Eliminate Racism, Reduce Extreme Economic Inequality, and Build Financial Capabilities and Assets for All; Universal Child Development Accounts to Develop All Children and Reduce Racial Wealth Inequality
Huang, J., Shanks, T. R., Teasley, M., Spencer, M., & Sherraden, M. (2024, July). Eliminate racism, reduce extreme economic inequality, and build financial capabilities and assets for all; Universal Child Development Accounts to develop all children and reduce racial wealth inequality (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-CDAs_FINAL.pdf
Asset-Building Policy and Black Reparations: Effective Delivery and Wealth Accumulation
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). Asset-building policy and Black reparations: Effective delivery and wealth accumulation (CSD Research Brief No. 24-07). Washington University, Center for Social Development. https://doi.org/10.7936/4tyz-z454
A Policy Platform to Deliver Black Reparations: Building on Evidence from Child Development Accounts
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). A policy platform to deliver Black reparations: Building on evidence from Child Development Accounts. RSF: The Russell Sage Foundation Journal of the Social Sciences, 10(3), 92–111. https://doi.org/10.7758/RSF.2024.10.3.05
Child Savings Accounts and Other Tax-Advantaged Accounts Benefiting American Children: Testimony Before the U.S. Senate Committee on Finance
Elliott, W. (2024, May). Child Savings Accounts and other tax-advantaged accounts benefiting American children: Testimony Before the U.S. Senate Committee on Finance (CSD Perspective No. 24-05). Washington University, Center for Social Development, and University of Michigan, Center on Assets, Education, and Inclusion. https://doi.org/10.7936/ezhm-qb08
Wealth-Building for All Children: Convergence and Evidence to Support a Nationwide Policy
Huang, J., Shanks, T. R., Clancy, M. M., Elliott, W., III, & Sherraden, M. (2024). Wealth-building for all children: Convergence and evidence to support a nationwide policy (CSD Policy Brief No. 24-04). Washington University, Center for Social Development. https://doi.org/10.7936/kyht-rv07
How Financial Resilience Shapes Social and Public Health Policy Choices in Africa: Empirical Insights from the COVID-19 Pandemic
Okumu, M., Ansong, D., Koomson, I., & Chen, D. G. (2024). How financial resilience shapes social and public health policy choices in Africa: Empirical insights from the COVID-19 pandemic. Journal of the Society for Social Work and Research, 15(1), 43-67. https://doi.org/10.1086/717770
Report on a Seminar on Financial Capability and Asset Building Organised for Social Work Practitioners
Naami, A., Dako-Gyeke, M., Mills, A. A., & Ampomah, A. (2024, March). Report on a seminar on financial capability and asset building organised for social work practitioners (CSD Research Report No. 24-02). Washington University, Center for Social Development. https://doi.org/10.7936/n61e-dm86
Financial Capability Training for Social Workers in Singapore: Towards More Effective Practice
V., D., Ghoh, C., & Sherraden, M. S. (2024). Financial capability training for social workers in Singapore: Towards more effective practice. International Social Work, 67(2), 346–359. https://doi.org/10.1177/00208728221150901
Cultivating financial resilience to combat labor trafficking in Africa

In southern Africa and elsewhere, high vulnerability to poverty and false promises of employment lure many youth from their homes into the hands of traffickers who exploit them through forced labor. A new project from the Center for Social Development (CSD) initiative on Financial Capability and Asset Building in Africa (FCAB Africa) focuses on reducing […]
Parental Views on Universal Asset-Building Policy for All Children
Huang, J., Beverly, S. G., Clancy, M. M., & Sherraden, M. (2024). Parental views on universal asset-building policy for all children. Child & Family Social Work, 29(2), 584–586. https://doi.org/10.1111/cfs.13103
Expanded Child Tax Credits: A Transformational Opportunity to Help Families Put Food on the Table
Beaudoin, S., Lacko, A., Ashbrook, A. (2023). Expanded Child Tax Credits: A transformational opportunity to help families put food on the table (FRAC Research Brief). Food Research and Action Center. https://frac.org/wp-content/uploads/Expanded-Child-Tax-Credits-Research-Brief.pdf
Financial Capability and Asset Building: Innovations in Social Protection and Development
Ansong, D., Okumu, M., Huang, J., Sun, S., Huseynli, A., Koomson, I., Chowa, G., Ssewamala, F., Sherraden, M. S., & Sherraden, M. (2023). Financial capability and asset building: innovations in social protection and development. In L. Patel, S. Plagerson, & I Chinyoka (Eds.), Handbook on social protection and social development in the global South (pp. 308–330). Edward Elgar Publishing. https://doi.org/10.4337/9781800378421.00033
How Did Reskilling During the COVID-19 Pandemic Relate to Entrepreneurship and Optimism? Barriers, Opportunities, and Implications for Equity
Abstract With shorter durations and fewer barriers to entry, reskilling programs may serve as vehicles for social mobility and equity, as well as tools for creating a more adaptive workforce and inclusive economy. Nevertheless, much of the limited large-scale research on these types of programs was conducted prior to the COVID-19 pandemic. Thus, given the […]
The Case for Early Wealth Building Accounts
Abstract Aspen FSP research on the Future of Wealth has shown that to succeed in the United States economy, people need to enter adulthood–a life stage when many critical investments are made – with a substantial amount of money to invest in themselves and their future. The importance of what we’re calling “investable sums” in young adulthood […]
How Would Americans Respond to Direct Cash Transfers? Results from Two Survey Experiments
Abstract Universal basic income has gained renewed interest among policy makers and researchers in the United States. Although research indicates that unconditional cash transfers produce diverse benefits for households, public support lags in part because of predicted unemployment and frivolous spending. To understand how Americans would reorganize their lives around unconditional cash transfers, this article […]
What It’s Worth: Strengthening the Financial Future of Families
Sherraden, M., & Sherraden, M. S. (2023). What it’s worth: Strengthening the financial future of families. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 13). East China University of Science and Technology Press.
Systematic Review on Financial Literacy
Jin, M., & Yuan, Y. (2023). Systematic review on financial literacy. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 12). East China University of Science and Technology Press.
Financial Risk and Financial Capability Among Youth
Zhou, X., Zou, Y., & Huang, J. (2023). Financial risk and financial capability among youth. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 11). East China University of Science and Technology Press.
Financial Capability and Relative Poverty
Fang, S., & Wang, Y. (2023). Financial capability and relative poverty. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 10). East China University of Science and Technology Press.
Child Development Accounts
Huang, J., & Zou, L. (2023). Child Development Accounts. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 8). East China University of Science and Technology Press.
Child Welfare and Protection and Poverty Alleviation
Zhang, Y., & Huang, J. (2023). Financial social work and poverty alleviation. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 5). East China University of Science and Technology Press.
Financial Social Work and Poverty Alleviation
Zhang, Y., & Huang, J. (2023). Financial social work and poverty alleviation. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 5). East China University of Science and Technology Press.
The Risk of Poverty Over the Life Course and Asset Building
Deng, S. (2023). The risk of poverty over the life course and asset building. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 4). East China University of Science and Technology Press.
Financial Capability
Sherraden, M. S. (2023). Financial capability. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 2). East China University of Science and Technology Press.
Determinants of Asset Building
Beverly, S. G., Sherraden, M., Cramer, R., Shanks, T. R., & Nam, Y. (2023). Determinants of asset building. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 1). East China University of Science and Technology Press.
资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in antipoverty social work: Development, dialogue, and insights]
Deng, S., Huang, J., Fang, S., & Zhou, X. (Eds.). (2023). 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights]. East China University of Science and Technology Press.
The Effectiveness of Financial Capability and Asset Building Interventions in Improving Youth’s Educational Well-Being: A Systematic Review
Ansong, D., Okumu, M., Nyon, T., Appiah Kubi, J., Amoako, E. O., Koomson, I., Conklin, J. (2023). The effectiveness of financial capability and asset building interventions in improving youth’s educational well-being: A systematic review. Adolescent Research Review. Advance online publication. https://doi.org/10.1007/s40894-023-00223-x
My Alfond Grant CDA: Experience From 10 Years of Automatic Deposits for All Maine Newborns
Quint, C. J., & Clancy, M. M. (2023, June). My Alfond Grant CDA: Experience From 10 years of automatic deposits for all Maine newborns (CSD Policy Brief No. 23-19). Washington University, Center for Social Development. https://doi.org/10.7936/9tx1-hf90
Child Well-Being Policies in Post-Soviet Countries: The Potential of Child Development Accounts
Huseynli, A., & Sherraden, M. (2023, June). Child well-being policies in post-Soviet countries: The potential of Child Development Accounts (CSD Policy Brief No. 23-18). Washington University, Center for Social Development. https://doi.org/10.7936/8f0m-qs76
Policy, Practice, and Institutional Barriers to Financial Capability and Asset Building Related to Race (Racism) in the United States
Jones, J. L., Birkenmaier, J., Johnson, L., McClendon, G. G., Nam, Y., Huang, J., & Onifade, E. (2023). Policy, practice, and institutional barriers to financial capability and asset building related to race (racism) in the United States. In M. L. Teasley, M. S. Spencer, & M. Bartholomew (Eds.), Social work and the Grand Challenge of Ending Racism: Concepts, theory, and evidence based approaches (Chap. 21). Oxford University Press.
Understanding the Use of Digital Finance Among Older Internet Users in Urban China: Evidence From an Online Convenience Sample
Zeng, Y., & Li, Y. (2022). Understanding the use of digital finance among older internet users in urban China: Evidence from an online convenience sample. Educational Gerontology, 49(6), 477–490. https://doi.org/10.1080/03601277.2022.2126341
“It helped us more than I could have imagined”: How the 2021 Expanded Child Tax Credit Supported Families Raising Children with Disabilities
Summary The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6). In […]
Expanded Child Tax Credit Payments Supported Families Raising Children with Disabilities
Summary The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6). In […]