Davison, G., Frank-Miller, E., Roll, S. P., & Grinstein-Weiss, M. (2018). Promoting savings at tax time: Insights from online and in-person tax preparation services (CSD Research Report 18-33). St. Louis, MO: Washington University, Center for Social Development.
Category: Financial Behaviors
The State of State EITCs: An Overview and Their Implications for Low- and Moderate-Income Households
Davison, G., Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2018, January). The state of state EITCs: An overview and their implications for low- and moderate-income households (CSD Research Brief No. 18-04). St. Louis, MO: Washington University, Center for Social Development.
The Mediating Role of Assets in Explaining Hardship Risk Among Households Experiencing Financial Shocks
Despard, M. R., Guo, S., Grinstein-Weiss, M., Russell, B., Oliphant, J. E., & deRuyter, A. (2018). The mediating role of assets in explaining hardship risk among households experiencing financial shocks. Social Work Research, 42(3), 147–158. doi:10.1093/swr/svy012
Refund to Savings 2015–2016: Field Experiments to Promote Tax-Time Saving in Low- and Moderate-Income Households
Roll, S. P., Davison, G., Grinstein-Weiss, M., Despard, M. R., & Bufe, S. (2018). Refund to Savings 2015–2016: Field experiments to promote tax-time saving in low- and moderate-income households (CSD Research Report No. 18-28). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72J6BD5
A Toolkit for Expanding Financial Capability at Tax Time
Davison, G., Covington, M., Kondratjeva, O., Roll, S. P., & Grinstein-Weiss, M. (2018, June). A toolkit for expanding financial capability at tax time (CSD Toolkit No. 18-26). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7T1536V
Responses to and Repercussions From Income Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Holub, K., Bufe, S., & Grinstein-Weiss, M. (2017, December). Responses to and repercussions from income volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
The Experience of Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Bufe, S., Lynne, G., & Grinstein-Weiss, M. (2017, October). The experience of volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
Effects of a Tax-Time Savings Experiment on Material and Health Care Hardship Among Low-Income Filers
Despard, M. R., Taylor, S. H., Ren, C., Russell, B. D., Grinstein-Weiss, M., & Raghavan, R. (2018). Effects of a tax-time savings experiment on material and health care hardship among low-income filers. Journal of Poverty, 22(1), 156–178. doi:10.1080/10875549.2017.1348431
Workplace Financial Wellness Services: A Primer for Employers
Center for Social Development & Prosperity Now. (2017). Workplace financial wellness services: A primer for employers (CSD Toolkit No. 17-33). St. Louis, MO: Authors. https://doi.org/10.7936/K7G73D6S
Employee Financial Wellness Programs Project: Comprehensive Report of Findings
Frank-Miller, E., Covington, M., Despard, M. R., Hannon, G., & Grinstein-Weiss, M. (2017). Employee Financial Wellness Programs project: Comprehensive report of findings (CSD Research Report No. 17-31). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7S46RFZ
Effects of a Tax-Time Savings Intervention on Use of Alternative Financial Services Among Lower-Income Households
Despard, M. R., Grinstein-Weiss, M., Ren, C., Guo, S., & Raghavan, R. (2017). Effects of a tax-time savings intervention on use of alternative financial services among lower-income households. Journal of Consumer Affairs, 51(2), 355–379. doi:10.1111/joca.12138
Employee Financial Wellness Programs: A Review of the Literature and Directions for Future Research
Hannon, G., Covington, M., Despard, M. R., Frank-Miller, E., & Grinstein-Weiss, M. (2017). Employee financial wellness programs: A review of the literature and directions for future research (CSD Working Paper No. 17-23). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7WW7H5C
Behavioral Interventions to Increase Tax-Time Saving: Evidence From a National Randomized Trial
Grinstein-Weiss, M., Russell, B. D., Gale, W. G., Key, C., & Ariely, D. (2017). Behavioral interventions to increase tax-time saving: Evidence from a national randomized trial. Journal of Consumer Affairs, 51(1), 3–26. doi:10.1111/joca.12114
Assessing Retirement Needs and Interest in myRa: Findings From the Refund to Savings Initiative
Roll, S. P., Oliphant, J. E., Perantie, D. C., Grinstein-Weiss, M., & Davison, G. (2017). Assessing retirement needs and interest in myRA: Findings from the Refund to Savings Initiative (CSD Research Report No. 17-16). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K74749DH
Coping With a Crisis: Financial Resources Available to Low- and Moderate-Income Households in Emergencies
Perantie, D. C., Roll, S. P., Oliphant, J. E., Guo, S., & Grinstein-Weiss, M. (2017, February). Coping with a crisis: Financial resources available to low- and moderate-income households in emergencies (CSD Research Brief No. 17-11). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7M32V90
The Role of Choice Architecture in Promoting Saving at Tax Time: Evidence From a Large-Scale Field Experiment
Grinstein-Weiss, M., Cryder, C., Despard, M. R., Perantie, D. C., Oliphant, J. E., & Ariely, D. (2017). The role of choice architecture in promoting saving at tax time: Evidence from a large-scale field experiment (CSD Working Paper No. 17-29). St. Louis, MO: Washington University, Center for Social Development.
Home Delinquency Rates Are Lower Among ACA Marketplace Households: Evidence From a Natural Experiment
Gallagher, E. A., Gopalan, R., Grinstein-Weiss, M., Roll, S. P., & Davison, G. ( 2017, January). Home delinquency rates are lower among ACA Marketplace households: Evidence from a natural experiment (CSD Research Brief No. 17-01). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72B8XJP
Do Tax-Time Savings Deposits Reduce Hardship Among Low-Income Filers? A Propensity Score Analysis
Grinstein-Weiss, M., Despard, M. R., Guo, S., Russell, B., Key, C., & Raghavan, R. (2016). Do tax-time savings deposits reduce hardship among low-income filers? A propensity score analysis. Journal of the Society for Social Work and Research, 7(4), 707–728. doi:10.1086/689357
Financial Anxiety in Low- and Moderate-Income Households: Findings From the Household Financial Survey
Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2016, October). Financial anxiety in low- and moderate-income households: Findings from the Household Financial Survey (CSD Research Brief No. 16-42). St. Louis, MO: Washington University, Center for Social Development.
Student Debt and Hardship: Evidence From a Large Sample of Low- and Moderate-Income Households
Despard, M. R., Perantie, D. C., Taylor, S. H., Grinstein-Weiss, M., Friedline, T., & Raghavan, R. (2016). Student debt and hardship: Evidence from a large sample of low- and moderate-income households. Children and Youth Services Review, 70, 8–18. doi:10.1016/j.childyouth.2016.09.001
Leveraging Tax Time to Build Financial Capability: Research Evidence and Policy Directions
Covington, M., Oliphant, J. E., & Grinstein-Weiss, M. (2016). Leveraging tax time to build financial capability: Research evidence and policy directions (CSD Conference Proceeding No. 16-27). St. Louis, MO: Washington University, Center for Social Development.
The Role of Health Insurance in the Financial Lives of Low- and Moderate-Income Households
Despard, M. R., Roll, S. P., Perantie, D. C., Oliphant, J. E., & Grinstein-Weiss, M. (2016, July). The role of health insurance in the financial lives of low- and moderate-income households (CSD Research Brief No. 16-26). St. Louis, MO: Washington University, Center for Social Development.
Racial Disparities in Student Debt: Evidence From the Refund to Savings Initiative
Taylor, S. H., Perantie, D. C., Kantor, N., Grinstein-Weiss, M., Guo, S., & Raghavan, R. (2016, May). Racial disparities in student debt: Evidence from the Refund to Savings Initiative (CSD Research Brief No. 16-14). St. Louis, MO: Washington University, Center for Social Development.
The Burden of Student Debt: Findings From a Survey of Low- and Moderate-Income Households
Despard, M. R., Taylor, S. H., Perantie, D. C., & Grinstein-Weiss, M. (2016, May). The burden of student debt: Findings from a survey of low- and moderate-income households (CSD Research Brief No. 16-15). St. Louis, MO: Washington University, Center for Social Development.
Racial Disparities in Education Debt Burden Among Low- and Moderate-Income Households
Grinstein-Weiss, M., Perantie, D. C., Taylor, S. H., Guo, S., & Raghavan, R. (2016). Racial disparities in education debt burden among low- and moderate-income households. Children and Youth Services Review, 65, 166–174. doi:10.1016/j.childyouth.2016.04.010
Characteristics and Hardships Associated With Bank Account Ownership Among Refund to Savings Participants
Grinstein-Weiss, M., Perantie, D. C., Oliphant, J. E., deRuyter, A., & Despard, M. R. (2016, March). Characteristics and hardships associated with bank account ownership among Refund to Savings participants (CSD Research Brief No. 16-09). St. Louis, MO: Washington University, Center for Social Development.
Support for a Tax-Time Savings Policy: Interest in Deferring Tax Refunds With Matched Incentives
Perantie, D. C., Oliphant, J. E., & Grinstein-Weiss, M. (2016, January). Support for a tax-time savings policy: Interest in deferring tax refunds with matched incentives (CSD Research Brief No. 16-03). St. Louis, MO: Washington University, Center for Social Development.
Use of Alternative Financial Services Among Low- and Moderate-Income Households: Findings From a Large-Scale National Household Financial Survey
Despard, M. R., Perantie, D. C., Luo, L., Oliphant, J., & Grinstein-Weiss, M. (2015, November). Use of alternative financial services among low- and moderate-income households: Findings from a large-scale national Household Financial Survey (CSD Research Brief No. 15-57). St. Louis, MO: Washington University, Center for Social Development.
The Volunteer Income Tax Preparer’s Toolkit: Showing Clients Why Tax Time Is the Right Time to Save
Covington, M., Oliphant, J., Perantie, D., & Grinstein-Weiss, M. (2015, September). The volunteer income tax preparer’s toolkit: Showing clients why tax time is the right time to save (CSD Toolkit No. 15-56). St. Louis, MO: Washington University, Center for Social Development.
Do EITC Recipients Use Their Tax Refunds to Get Ahead? Evidence From the Refund to Savings Initiative
Despard, M. R., Perantie, D. C., Oliphant, J., & Grinstein-Weiss, M. (2015, July). Do EITC recipients use their tax refunds to get ahead? Evidence from the Refund to Savings initiative (CSD Research Brief No. 15-38). St. Louis, MO: Washington University in St. Louis, Center for Social Development.
Refund to Savings: Creating Contingency Savings at Tax Time
Grinstein-Weiss, M., Comer, K., Russell, B. D., Key, C., Perantie, D., & Ariely, D. (2015). Refund to Savings: Creating contingency savings at tax time. In J. M. Collins (Ed.), A fragile balance: Emergency savings and liquid resources for low-income consumers (pp. 87–106). New York, NY: Palgrave Macmillan.
Does Unsecured Debt Decrease Savings? Evidence From the Refund to Savings Initiative
Grinstein-Weiss, M., Oliphant, J., Russell, B. D., & Boshara, R. (2015, March). Does unsecured debt decrease savings? Evidence from the Refund to Savings Initiative (CSD Research Brief No. 15-16). St. Louis, MO: Washington University, Center for Social Development.
Refund to Savings 2013: Comprehensive Report on a Large-Scale Tax-Time Saving Program
Grinstein-Weiss, M., Perantie, D. C., Russell, B. D., Comer, K., Taylor, S. H., Luo, L., Key, C., & Ariely, D. (2015). Refund to Savings 2013: Comprehensive report on a large-scale tax-time saving program (CSD Research Report No. 15-06). St. Louis, MO: Washington University, Center for Social Development.
Lack of Emergency Savings Puts American Households at Risk
Grinstein-Weiss, M., Russell, B., Tucker, B., Comer, K. (2014, June). Lack of emergency savings puts American households at risk: Evidence from the Refund to Savings Initiative (CSD Policy Brief No. 14-13). St. Louis, MO: Washington University, Center for Social Development.
Refund to Savings: 2013 Results From a National Experiment to Build Financial Stability at Tax Time
Grinstein-Weiss, M., Comer, K., Russell, B., Key, C., Perantie, D. C., & Ariely, D. (2014, February). Refund to Savings: 2013 results from a national experiment to build financial stability at tax time (CSD Research Brief No. 14-04). St. Louis: Washington University, Center for Social Development.
Refund to Savings: 2013 Evidence of Tax-Time Saving in a National Randomized Control Trial
Grinstein-Weiss, M., Comer, K., Russell, B., Key, C., Perantie, D. C., & Ariely, D. (2014). Refund to Savings: 2013 evidence of tax-time saving in a national randomized control trial (CSD Research Report No. 14-03). St. Louis: Washington University, Center for Social Development.
Account Use and Demand for Tax-Refund Savings Vehicles: Evidence From the Refund to Savings Experiment
Grinstein-Weiss, M., Tucker, J., Key, C., Holub, K., & Ariely, D. (2013, May). Account use and demand for tax-refund saving vehicles: Evidence from the Refund to Savings experiment (CSD Research Brief 13-13). St. Louis, MO: Washington University, Center for Social Development.
Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment
Key, C., Grinstein-Weiss, M., Tucker, J., Holub, K., & Ariely, D. (2013, May). Saving behavior in response to motivational prompts: Evidence from the Refund to Savings experiment (CSD Research Brief No. 13-12). St. Louis, MO: Washington University, Center for Social Development.
Refund to Savings (R2S): Insight From the Field, 2012
Holub, K., Grinstein-Weiss, M., Key, C., & Ariely, D. (2013). Refund to Savings (R2S): Insight from the field, 2012 (CSD Research Report No. 13-11). St. Louis, MO: Washington University, Center for Social Development.