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.
Category: Financial Inclusion
International Child Development Accounts
Sherraden, M., Cheng, L.-C., Ssewamala, F., Kim, Y., Loke, V., Zou, L., … Han, C.-K. (2018, July 30). International Child Development Accounts. In C. Franklin et al. (Eds.), Encyclopedia of Social Work. doi:10.1093/acrefore/9780199975839.013.1261
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
Financial Capability and Asset Building in Vulnerable Households: Theory and Practice
Sherraden, M. S., Birkenmaier, J., & Collins, J. M. (2018). Financial capability and asset building in vulnerable households: Theory and practice. New York, NY: Oxford University Press.
Universal and Progressive Child Development Accounts: A Policy Innovation to Reduce Educational Disparity
Sherraden, M., Clancy, M., Nam, Y., Huang, J., Kim, Y., Beverly, S. G., … Purnell, J. Q. (2018). Universal and progressive Child Development Accounts: A policy innovation to reduce educational disparity. Urban Education, 53(6), 806-833. doi:10.1177/0042085916682573
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
How Do Changes to 529 Rules Affect Children’s Savings Account Programs?
Clancy, M. M., Markoff, S., & King, J. (2018, May). How do changes to 529 rules affect children’s savings account programs? (CSD Research Brief No. 18-24). Washington, DC: Prosperity Now, Washington University, Center for Social Development, and New America.
The Pivotal Role of Human Service Practitioners in Building Financial Capability
Watson Grote, M. (2018, May). The pivotal role of human service practitioners in building financial capability (CSD Perspective No. 18-20). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7PG1R9S
Policy Recommendations for Financial Capability and Asset Building by Increasing Access to Safe, Affordable Credit
Birkenmaier, J., Despard, M. R., & Friedline, T. (2018, May). Policy recommendations for financial capability and asset building by increasing access to safe, affordable credit (Grand Challenges for Social Work initiative Policy Brief No. 11-2). Cleveland, OH: American Academy of Social Work & Social Welfare.
Next Steps: Whither Social Work Education and Financial Capability and Asset Building?
Coffey, D. S. (2018, May). Next steps: Whither social work education and financial capability and asset building (CSD Perspective No. 18-16). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7T72H1H
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
Faculty Perspectives on Financial Capability and Asset Building in Social Work Education: A Research Report
Sherraden, M. S., Huang, J., Johnson, L., Dore, P. Birkenmaier, J., Loke, V., & Hageman, S. (2018). Faculty perspectives on financial capability and asset building in social work education: A research report (CSD Research Report No. 18-14). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7RV0N7P
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M. M., Beverly, S. G., Sherraden, M. S., Schreiner, M., Elliott, W., III, Williams Shanks, T. R., Adams, D., Curley, J., Huang, J., Grinstein-Weiss, M., Nam, Y., Zhan, M., & Han, C. K. (2018, March 28). Asset building: Toward inclusive policy. In C. Franklin (Ed.), Encyclopedia of social work. https://doi.org/10.1093/acrefore/9780199975839.013.25
Family Assets, Parental Expectations, and Children Educational Performance: An Empirical Examination From China
Fang, S., Huang, J., Curley, J., & Birkenmaier, J. (2018). Family assets, parental expectations, and children educational performance: An empirical examination from China. Children and Youth Services Review, 87, 60–68. doi:10.1016/j.childyouth.2018.02.018
How Can States Seize the Moment and Reform College Savings?
King, J., & Clancy, M. M. (2018, March 22). How can states seize the moment and reform college savings? New America Weekly, edition 199.
Program Knowledge and Racial Disparities in Savings Outcomes in a Child Development Account Experiment
Nam, Y., Hole, E., Sherraden, M., & Clancy, M. M. (2018). Program knowledge and racial disparities in savings outcomes in a Child Development Account experiment. Journal of Family and Economic Issues, 39(1), 145–162. doi:10.1007/s10834-017-9544-5
Taking Child Development Accounts to Scale: Ten Key Policy Design Elements
Sherraden, M., Clancy, M., & Beverly, S. (2018, February). Taking Child Development Accounts to scale: Ten key policy design elements (CSD Policy Brief No. 18-08). St. Louis, MO: Washington University, Center for Social Development.
Financial Capability and Asset Building With Diverse Populations: Improving Financial Well-Being in Families and Communities
Birkenmaier, J., Sherraden, M. S., Frey, J. J., Callahan, C., & Santiago, A. M. (Eds.). (2018). Financial capability and asset building with diverse populations: Improving financial well-being in families and communities. New York, NY: Routledge.
Child Development Accounts and Saving for College: Mediated by Parental Educational Expectations?
Kim, Y., Huang, J., Sherraden, M., & Clancy, M. (2018). Child Development Accounts and saving for college: Mediated by parental educational expectations? Social Science Quarterly, 99(3), 1105–1118. doi:10.1111/ssqu.12479
School Banking as a Strategy for Strengthening Youth Economic Participation in Developing Countries: Lessons From YouthSave
Johnson, L., Lee, Y., Njenga, G., Kieyah, J., Osei-Akoto, I., Rodriguez, C. O., … Zou, L. (2018). School banking as a strategy for strengthening youth economic participation in developing countries: Lessons from YouthSave. Global Social Welfare, 5(4), 265–275. doi:10.1007/s40609-017-0109-1
FCAB: Using Evidence to Influence Policy and Practice Convening
January 10 to January 11, 2018, Council for Advancement and Support of Education, 1307 New York Ave NW, Suite 1000, Washington, DC
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.
529 Plan Investment Growth and a Quasi-Default Investment for Child Development Accounts
Clancy, M. M., & Beverly, S. G. (2017, November). 529 plan investment growth and a quasi-default investment for Child Development Accounts (CSD Policy Brief No. 17-42). St. Louis, MO: Washington University, Center for Social Development.
Qiong Ren Neng Zan Qian Ma [Can the Poor Save?]
Schreiner, M., & Sherraden, M. (2017). Qiong Ren Neng Zan Qian Ma [Can the poor save? Saving and asset building in Individual Development Accounts] (Trans Y. Sun). Beijing, China: Commercial Press.
Financial Literacy in China: Priorities and a Direction
Yuan, Y., & Jin, M. (2017). Financial literacy in China: Priorities and a direction (CSD Working Paper No. 17-37). St. Louis, MO: Washington University, Center for Social Development.
“Taking the Bank to the Youth:” Impacts on Saving and Asset Building From the Ghana YouthSave Experiment
Lee, Y. S., Johnson, L., Ansong, D., Osei-Akoto, I., Masa, R., Chowa, G., & Sherraden, M. (2017). “Taking the Bank to the Youth”: Impacts on savings from the Ghana YouthSave Experiment. Journal of International Development, 29(7), 936–947. doi:10.1002/jid.3315
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.
Financial Capability and Asset Building in the Curricula: Student Perceptions
Loke, V., Birkenmaier, J., & Hageman, S. A. (2017). Financial capability and asset building in the curricula: Student perceptions. Journal of Social Work Education, 53(1), 84-98. doi:10.1080/10437797.2016.1212751
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
Annual Report on the Head Start Family Financial Capability Program: 2015–2016
Curley, J., & Robertson, A. S. (2017). Annual report on the Head Start Family Financial Capability Program: 2015–2016 (CSD Research Report No. 17-32). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7416WMX
Statewide Child Development Account Policies: Key Design Elements
Clancy, M. M., & Beverly, S. G. (2017). Statewide Child Development Account policies: Key design elements (CSD Policy Report No. 17-30). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7G44PS2
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
For Their Financial Benefit: Determination of Financial Capability for Adult Beneficiaries of Social Security Disability
Birkenmaier, J., Aranda, M., Appelbaum, P. S., & Norman, M. A. (2017). For their financial benefit: Determination of financial capability for adult beneficiaries of Social Security Disability. Social Work, 62(3), 271–273. doi:10.1093/sw/swx020
Child Development Accounts, Parental Savings, and Parental Educational Expectations: A Path Model
Kim, Y., Huang, J., Sherraden, M., & Clancy, M. (2017). Child Development Accounts, parental savings, and parental educational expectations: A path model. Children and Youth Services Review, 79, 20–28. doi:10.1016/j.childyouth.2017.05.021
Asset Limits for Means-Tested Public Assistance: Considerations for Child Development Account Proponents
Beverly, S. G., & Clancy, M. M. (2017, April). Asset limits for means-tested public assistance: Considerations for Child Development Account proponents (CSD Policy Brief No. 17-24). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72R3R5X
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
Start Lifelong Asset Building With Universal and Progressive Child Development Accounts
Huang, J., Sherraden, M. S., Clancy, M. M., Sherraden, M., & Shanks, T. R. (2017, March). Start lifelong asset building with universal and progressive Child Development Accounts (Policy Action No. 11.1). Cleveland, OH: American Academy of Social Work & Social Welfare, Grand Challenges for Social Work initiative.
The Impacts of Individual Development Accounts, Assets, and Debt on Future Orientation and Psychological Depression
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
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
The Role of Parents in Introducing Children to Financial Services: Evidence From Ghana-YouthSave
Wu, S., Despard, M. R., & Chowa, G. (2017). The role of parents in introducing children to financial services: Evidence from Ghana-YouthSave. Journal of Family and Economic Issues, 38(3), 453–462. doi:10.1007/s10834-017-9519-6
Financial Capability
Sherraden, M. S. (2017). Financial capability. In C. Franklin et al. (Eds.), Encyclopedia of Social Work. doi:10.1093/acrefore/9780199975839.013.1201
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
Do Savings and Assets Reduce Need-Based Aid for Dependent Students?
Clancy, M., & Beverly, S. (2017, February). Do savings and assets reduce need-based aid for dependent students? (CSD Policy Brief No. 17-10). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7KW5FJX
Financial Capability and Asset Building in Social Work Education
Frey, J. J., Sherraden, M. S., Birkenmaier, J., & Callahan, C. (2017). Financial capability and asset building in social work education. Journal of Social Work Education, 53(1), 79–83. doi:10.1080/10437797.2016.1256170
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.
Unmarried Mothers and Children’s Social-Emotional Development: The Role of Child Development Accounts
Huang, J., Kim, Y., Sherraden, M., & Clancy, M. M. (2017). Unmarried mothers and children’s social-emotional development: The role of Child Development Accounts. Journal of Child and Family Studies, 26(1), 234–247. doi:10.1007/s10826-016-0551-1
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