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.
Category: Financial Inclusion
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
Building Financial Knowledge Is Not Enough: Financial Self-Efficacy as a Mediator in the Financial Capability of Low-Income Families
Rothwell, D. W., Khan, M. N., & Cherney, K. (2016). Building financial knowledge is not enough: Financial self-efficacy as a mediator in the financial capability of low-income families. Journal of Community Practice, 24(4), 368–388. doi:10.1080/10705422.2016.1233162
Promoting Financial Capability of Incarcerated Women for Community Reentry: A Call to Social Workers
Sanders, C. K. (2016). Promoting financial capability of incarcerated women for community reentry: A call to social workers. Journal of Community Practice, 24(4), 389–409. doi:10.1080/10705422.2016.1233161
Toward Culturally Sensitive Financial Education Interventions With Latinos
Lane, L. B., & Pritzker, S. (2016). Toward culturally sensitive financial education interventions with Latinos. Journal of Community Practice, 24(4), 410–427. doi:10.1080/10705422.2016.1233476
From Being Unbanked to Becoming Unbanked Or Unbankable: Community Experts Describe Financial Practices of Latinos in East Los Angeles
Padua, L. A., & Doran, J. K. (2016). From being unbanked to becoming unbanked or unbankable: Community experts describe financial practices of Latinos in East Los Angeles. Journal of Community Practice, 24(4), 428–444. doi:10.1080/10705422.2016.1233477
Ethnic Differences in Financial Outcomes Among Low-Income Older Asian Immigrants: A Financial Capability Perspective
Nam, Y., Huang, J., & Lee, E. J. (2016). Ethnic differences in financial outcomes among low-income older Asian Immigrants: A financial capability perspective. Journal of Community Practice, 24(4), 445–461. doi:10.1080/10705422.2016.1233474
Financial Knowledge and Behaviors of Chinese Migrant Workers: An International Perspective on a Financially Vulnerable Population
Chen, Z., & Lemieux, C. M. (2016). Financial knowledge and behaviors of Chinese migrant workers: An international perspective on a financially vulnerable population. Journal of Community Practice, 24(4), 462–486. doi:10.1080/10705422.2016.1233475
Financial Capability and Asset Building: Building Evidence for Community Practice
Birkenmaier, J., Sherraden, M. S., Frey, J. J., Callahan, C., & Santiago, A. M. (2016). Financial capability and asset building: Building evidence for community practice. Journal of Community Practice, 24(4), 357–367. doi:10.1080/10705422.2016.1233519
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
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M., Beverly, S. G., Sherraden, M., Schreiner, M., … Han, C.-K. (2016). Asset building: Toward inclusive policy (CSD Working Paper No. 16-49). St. Louis, MO: Washington University, Center for Social Development.
International Child Development Accounts
Sherraden, M., CHENG, L.-C., Ssewamala, F. M., KIM, Y., Loke, V., ZOU, L., … HAN, C.-K. (2016). International Child Development Accounts (CSD Working Paper No. 16-48). St. Louis, MO: Washington University, Center for Social Development.
Under review with theEncyclopedia of Social Work(Oxford University Press).
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
Social Work’s Response to Poverty: From Benefits Dependence to Economic Self-Sufficiency
Gates, L. B., Koza, J., & Akabas, S. H. (2017). Social work’s response to poverty: From benefits dependence to economic self-sufficiency. Journal of Social Work Education, 53(1), 99–117. doi:10.1080/10437797.2016.1212752
A Multi-University Economic Capability-Building Collaboration
Horwitz, S., & Briar-Lawson, K. (2017). A multi-university economic capability-building collaboration. Journal of Social Work Education, 53(1), 149–158. doi:10.1080/10437797.2016.1212750
Training Social Workers and Human Service Professionals to Address the Complex Financial Needs of Clients
Frey, J. J., Hopkins, K., Osteen, P., Callahan, C., Hageman, S., & Ko, J. (2017). Training social workers and human service professionals to address the complex financial needs of clients. Journal of Social Work Education, 53(1), 118–131. doi:10.1080/10437797.2016.1212753
Financial Capability in Early Social Work Practice: Lessons for Today
Stuart, P. H. (2016). Financial capability in early social work practice: Lessons for today. Social Work, 61(4), 297–304. doi:10.1093/sw/sww047
Coming of Age on a Shoestring Budget: Financial Capability and Financial Behaviors of Lower-Income Millennials
West, S., & Friedline, T. (2016). Coming of age on a shoestring budget: Financial capability and financial behaviors of lower-income millennials. Social Work, 61(4), 305–312. doi:10.1093/sw/sww057
Growing Financial Assets for Foster Youths: Expanded Child Welfare Responsibilities, Policy Conflict, and Caseworker Role Tension
Peters, C. M., Sherraden, M. S., & Kuchinski, A. M. (2016). Growing financial assets for foster youths: Expanded child welfare responsibilities, policy conflict, and caseworker role tension. Social Work, 61(4), 340–348. doi:10.1093/sw/sww042
“We Routinely Borrow to Survive”: Exploring the Financial Capability of Income-Poor People in India
Banerjee, M. M. (2016). “We routinely borrow to survive”: Exploring the financial capability of income-poor people in India. Social Work, 61(4), 349–358. doi:10.1093/sw/sww045
Improved Financial Capability Can Reduce Material Hardship Among Mothers
Huang, J., Nam, Y., Sherraden, M., & Clancy, M. M. (2016). Improved financial capability can reduce material hardship among mothers. Social Work, 61(4), 313–320. doi:10.1093/sw/sww052
Celebrating Six Decades of Social Work and Advancing Financial Capability and Asset Development
Bent-Goodley, T. B., Sherraden, M. S., Frey, J. J., Birkenmaier, J., Callahan, C., & McClendon, G. G. (2016). Celebrating six decades of social work and advancing financial capability and asset development. Social Work, 61(4), 293–296. doi:10.1093/sw/sww058
Material Hardship and Children’s Social-Emotional Development: Testing Mitigating Effects of Child Development Accounts in a Randomized Experiment
Huang, J., Kim, Y., & Sherraden M. (2017). Material hardship and children’s social-emotional development: Testing mitigating effects of Child Development Accounts in a randomized experiment. Child: Care, Health and Development, 43(1), 89–96. doi:10.1111/cch.12385