Asset Building

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

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

Bringing together evidence from a diverse network of researchers and practitioners in sub-Saharan Africa (SSA), the March special issue of Global Social Welfare highlights the Center for Social Development’s focus on improving economic well-being for marginalized populations on the continent. The issue, “Financial Capability and Assets for Socioeconomic Development,” was developed through the Financial Capability […]

Huseynli, A. (2023). Asset building policies to lift the resource curse: child development accounts in oil-and-gas-rich countries. Children and Youth Services Review, 145, 106717. https://doi.org/10.1016/j.childyouth.2022.106717

Zou, L., & Sherraden, M. (2022, June). Child Development Accounts reach over 15 million children globally (CSD Policy Brief No. 22-22). Washington University, Center for Social Development. https://doi.org/10.7936/yfyb-r646

Clancy, M. M., Beverly, S. G., Schreiner, M., Huang, J., & Sherraden, M. (2022, June). Financial facts: SEED OK Child Development Accounts at age 14 (CSD Fact Sheet No. 22-20). Washington University, Center for Social Development. https://doi.org/10.7936/13ge-kt42

Beverly, S. G., Huang, J., Clancy, M. M., & Sherraden, M. (2022, January). Policy design for Child Development Accounts: Parents’ perceptions (CSD Research Brief No. 22-03). Washington University, Center for Social Development. https://doi.org/10.7936/nbdq-xa08

Center for Social Development. (2021, December). Financial facts from the SEED OK Child Development Account experiment (CSD Fact Sheet No 21-42). Washington University, Center for Social Development. https://doi.org/10.7936/b5y6-jg13

DeCecco, A., Peachey, J., & Clancy, M. M. (2021, November). Targeted deposits in Pennsylvania’s Keystone Scholars Child Development Account program (CSD Policy Brief No. 21-36). Washington University, Center for Social Development. https://doi.org/10.7936/5qg9-4191

Sherraden, M., & Clancy, M. M. (2021). Transforming 529 college savings plans: grow assets for everyone, grow the country. In R. Boshara & I. Rademacher (Eds.), The future of building wealth: Brief essays on the best ideas to build wealth—for everyone (pp. 251–257). Federal Reserve Bank of St. Louis & Aspen Institute. https://futureofwealth.org/wp-content/uploads/2021/09/Sec-5.pdf

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. (2021, September 29). Asset building: Toward inclusive policy. In C. Franklin (Ed.), Encyclopedia of social work. https://doi.org/10.1093/acrefore/9780199975839.013.25

Cisneros, J., Clancy, M. M., Elliott, W., III, Feinstein, A., Kanter, M., Karcher-Ramos, M., Kugler, C., Peachey, J., Quint, C., Shapiro, T. M., & Sherraden, M. (2021, August). The case for a nationwide Child Development Account policy: A policy brief developed by CDA experts and researchers (CSD Policy Brief No. 21-20). Washington University, Center for Social Development.

Cisneros, J., Clancy, M. M., Elliott, W., III, Feinstein, A., Kanter, M., Karcher-Ramos, M., Kugler, C., Peachey, J., Quint, C., Shapiro, T. M., & Sherraden, M. (2021, August). Redesigning college savings (529) plans to achieve inclusive Child Development Accounts: A policy brief developed by CDA experts and researchers (CSD Policy Brief No. 21-21). Washington University, Center for Social Development.

Mobile phones have become commonplace in sub-Saharan Africa. There, as in other parts of the world, financial technology has proliferated with the expansion of digital access, opening new doors to financial products and services. But this emerging landscape requires financial acumen, and sound guidance can be hard to find. On July 15, a multinational group of partners gathered virtually to mark the launch of Financial Capability and Asset Building in Africa (FCAB Africa), a new collaboration aimed at meeting these needs.

Huang, J., Sherraden, M., Clancy, M. M., Beverly, S. G., Shanks, T. R., & Kim, Y. (2021). Asset building and child development: A policy model for inclusive Child Development Accounts. RSF: The Russell Sage Foundation Journal of the Social Sciences, 7(3), 176–195. https://doi.org/10.7758/RSF.2021.7.3.08

Huang, J., Sherraden, M. S., Sherraden, M., & Johnson, L. (2021). Experimental effects of Child Development Accounts on financial capability of young mothers. Journal of Family & Economic Issues, 43,36–50. https://doi.org/10.1007/s10834-021-09774-4

Clancy, M. M., Beverly, S. G., Schreiner, M., Huang, J., & Sherraden, M. (2021). Financial outcomes in a Child Development Account experiment: Full inclusion, success regardless of race or income, investment growth for all (CSD Research Summary 21-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/fnjg-n539

Huang, J., Beverly, S. G., Clancy, M. M., Schreiner, M., & Sherraden, M. (2021). A long-term experiment on Child Development Accounts: Update and impacts of SEED for Oklahoma Kids (CSD Research Report No. 21-07). Washington University, Center for Social Development. https://doi.org/10.7936/e8mf-p262

Shanks, T. R., & Meehan, P. (2021, February). MI-SEED investment funds and account growth: Implications for achieving higher rates of return in CDA programs (Research Brief No. 21-05). Washington University, Center for Social Development, and University of Michigan, Center for Equitable Family and Community Well-Being. https://doi.org/10.7936/50MK-H281

This Perspective is adapted from Michael Sherraden’s keynote address given during the “Ceremony Commemorating the 20th Anniversary of Self Sufficiency & Welfare Policy and 10th Anniversary of Asset Building Policy” in Korea. The Perspective is presented through a partnership between the Center for Social Development, the Korean Ministry of Health & Welfare, and the Korea […]

Leiker, C., Clancy, M. M., & Sherraden, M. (2020, October). Insights from state treasurers: Developing and implementing statewide Child Development Account policies (CSD Policy Summary No. 20-19). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/14tc-2b43

Masa, R., Chowa, G., & Sherraden, M. (2020). An evaluation of a school-based savings program and its effect on sexual risk behaviors and victimization among young Ghanaians. Youth & Society, 52(7), 1083–1106. https://doi.org/10.1177/0044118X18824730

Sun, S., Huang, J., Hudson, D., & Sherraden, M. (2020). Cash transfers and health (CSD Working Paper No. 20-16). St. Louis, MO: Washington University, Center for Social Development.

Social workers are all too familiar working with families and individuals who face financial vulnerability. The COVID-19 epidemic has only heightened the issue and expanded the number who are financially at risk due to economic and market forces. In response to a growing request for teaching resources, the Center for Social Development is developing a […]

Huang, J., Beverly, S. G., Clancy, M. M., & Sherraden, M. (2020, August). Child Development Accounts improve parenting practices, particularly for financially vulnerable families (CSD Research Brief No. 20-15). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M., Clancy, M. M., Huang, J., & Beverly, S. G. (2020). Child Development Accounts in the COVID-19 crisis: Lessons from the Great Recession (CSD Research and Policy Report No. 20-11). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/c5dg-qz60

Ren, C. (2020). A framework for explaining Black–White inequality in homeownership sustainability (CSD Working Paper No. 20-07). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zryf-5d75

Huseynli, A., Sherraden, M., & Gottlieb, D. (2020, January). Child Development Accounts: A policy design and opportunity for Azerbaijan (CSD Policy Brief No. 20-02). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/bnqw-qn41

Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, December). Essential policy design elements for statewide Child Development Accounts (CSD Fact Sheet No. 19-47). St. Louis MO: Washington University, Center for Social Development. https://doi.org/10.7936/1rvq-dy43

Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, November). Child Development Accounts at scale: Sample state legislation (CSD Policy Summary No. 19-46). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/cptg-2n77

Clancy, M. M., & Sherraden, M., Huang, J., Beverly, S. G., & Kim, Y. (2019, November). Statewide Child Development Accounts and Local Partnerships: A Scalable Model that Can Include All Families. (CSD Policy Brief No. 19-45). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/q310-7h95

Sherraden, M., Lough, B. J., Sherraden, M. S., Williams Shanks, T. R., & Huang, J. (2019). Applied social research: Aiming for impact. Journal of the Society for Social Work and Research, 10(4), 545–570. https://doi.org/10.1086/706153

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M., & Sherraden, M. (2019, October). Financially vulnerable families reap multiple benefits from Child Development Accounts (CSD Research Brief No. 19-40). St. Louis, MO: Washington University, Center for Social Development.

Parish, S.L., Grinstein-Weiss, M., Yeo, Y. H., Rose, R. A., & Rimmerman, A. (2019). Assets and income: Disability-based disparities in the United States. In T. B. Bent-Goodley, J. H. Williams, M. L. Teasley, S. H. Gorin (Eds.), Grand challenges for society: Evidence-based social work practice (pp. 431–443). Washington, DC: NASW Press.

Sherraden, M., & Clancy, M. M. (2019, March). A bill to create the Bright Futures Plan Task Force: Testimony on H.B. 2389 before the House Education Committee, Oregon State Legislature (CSD Testimony No. 19-09). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zb67-p268

Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, March). SEED for Oklahoma Kids Wave 3: Extending Rigorous Research and a Successful Policy Model (CSD Research Brief No. 19-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/zx2j-0543

Clancy, M. M. (2019). The Meadowlark Scholarship Act: Testimony on L.B. 544 before the Education Committee, 106th Nebraska Legislature (CSD Testimony No. 19-03). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/683w-bn26

Huang, J., Nam, Y., Sherraden, M., & Clancy, M. M. (2019). Impacts of child development accounts on parenting practices: evidence from a randomised statewide experiment. Asia Pacific Journal of Social Work and Development, 29(1), 34–47. doi:10.1080/02185385.2019.1575270

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M., & Sherraden, M. (2019). Exploring a model for integrating Child Development Accounts with social services for vulnerable families. Journal of Consumer Affairs, 53(3), 770–795. https://doi.org/10.1111/joca.12239

Caplan, M., Sherraden, M. S., & Bae, J. (2018). Financial capability as social investment. Journal of Sociology & Social Welfare, 45(4), 147–167. doi:10.7936/gmfw-0e43

Sherraden, M. (2018). Asset building as social investment. Journal of Sociology and Social Welfare, 45(4), 35–54. doi:10.7936/d50p-as46

Citation: Huang, J., Sherraden, M. S., & Zou, L. (2018, October). 【视野】普惠金融与金融能力：美国社会工作的大挑战 [From financial inclusion to financial capability: A grand challenge of social work in the United States]. China Social Work Magazine. https://mp.weixin.qq.com/s/z15GHMa00dxgokSiX2TU9A

Sherraden, M. (2018). Challenges in asset building in Singapore. In S. Vasoo & B. Singh (Eds.), Critical issues in asset building in Singapore’s development (pp. 1–19). doi:10.1142/9789813239760_0001

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

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

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.

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

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

King, J., & Clancy, M. M. (2018, March 22). How can states seize the moment and reform college savings? New America Weekly, edition 199.

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

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.

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

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

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.

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.

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

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

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

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

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

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

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.

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

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

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.

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

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.

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

Chen, Z., & Jin, M. (2016). Financial inclusion in China: Use of credit (CSD Working Paper No. 16-24). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M. M., Beverly, S. G., & Sherraden, M. (2016, June). Financial outcomes in SEED for Oklahoma Kids (CSD Fact Sheet No. 16-23). St. Louis, MO: Washington University, Center for Social Development.

Stoesz, D. (2016). The excluded: An estimate of the consequences of denying Social Security to agricultural and domestic workers (CSD Working Paper No. 16-17). St. Louis, MO: Washington University, Center for Social Development.

Robertson, A. S., & Curley, J. (2016). Annual report on the ASSET Project’s Head Start Family Financial Capability Pilot: 2014–2015 (CSD Research Report No. 16-04). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Clancy, M. M., & Sherraden, M. (2016, March). Universal accounts at birth: Results from SEED for Oklahoma Kids (CSD Research Summary No. 16-07). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M. M., Beverly, S. G., Sherraden, M., & Huang, J. (2016). Testing universal Child Development Accounts: Financial impacts in a large social experiment (CSD Working Paper No. 16-08). St. Louis, MO: Washington University, Center for Social Development.

Polzer, K. (2015, December). How the emerging U.S. retirement system magnifies wealth inequality (CSD Perspective No. 15-63). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M., Clancy, M., Nam, Y., Huang, J., Kim, Y., Beverly, S. G., … Purnell, J. Q. (2015). Universal accounts at birth: Building knowledge to inform policy. Journal of the Society for Social Work and Research, 6(4), 541–564. doi:10.1086/684139

Beverly, S. G., Clancy, M. M., Huang, J., & Sherraden, M. (2015, October). The SEED for Oklahoma Kids Child Development Account experiment: Accounts, assets, earnings, and savings (CSD Research Brief No. 15-29). St. Louis, MO: Washington University, Center for Social Development.

Ansong, D., Wu, S., & Chowa, G. A. (2015). The role of child and parent savings in promoting expectations for university education among middle school students in Ghana: A propensity score analysis. Children and Youth Services Review, 58, 265–273. doi:10.1016/j.childyouth.2015.08.009

August 5-7, 2015, ​St. Louis, MO

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

Johnson, L., Lee, Y., Ansong, D., Chowa, G., Osei-Akoto, I., & Sherraden, M. (2015). Youth savings patterns and performance in Ghana: A supplementary report (YouthSave Research Report No. 15-27). St. Louis, MO: Washington University, Center for Social Development.

Zou, L., Myers-Tlapek, S., Sherraden, M. S., Gabbert, J. W., Ritterbusch, A., Appiah, E., … Maharjan, M. (2015). Voices of youth, parents, and stakeholders: Findings from case studies in the YouthSave Project (YouthSave Research Report No 15-31). St. Louis, MO: Washington University, Center for Social Development.

Zou, L., Tlapek, S. M., Njenga, G., Appiah, E., Opai-Tetteh, D., & Sherraden, M. S. (2015). Facilitators and obstacles in youth saving: Perspectives from Ghana and Kenya. Global Social Welfare, 2(3), 65–74. doi:10.1007/s40609-015-0028-y

Grinstein-Weiss, M. (2015, March 12). Statement given in Bridging the Gap: How Prepared Are Americans for Retirement? Hearing before the U.S. Senate Special Committee on Aging (CSD Perspective No. 15-25). St. Louis, MO: Washington University, Center for Social Development.

Key, C., Tucker, J. N., Grinstein-Weiss, M., & Comer, K. (2015). Tax-time savings among low-income households in the $aveNYC Program. Journal of Consumer Affairs, 49(3), 498–518. doi:10.1111/joca.12070

Beverly, S. G., Kim, Y., Sherraden, M., Nam, Y., & Clancy, M. (2015). Can Child Development Accounts be inclusive? Early evidence from a statewide experiment. Children and Youth Services Review, 53, 92–104. doi:10.1016/j.childyouth.2015.03.003

Kim, Y., Sherraden, M., Huang, J., & Clancy, M. (2015). Child Development Accounts and parental educational expectations for young children: Early evidence from a statewide social experiment. Social Service Review, 89(1), 99–137. doi:10.1086/680014

Johnson, L., Lee, Y., Ansong, D., Sherraden, M. S., Chowa, G. N., Ssewamala, F., … Saavedra, J. (2015). Youth savings patterns and performance in Colombia, Ghana, Kenya, and Nepal: Executive summary (CSD Research Summary). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7Q81CNZ

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

Nam, Y., Huang, J., Heflin, C. M., & Sherraden, M. (2015). Racial and ethnic disparities in food insufficiency: Evidence from a statewide probability sample. Journal of the Society for Social Work and Research, 6(2), 201–228. doi:10.1086/681574

Southern Regional Asset Building Coalition. (2015). Closing the racial wealth gap: Innovative solutions for change (2014 Southern Regional Asset Building Coalition Conference Report). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M. M., Sherraden, M., & Beverly, S. G. (2015, January). College savings plans: A platform for inclusive and progressive Child Development Accounts (CSD Policy Brief No. 15-07). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Clancy, M. M., & Sherraden, M. (2016, June). The early positive impacts of Child Development Accounts (CSD Research Brief No. 15-08). St. Louis, MO: Washington University, Center for Social Development.

Johnson, L., Lee, Y., Ansong, D., Sherraden, M. S., Chowa, A. N., Ssewamala, F., … Saavedra, J. (2015). Youth savings patterns and performance in Colombia, Ghana, Kenya, and Nepal (YouthSave Research Report No. 15-01). St. Louis, MO: Washington University, Center for Social Development.

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

Huang, J., Nam, Y., Sherraden, M., & Clancy, M. (2015). Financial capability and asset accumulation for children’s education: Evidence from an experiment of Child Development Accounts. Journal of Consumer Affairs, 49(1),127–155. doi:10.1111/joca.12054

Wikoff, N., Huang, J., Kim, Y., & Sherraden, M. (2015). Material hardship and 529 college savings plan participation: The mitigating effects of Child Development Accounts. Social Science Research, 50, 189–202. doi:10.1016/j.ssresearch.2014.11.017

Sherraden, M., Zou, L., Ku, H., Deng, S., & Wang, S. (Eds.). (2014). Asset-building policies and innovations in Asia. Abingdon, England: Routledge.

Chowa, G. A. N., Ansong, D., Masa, R., Wu, S., Ramos, Y., & Kimathi, M. B. (2014). Baseline survey of the third cohort: A supplemental report from the YouthSave Ghana Experiment (YouthSave Research Report No. 14-26). St. Louis, MO: Washington University, Center for Social Development.