Asset Building

Nam, Y., Hole, E., Sherraden, M., & Clancy, M. (2014). Program knowledge and savings outcomes in a Child Development Account experiment (CSD Working Paper No. 14-22). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. (2014, February). Innovations in asset building (CSD Perspective No. 14-18). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Huang, J., & Sherraden, M. (2014). What shapes assessment of ability to pay for children’s college education? Journal of Consumer Affairs, 48(3), 486–514. doi:10.1111/joca.12049

Despard, M. R., & Chowa, G. (2014). Testing a measurement model of financial capability among youth in Ghana. Journal of Consumer Affairs, 48(2), 301–322. doi: 10.1111/joca.12031

Huang, J., Kim, Y., Sherraden, M., & Clancy, M. (2014). Heterogeneous effects of Child Development Accounts on savings for children’s education (CSD Working Paper No. 14-15). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Xiang, X. (2014). Education loans and wealth building among young adults (CSD Working Paper No. 14-14). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Clancy, M., & Sherraden, M. (2014, April). Testing universal college savings accounts at birth: Early research from SEED for Oklahoma Kids (CSD Research Summary No. 14-08). St. Louis, MO: Washington University, Center for Social Development.

Clancy, M., & Sherraden, M. (2014). Automatic deposits for all at birth: Maine’s Harold Alfond College Challenge (CSD Policy Report No. 14-05). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development. (2014). Building a lifetime of economic security: Mobilizing for change (2013 Southern Regional Asset Building Coalition Conference Report). St. Louis: Washington University, Center for Social Development.

Chowa, G. A. N., & Despard, M. R. (2013). The influence of parental financial socialization on youth’s financial behavior: Evidence from Ghana. Journal of Family and Economic Issues, 35(3), 376–389. doi:10.1007/s10834-013-9377-9

Johnson, K. (2014). Rediscovering social investment in developmental welfare state policies (DWSP): Back to the future (CSD Working Paper No. 14-02). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Sherraden, M., Kim, Y., & Clancy, M. (2014). Effects of Child Development Accounts on early social-emotional development: An experimental test. JAMA Pediatrics, 168(3), 265–271. doi:10.1001/jamapediatrics.2013.4643

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Does outstanding student debt reduce asset accumulation? (CSD Working Paper No. 13-32). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., & Masa, R. D. (2013). Asset ownership and academic achievement among youth in Ghana: Examining associations based on asset type and academic subject (CSD Working Paper No. 13-25). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Xiang, X. (2013). An event history analysis of educational loans and college graduation: A focus on differences by race and ethnicity (CSD Working Paper No. 13-35). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Student debt and declining retirement savings (CSD Working Paper No. 13-34). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Grinstein-Weiss, M., & Nam, I. (2013). Is student debt compromising homeownership as a wealth-building tool? (CSD Working Paper No. 13-33). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Elliott, W., III, & Sherraden, M. (2013, November). Child Development Accounts and college success: Accounts, assets, expectations, and achievements (CSD Perspective No. 13-27). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7805247

Elliott, W., III. (2013, October). Can a college-saver identity help resolve the college expectation-attainment paradox? (CSD Fact Sheet No. 13-30). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2013, October). Reimagining how students and families pay for college: From debt dependency to asset empowerment (CSD Fact Sheet No. 13-29). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Lanesskog, D. (2013). The impact of family assets and debt on college graduation (CSD Working Paper No. 13-36). St. Louis, MO: Washington University, Center for Social Development.

Johnson, L., Lee, Y. S., Sherraden, M., Chowa, G. A. N., Ansong, D., Ssewamala, F., … Saavedra, J. (2013, October). Youth savings patterns and performance in Colombia, Ghana, Kenya, and Nepal (YouthSave Research Brief No. 13-26). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M., & Lanessko, D. (2013, October). The impact of family assets and debt on college graduation (CSD Fact Sheet No. 13-37). St. Louis, MO: Washington University, Center for Social Development.

Mason, L. R., Nam, Y., Clancy, M., & Sherraden, M. (2013). SEED for Oklahoma Kids: Experimental test of a policy innovation in a full population (CSD Working Paper No. 13-24). St. Louis, MO: Washington University, Center for Social Development.

Greenberg, D. (2012). A cost-benefit analysis of Tulsa’s IDA program: Findings from a long-term follow-up of a random assignment social experiment (CSD Working Paper No. 12-58). St. Louis, MO: Washington University, Center for Social Development.

Ansong, D., & Chowa, G. A. N. (2013, September). Visual demonstration of academic performance and parental involvement in Ghana (YouthSave Research Brief No. 13-17). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., & Masa, R. D. (2013). The impact of asset ownership on future orientation of youth and their parents: Evidence from the YouthSave Ghana Experiment (CSD Working Paper No. 13-19). St. Louis, MO: Washington University, Center for Social Development. 

Johnson, L., Lee, Y. S., Sherraden, M., Chowa, G. A. N., Ansong, D., Ssewamala, F., … Saavedra, J. (2013). Savings patterns and performance in Colombia, Ghana, Kenya, and Nepal (YouthSave Research Report No. 13-18). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R. D., Ramos, Y., & Ansong, D. (2013). How do student and school characteristics influence youth academic performance in Ghana? A hierarchical linear modeling of baseline data from the YouthSave Ghana Experiment (CSD Working Paper No. 13-16). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R. D., & Tucker, J. (2013). Parental involvement’s effects on academic performance: Evidence from the YouthSave Ghana Experiment (CSD Working Paper No. 13-15). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M. (2013, May). Education debt and racial disparity in college success (CSD Fact Sheet No. 13-10). St. Louis, MO: Washington University, Center for Social Development.

Rothwell, D., Bhaiji, R., & Blumenthal, A. (2013). Perceived impact of Individual Development Account participation among Native Hawaiians (CSD Working Paper No. 13-01). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., & Ansong, D. (2013). Conceptual development of the CYFI Model of Children and Youth as Economic Citizens (CSD Research Report No. 13-03). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Song, H-a., & Nam, I. (2013, March). Relationships between college savings and enrollment, graduation, and student loan debt (CSD Research Brief No. 13-09). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., & Ansong, D. (2013). Research evidence on the CYFI Model of Children and Youth as Economic Citizens (CSD Research Report No. 13-04). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Sherraden, M. (2013). Assets and educational achievement: Theory and evidence [Introduction to the special issue]. Economics of Education Review, 33, 1–7. doi:10.1016/j.econedurev.2013.01.004

Elliott, W., III, & Sherraden, M. (Eds.). (2013). Assets and educational attainment: Theory and evidence [Special issue]. Economics of Education Review, 33.

Zhan, M. (2013). Youth debt and college graduation: Differences by race/ethnicity (CSD Working Paper No. 13-08). St. Louis, MO: Washington University in St. Louis, Center for Social Development.

Elliott, W., III, Song, H-a., & Nam, I. (2013). Small-dollar children’s savings accounts, income, and college outcomes (CSD Working Paper No. 13-06). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K73N22XD

Elliott, W., III. (2013). Small-dollar children’s savings accounts and college outcomes (CSD Working Paper No. 13-05). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2013). Reducing student loan debt through parents’ college savings (CSD Working Paper No. 13-07). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Ansong, D., & Osei-Akoto, I. (2012, December). Parental involvement and academic performance in Ghana (YouthSave Research Brief No. 12-42). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Masa, R., & Osei-Akoto, I. (2012, December). Youth and their health in Ghana (YouthSave Research Brief No. 12-41). St. Louis, MO: Washington University, Center for Social Development.

Chowa, G. A. N., Ansong, D., Masa, R., Despard, M. R., Osei-Akoto, I., Richmond, A.-A., Agyei-Holmes, A., & Sherraden, M. (2012). Youth and saving in Ghana: A baseline report from the YouthSave Ghana Experiment (CSD Research Report No. 12-56). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Beverly, S. G., Black, R., & Shapiro, T. M. (2012). Linking savings and educational outcomes: Charting a course for scholarship and policy [Assets and Education Research Symposium Report]. St. Louis, MO: Washington University, Center for Social Development.

Gray, K., Clancy, M., Sherraden, M. S., Wagner, K., & Miller-Cribbs, J. E. (2012). Interviews with mothers of young children in the SEED for Oklahoma Kids college savings experiment (CSD Research Report No. 12-53). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K779445X

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Effects of an Individual Development Account program on retirement saving: Follow-up evidence from a randomized experiment (CSD Working Paper No. 12-54). St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Huang, J., Heflin, C., & Sherraden, M. (2012). Racial and ethnic disparities in food insufficiency: Evidence from a statewide probability sample of White, African American, American Indian, and Hispanic infants (CSD Working Paper No. 12-45). St. Louis, MO: Washington University, Center for Social Development.

Loke, V., Libby, M., & Choi, L. (2012, October). MY Path: An innovative initiative to increase financial capability among economically vulnerable youth (MY Path Research Brief). San Francisco: Mission SF Community Financial Center.

Grinstein-Weiss, M., Sherraden, M., Rohe, W. M., Gale, W., Schreiner, M., & Key, C. (2012). Long-term follow-up of Individual Development Accounts: Evidence from the ADD experiment (CSD Report 12-43). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Beverly, S. G., Clancy, M., Lassar, T., & Sherraden, M. (2011). Early program enrollment in a statewide Child Development Account program (CSD Working Paper No. 11-23). St. Louis, MO: Washington University, Center for Social Development.

Johnson, L., Lee, Y., Osei-Akoto, I., Njenga, M., & Sharma, S. (2012, July). Product pilot report: Youth savings performance in Ghana, Kenya, and Nepal (YouthSave Research Brief No. 12-38). St. Louis, MO: Washington University, Center for Social Development.

Mason, L. R., Nam, Y., & Kim, Y. (2012). Validity of infant race/ethnicity from birth certificates in the context of U.S. demographic change (CSD Working Paper No. 12-40). St. Louis, MO: Washington University, Center for Social Development.

Deng, S., Huang, J., Jin, M., & Sherraden, M. (2012). Household assets, school enrollment and parental aspirations for children’s education in rural China: Does gender matter? (CSD Working Paper No. 12-39). St. Louis, MO: Washington University, Center for Social Development.

Boshara, R. (2012, June). From asset building to balance sheets: A reflection on the first and next 20 years of federal assets policy (CSD Perspective No. 12-24). St. Louis, MO: Washington University, Center for Social Development.

Loke, V. (2012). Parental asset accumulation trajectories and children’s college outcomes (CSD Working Paper No. 12-33). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Lee, S., & Sherraden, M. (2012). Seoul Hope Plus Savings Accounts: Asset-building program for low-income households in Seoul (Third-year collaborative research report) (CSD Report No. 12-32). St. Louis, MO: Washington University, Center for Social Development.

Bass, J. (2012). Closing the wealth gap: Building family & community economic success (Southern Regional Asset Building Coalition Report). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. G., Kim, Y., Sherraden, M., Nam, Y., & Clancy, M. (2014). Are Child Development Accounts inclusive? Early evidence from a statewide experiment (CSD Working Paper No. 12-30). St. Louis, MO: Washington University, Center for Social Development.

Beverly, S. (2012). Assets for independence: Asset building for and by young people (CSD Working Paper No. 12-27). St. Louis, MO: Washington University, Center for Social Development.

Sherraden, M. S., Peters, C., Wagner, K., Clancy, M., & Guo, B. (2012). Contributions of qualitative research to understanding saving theory for children and youth (CSD Working Paper No. 12-23). St. Louis, MO: Washington University, Center for Social Development.

Huang, J., Nam, Y., & Sherraden, M. S. (2012). Financial knowledge and Child Development Account policy: A test of financial capability (CSD Working Paper No. 12-19). St. Louis, MO: Washington University, Center for Social Development.

Huang, J. (2012). Intergenerational transmission of educational attainment (CSD Working Paper No. 12-18). St. Louis, MO: Washington University, Center for Social Development.

Friedline, T., Elliott, W., III, & Chowa, G. (2012). Testing an asset-building approach for young people: Early access to savings predicts later savings (CSD Working Paper No. 12-12). St. Louis, MO: Washington University, Center for Social Development.

Zhan, M. (2012). The impact of youth debt on college graduation (CSD Working Paper No. 12-11). St. Louis, MO: Washington University, Center for Social Development.

Cheatham, G. A., & Elliott, W., III. (2012). The effects of college savings on postsecondary school enrollment rates of students with disabilities (CSD Working Paper No. 12-13). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Sherraden, M., & Clancy, M. (2012). Parental educational expectations by race/ethnicity and socioeconomic status (CSD Working Paper No. 12-10). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Friedline, T. (2012). “You pay your share, we’ll pay our share”: The college cost burden and the role of race, income, and college assets (CSD Working Paper No. 12-09). St. Louis, MO: Washington University, Center for Social Development.

Webley, P., & Nyhus, E. (2012). Economic socialization, saving, and assets in European young adults (CSD Working Paper No. 12-01). St. Louis, MO: Washington University, Center for Social Development.

Shanks, T. R., & Robinson, C. (2012). Assets, economic opportunity, and toxic stress: A framework for understanding child and educational outcomes (CSD Working Paper No. 12-22). St. Louis, MO: Washington University, Center for Social Development.

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2012). Individual Development Accounts and post-secondary education: Evidence from a randomized experiment (CSD Working Paper No. 12-21). St. Louis, MO: Washington University, Center for Social Development.

Otto, A. (2012). Saving in childhood and adolescence: Insights from developmental psychology (CSD Working Paper No. 12-20). St. Louis, MO: Washington University, Center for Social Development.

Rothwell, D. W., & Sultana, N. (2012). Cash-flow and savings practices of low-income households: Evidence from a follow-up study of IDA participants (CSD Working Paper No. 12-07). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2012). Ideas for refining children’s savings account proposals (Creating a Financial Stake in College, Report No. IV). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Elliott, W., III. (2012). We save, we go to college (Creating a Financial Stake in College, Report No. III). Washington, DC: New America Foundation and Washington University, Center for Social Development

Nam, Y., Wikoff, N., & Sherraden, M. (2012). Parenting stress among White, Black, American Indian, and Hispanic mothers: Evidence from a statewide sample of new mothers (CSD Working Paper No. 12-06). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2012). Does structural inequality begin with a bank account? (Creating a Financial Stake in College, Report No. II). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Elliott, W., III. (2012). Why policy makers should care about children’s savings (Creating a Financial Stake in College, Report No. I). Washington, DC: New America Foundation and Washington University, Center for Social Development.

Elliott, W., III, Webley, P., & Friedline, T. (2011). Two accounts for why adolescent savings is predictive of young adult savings: An economic socialization perspective and an institutional perspective (CSD Working Paper No. 11-34). St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Kim, Y., Clancy, M., Zager, R., & Sherraden, M. (2011). Do Child Development Accounts promote account holding, saving, and asset accumulation for children’s future? Evidence from a statewide randomized experiment (CSD Working Paper No. 11-33). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III. (2011). When effort and ability are not enough to reduce the college enrollment gap, does college savings help? (CSD Working Paper No. 11-31). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Nam, I., & Johnson, T. (2011). A process model of children’s savings indirect effects on college progress (CSD Working Paper No. 11-30). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Chowa, G., & Loke, V. (2011).Toward a children’s savings and college-bound identity intervention for raising college attendance rates: A multilevel propensity score analysis (CSD Working Paper No. 11-29). St. Louis, MO: Washington University, Center for Social Development.

Lassar, T., Clancy, M., & McClure, S. (2011). College savings match programs: Design and policy (CSD Working Paper No. 11-28). St. Louis, MO: Washington University, Center for Social Development.

Kim, Y., Lee, S., & Kim, M. (2011). Seoul Hope Plus Savings Accounts: Asset-building program for low-income households in Seoul (Second-year collaborative research report) (CSD Report No. 11-20). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2011, June). Direct effects of assets and savings on the college progress of Black young adults (CSD Research Brief No. 11-18). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Choi, E. H., Destin, M., & Kim, K. H. (2011, June). The age old question, which comes first? A simultaneous test of children’s savings and children’s college-bound identity (CSD Research Brief No. 11-17).  St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Constance-Huggins, M., & Song, H. (2011, June). Reducing the college progress gap between low- to moderate-income (LMI) and high-income (HI) young adults: Assets as an understudied form of economic capital (CSD Research Brief No. 11-16). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Constance-Huggins, M., & Song, H. (2011). Reducing the college progress gap between low- to moderate-income (LMI) and high-income (HI) young adults (CSD Working Paper No. 11-15). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, & Nam, I. (2011). Direct effects of assets and savings on the college progress of Black young adults (CSD Working Paper No. 11-14). St. Louis, MO: Washington University, Center for Social Development.

Wider Opportunities for Women & Center for Social Development. (2010). The Basic Economic Security Tables for the United States [Report]. Washington, DC: Author. https://doi.org/10.7936/K71G0KT5

Grinstein-Weiss, M., Sherraden, M., Gale, W., Rohe, W. M., Schreiner, M., & Key, C. (2011). Ten-year impacts of Individual Development Accounts on homeownership: Evidence from a randomized experiment (CSD Working Paper No. 11-07). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Destin, M., & Friedline, T. (2011). Taking stock of ten years of research on the relationship between assets and children’s educational outcomes: Implications for theory, policy, and intervention (CSD Working Paper No. 11-08). St. Louis, MO: Washington University, Center for Social Development.

Center for Social Development. (2011, March). College success and college savings plan innovations: A summary of research (CSD Research Summary No. 11-40). St. Louis, MO: Author.

Heffern, J., & Riley, A. (2011). Closing the wealth gap: Promoting change by working together (Southern Regional Asset Building Coalition Report). St. Louis, MO: Washington University, Center for Social Development.

Elliott, W., III, Choi, E. H., Destin, M., & Kim, K. H. (2011). The age old question, which comes first? A simultaneous test of children’s savings and children’s college-bound identity (CSD Working Paper No. 11-04).  St. Louis, MO: Washington University, Center for Social Development.

Nam, Y., Mason, L. R., Kim, Y., Clancy, M., & Sherraden, M. (2011). Survey response in a statewide social experiment: Differences in being located and collaborating by race and Hispanic origin (CSD Working Paper No. 11-01). St. Louis, MO: Washington University, Center for Social Development

Sanders, C. (2010). Savings outcomes of an IDA program for survivors of domestic violence (CSD Research Report No. 10-42). St. Louis, MO: Washington University, Center for Social Development.

Zager, R., Kim, Y., Nam, Y., Clancy, M., & Sherraden, M. (2010, November). The SEED for Oklahoma Kids Experiment: Initial account opening and savings (CSD Research Brief No. 10-41). St. Louis, MO: Washington University, Center for Social Development.

Zager, R., Kim, Y., Nam, Y., Clancy, M., & Sherraden, M. (2010). The SEED for Oklahoma Kids Experiment: Initial account opening and savings (CSD Research Report No. 10-14). St. Louis, MO: Washington University, Center for Social Development.