Buy-Now-Pay-Later and Alternative-Financial-Service Use Among Low-Wage Workers
Chy, S., Zheng, H., Roll, S., & Despard, M. (2025). Buy now, pay later and alternative financial service use among low-wage workers (CSD Research Brief No. 25-28). Washington University, Center for Social Development.
Five key takeaways from Bridging Data Divides: Collaborating for Impact
n May 2025, Data for Social Impact at the Center for Social Development and the Transdisciplinary Institute in Applied Data Science at Washington University in St. Louis hosted “Bridging Data Divides: Collaborating for Impact”. The summit featured 25 speakers across five panels and brought together 225 participants interested in working collaboratively with data across government, philanthropy, nonprofits, universities, and impacted communities. This post identifies five key takeaways.
Enduring Impacts of Child Development Accounts: Increased Parental Expectations and College Preparation
Huang, J., Sherraden, M., & Sun, S. (2025). Enduring impacts of Child Development Accounts: Increased parental expectations and college preparation (CSD Research Brief No. 25-31). Washington University, Center for Social Development.
Do lower wage workers have enough help saving for retirement?
How do parents get their kids to do something they don’t want to do? Sometimes, they offer a reward: Ice cream, 30 minutes of extra screen time, or perhaps cold, hard cash. As adults, when it comes to saving for retirement, self-discipline isn’t enough; we need rewards. In the United States, such rewards come as tax breaks for people who make contributions to employer-sponsored retirement plans or Individual Retirement Accounts. The SECURE 2.0 Act of 2022 includes a Saver’s Match provision designed to make things fairer for lower income tax filers. This post considers the act’s supports and whether employers have a role to play in helping workers save for retirement.
A new opportunity to save for emergencies
Recently overheard at an auto repair shop: “$600! How will I pay for that?” Some version of this conversation happens everyday in the United States. Unexpected expenses catch us by surprise. The question is, how prepared are we to respond?
Retiring with dignity is out of reach for some workers
What will life be like in retirement? How hard will it be to pay the bills if we no longer have a paycheck? Will we have to go back to work? Financial security during retirement is not a given for most workers because Social Security Retirement benefits are typically not enough for retirees to maintain their standard of living without additional sources of support. That’s a big hole in retirement income, which is why the Center for Social Development (CSD) launched the Retirement with Dignity project with support from the Prudential Foundation. Through this project, CSD seeks to understand how lower wage workers might benefit from provisions of the SECURE 2.0 Act, which passed in 2022 to give employers new tools to help workers save for retirement.
What Jobs Offer (and Don’t Offer) Benefits to Low-Wage Workers? Evidence from a Nationally Representative Survey
Brugger, L., Despard, M., Miller, S., & Roll, S. (2025). What jobs offer (and don’t offer) benefits to low-wage workers? Evidence from a nationally representative survey (CSD Research Brief No. 25-37). Washington University, Center for Social Development.
How “Trump Accounts” Measure Up to the Evidence in Early Wealth-Building Policy
Brown, M., Atherton, S., Ewas, J., & Boshara, R. (2025, June 10). How “Trump Accounts” measure up to the evidence in early wealth-building policy (Urban Wire). https://www.urban.org/urban-wire/how-trump-accounts-measure-evidence-early-wealth-building-policy
Asset Building for All, Starting at Birth: Emergence of Federal Policy and a Key Design Lesson
Sherraden, M., Clancy, M. M., Huang, J., Boshara, R., & Johnson, L. (2025). Asset building for all, starting at birth: Emergence of federal policy and a key design lesson (CSD Policy Brief No. 25-27). Washington University, Center for Social Development. https://doi.org/10.7936/baqt-6318
Delivering Financial Guidance: Institutional Assessment and Directions for Inclusion
Sherraden, M. S., Huang, J., & Johnson, L. (2025). Delivering financial guidance: Institutional assessment and directions for inclusion (CSD Working Paper No. 25-21). Washington University, Center for Social Development.
Financial Facts: SEED OK Child Development Accounts at Age 17
Huang, J., Schreiner, M., Clancy, M. M., Beverly, S. G., & Sherraden, M. (2025, May). Financial facts: SEED OK Child Development Accounts at age 17 (CSD Fact Sheet No. 25-20). Washington University, Center for Social Development. https://doi.org/10.7936/2606-nv37
U.S. workers change jobs frequently. How does that affect retirement savings?
Employer-based retirement savings plans have become a cornerstone of how Americans prepare financially for retirement. However, saving for retirement is a long-term process, and U.S. workers change jobs frequently. What happens to workers’ retirement savings when they change jobs? As part of our Workforce Economic Inclusion and Mobility survey, we asked low-wage workers what they did with their retirement plans the last time they switched their jobs. In this post, we discuss the findings.
How many low-wage workers are affected by benefits cliffs and asset limits?
Over 40 million workers in the United States—almost a third of all U.S. workers—receive public benefits. Many of these workers face a unique challenge: They would like to earn higher wages, take on more hours, look for better jobs, or save for emergencies. However, doing so may push them over a benefit program’s income or asset limits, causing them to lose eligibility for the program or to experience reductions in the benefits they need to make ends meet. This is called a benefits cliff. This post discusses the ways in which benefits cliffs, asset limits, and other so-called mobility blockers shape workers’ lives.
The Long-Term Impacts of Child Development Accounts on Parental Educational Expectations and College Preparation
Sun, S., Huang, J., & Sherraden, M. (2025). The long-term impacts of Child Development Accounts on parental educational expectations and college preparation. Social Service Review, 99(2), 326-363. https://doi.org/10.1086/735543
The Workforce Economic Inclusion and Mobility project: Building on employment-related research at CSD
This post discusses the origins and goals of the Workforce Economic Inclusion and Mobility (WEIM) project, an initiative to comprehensively examine the financial vulnerability of low-wage workers in the United States by exploring how financial and mental health are shaped by numerous factors in the workplace, public policy, and beyond.
The Impact of Benefits Cliffs and Asset Limits on Low-Wage Workers: New Evidence From a Nationally Representative Survey
Roll, S., Miller, S., & Despard, M. (2025). The impact of benefits cliffs and asset limits on low-wage workers: New evidence from a nationally representative survey (CSD Research Brief No. 25-07). Washington University, Center for Social Development. https://doi.org/10.7936/5ykn-5z34
Bridging Vision to Action, Volume II
NGO Committee for Social Development, Publication Task Force. (2025). Bridging Vision to Action, Volume II [Report]. https://drive.google.com/file/d/1ovgQiYA9nxt89MnLszD7dDRQogoO2CNj/view
Enhancing Diversion Success Through Financial Capability and Asset Building: A Framework and Proposed Intervention
Johnson, L., Sherraden, M. S., Pettus, C., Miller, J., & Huang, J. (2025). Enhancing diversion success through financial capability and asset building: A framework and proposed intervention (CSD Working Paper No. 25-18). Washington University, Center for Social Development. https://doi.org/10.7936/seyw-jf60
In Her Hands: Final Report
Brugger, L., Davis, S., Elliott, D., Hamilton, L., Roll, S., Rollins, L., Smith, S., Quick, A., & Zewde, N. (2025). In Her Hands: Final report [Report]. Georgia Resilience and Opportunity Fund. https://thegrofund.org/s/25_GRO_IHH_WhitePaper_v6.pdf
Savings Incentives and the SECURE 2.0 Act: New Evidence on Employer-Sponsored Emergency Savings Accounts and the Saver’s Match
Roll, S., Despard, M., & Miller, S. (2025). Savings incentives and the SECURE 2.0 Act: New evidence on employer-sponsored emergency savings accounts and the Saver’s Match (CSD Research Brief No. 25-12), Washington University, Center for Social Development. https://doi.org/10.7936/bn8y-t719
Matching Student-Debt Payments with Retirement Contributions Has High Appeal for Low-Wage Workers: Implications for SECURE 2.0
Roll, S., Despard, M., & Zhang, G. (2025). Matching student debt payments with retirement contributions has high appeal for low-wage workers: Implications for SECURE 2.0 (CSD Research Brief No. 25-13). Washington University, Center for Social Development. https://doi.org/10.7936/njam-jy38
More Money for Less Time? Examining the Relative and Heterogeneous Financial Returns to Non-Degree Credentials and Degree Programs
Jabbari, J., Chun, Y., Mei, X., & Roll, S. (2025). More money for less time? Examining the relative and heterogenous financial returns to non-degree credentials and degree programs. (EdWorkingPaper No. 24-1046). Annenberg Institute at Brown University. https://doi.org/10.26300/qweg-h532
Moving Forward from SECURE 2.0: Saver’s Match
Bipartisan Policy Center and Center for Social Development. (2025, March). Moving forward from SECURE 2.0: Saver’s Credit [Fact Sheet]. Bipartisan Policy Center. https://bipartisanpolicy.org/download/?file=/wp-content/uploads/2025/03/Savers-Match-Fact-Sheet.pdf
Moving Forward from SECURE 2.0: Emergency Savings
Bipartisan Policy Center and Center for Social Development. (2025, March). Moving forward from SECURE 2.0: Emergency savings [Fact Sheet]. Bipartisan Policy Center. https://bipartisanpolicy.org/download/?file=/wp-content/uploads/2025/03/Emerging-Saving-Fact-Sheet.pdf
Retirement Plan Access Among Low-Wage Workers in 2024: Implications for SECURE 2.0
Roll, S., Despard, M., & Miller, S. (2025). Retirement plan access among low-wage workers in 2024: Implications for SECURE 2.0 (CSD Research Brief No. 25-10). Washington University, Center for Social Development. https://doi.org/10.7936/k2wj-8b08
Auto-Enrollment, Auto-Escalation, and the Need for Retirement Plan Portability: Implications for SECURE 2.0
Roll, S., Despard, M., & Miller, S. (2025). Auto-enrollment, auto-escalation, and the need for retirement plan portability: Implications for SECURE 2.0 (CSD Research Brief No. 25-11). Washington University, Center for Social Development. https://doi.org/10.7936/xsyc-qw19
Access to and Satisfaction with the Women, Infants, and Children (WIC) Program: Differences Across Race, Ethnicity, Income, and Urbanicity among Missouri Residents
Gilbert, A., Frank, T., McDermott, L., Walden, N., Jabbari, J., Roll, S., & Ferris, D. (2025). Access to and satisfaction with the Women, Infants, and Children (WIC) Program: Differences across race, ethnicity, income, and urbanicity among Missouri residents. Food and Nutrition Bulletin. Advance online publication. https://doi.org/10.1177/03795721251323312
Moving Forward from SECURE 2.0: Building on the Law’s Most Effective Provisions, Closing the Access Gap, and Reforming Social Security
Sprick, E. (with Despard, M., & Roll, S.). (2025). Moving forward from SECURE 2.0: Building on the law’s most effective provisions, closing the access gap, and reforming social security. Bipartisan Policy Center. https://bipartisanpolicy.org/download/?file=/wp-content/uploads/2025/03/Moving-Forward-from-SECURE-2.0-BPC-CSD-Report.pdf
“Salt and Eat It or No Salt and Trash It?” Shifts in Support for School Meal Program Flexibilities in Public Comments
Moreland-Russell, S., Zimmermann, N., Gannon, J., Ferris, D., Alba, C., & Jacob, R. R. (2025). “Salt and Eat It or No Salt and Trash It?” Shifts in support for school meal program flexibilities in public comments. Nutrients, 17(5), Article 839. https://doi.org/10.3390/nu17050839
Fossil Fuel Wealth for Human Development: CDAs Continue in Kazakhstan with Second Year Deposits
Huseynli, A., & Sherraden, M. (2025). Fossil fuel wealth for human development: CDAs continue in Kazakhstan with second year deposits (CSD Policy Brief No. 25-05). Washington University, Center for Social Development. https://doi.org/10.7936/PBJS-4450
PCCI Direct Cash Transfer Project: Final Report
Hamilton, L., Roll, S., & Zhang, G. (2025). PCCI Direct Cash Transfer Project: Final Report. Appalachian State University, Family Economic Policy Lab. https://fepl.appstate.edu/wp-content/uploads/2025/02/PCCI-Cohort-2-Final-Report.pdf
Labor Outcomes of Mortgage Payment Subsidies for Unemployed Homeowners
Pierce, S. C., Brown, J. K., Moulton, S., Chun, Y. (2025). Labor outcomes of mortgage payment subsidies for unemployed homeowners. Journal of Housing Economics, 67, Article 102040. https://doi.org/10.1016/j.jhe.2024.102040
Thirty Productive Years and a Very Promising Future: The Annual Letter of the Center for Social Development
Sherraden, M. (2025, January). Thirty productive years and a very promising future: The annual letter of the Center for Social Development (CSD Perspective No. 25-01). Washington University, Center for Social Development. https://doi.org/10.7936/br71-0530
Universal Asset Building: New Social Policy for a New Era
Sherraden, M., Huang, J., & Zou, L. (2025, January). Universal asset building: New social policy for a new era (CSD Perspective No. 25-02). Washington University, Center for Social Development. https://doi.org/10.7936/5F8X-5253
Designing Savings Accounts to Promote Asset Building for Individuals With Disabilities: Experimental Evidence on ABLE Accounts
Roll, S., Ferris, D., Bufe, S., & Kondratjeva, O. (2024). Designing savings accounts to promote asset building for individuals with disabilities: Experimental evidence on ABLE accounts. Journal of Disability Policy Studies. Advance online publication. https://doi.org/10.1177/10442073241304109
From Universal Basic Income to Universal Basic Assets: New Social Development Policies in the Age of AI
Huang, J. (2024). From universal basic income to universal basic assets: New social development policies in the age of AI. Journal of Policy Practice & Research, 5, 146–152. https://doi.org/10.1007/s42972-024-00114-y
Democratizing the Economy or Introducing Economic Risk? Gig Work During the COVID-19 Pandemic
Auguste, D., Roll, S., & Despard, M. (2024). Democratizing the economy or introducing economic risk? Gig work during the COVID-19 pandemic. Work and Occupations, 51(4), 550–606. https://doi.org/10.1177/07308884231202032
The National Fund for Children in Kazakhstan
Huseynli, A., Zou, L., Sherraden, M., & Huang, J. (2024). The National Fund for Children in Kazakhstan (Policy Brief No. 24-17). Washington University, Center for Social Development. https://doi.org/10.7936/sdeb-m075
Does Guaranteed Income Build Assets for Black Women? Evidence from the In Her Hands Program
Roll, S., Elliott, D., Smith, S., Quick, A., Brugger, L., Davis, S., & Hamilton, L. (2024). Does guaranteed income build assets for Black women? Evidence from the In Her Hands program (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24452
The (Unknown) Children’s Savings Accounts Federal Policy Landscape
Boshara, R. (2024). The (unknown) children’s savings accounts federal policy landscape (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24443
Child Development Accounts and the SEED for Oklahoma Kids Experiment: Evidence and Impacts
Huang, J., Sherraden, M., Clancy, M. M., Beverly, S. G., & Schreiner, M. (2024). Child Development Accounts and the SEED for Oklahoma Kids experiment: Evidence and impacts (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24411
Inclusive Children’s Accounts: Toward Lifelong Asset Building for All
Sherraden, M., Clancy, M. M., Huang, J., Shanks, T., & Elliott, W. (2024). Inclusive children’s accounts: Toward lifelong asset building for all (Conference Brief). University of Michigan, School of Social Work, Center on Assets, Education, and Inclusion. https://doi.org/10.7302/24440
Environmental Justice and Social Work: A Study Across Practice Settings in Three U.S. States
Minnick, D., J., Rao, S., Smith, K., Krings, A., & Teixeira, S. (2024). Meeting the Grand Challenge to Create Social Responses to a Changing Environment (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-SRTCE_PB_FINAL.pdf
Building Social Work Capacity in Ukraine in Times of War: The Role of Global Social Work Engagement
Gusak, N., Burlaka, V., Huseynli, A., Sousa, C., McNitt, M., & Martin, J. (2024). Building social work capacity in Ukraine in times of war: The role of global social work engagement. International Social Work, 68(3), 505-510. https://doi.org/10.1177/00208728241269733
Meeting the Grand Challenge to Create Social Responses to a Changing Environment
Minnick, D., J., Rao, S., Smith, K., Krings, A., & Teixeira, S. (2024). Meeting the Grand Challenge to Create Social Responses to a Changing Environment (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-SRTCE_PB_FINAL.pdf
Meeting the Grand Challenge to Build Financial Capability and Assets for All; Social Workers: A Ready Workforce for Building Financial Capability in Underserved Households
Sherraden, M. S., Huang, J., & Johnson, L. (2024, July). Meeting the grand challenge to build financial capability and assets for all; Social workers: A ready workforce for building financial capability in underserved households (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-SW-FCAB-workforce_FINAL.pdf
Meeting the Grand Challenge to Build Financial Capability and Assets for All; Strengthen the Consumer Financial Protection Bureau
Birkenmaier, J., & Huang, J. (2024, July). Meeting the grand challenge to build financial capability and assets for all; Strengthen the Consumer Financial Protection Bureau (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-CFPB_FCAB_PB_FINAL.pdf
Asset Building, Briefs & Summaries, Financial Capability, Financial Inclusion, Grand Challenges for Social Work
Eliminate Racism, Reduce Extreme Economic Inequality, and Build Financial Capabilities and Assets for All; Universal Child Development Accounts to Develop All Children and Reduce Racial Wealth Inequality
Huang, J., Shanks, T. R., Teasley, M., Spencer, M., & Sherraden, M. (2024, July). Eliminate racism, reduce extreme economic inequality, and build financial capabilities and assets for all; Universal Child Development Accounts to develop all children and reduce racial wealth inequality (Policy Brief). Grand Challenges for Social Work. https://grandchallengesforsocialwork.org/wp-content/uploads/2024/07/240730-CDAs_FINAL.pdf
Asset-Building Policy and Black Reparations: Effective Delivery and Wealth Accumulation
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). Asset-building policy and Black reparations: Effective delivery and wealth accumulation (CSD Research Brief No. 24-07). Washington University, Center for Social Development. https://doi.org/10.7936/4tyz-z454
A Policy Platform to Deliver Black Reparations: Building on Evidence from Child Development Accounts
Shanks, T. R., Huang, J., Elliott, W., III, Zheng, H., Clancy, M. M., & Sherraden, M. (2024). A policy platform to deliver Black reparations: Building on evidence from Child Development Accounts. RSF: The Russell Sage Foundation Journal of the Social Sciences, 10(3), 92–111. https://doi.org/10.7758/RSF.2024.10.3.05
Child Savings Accounts and Other Tax-Advantaged Accounts Benefiting American Children: Testimony Before the U.S. Senate Committee on Finance
Elliott, W. (2024, May). Child Savings Accounts and other tax-advantaged accounts benefiting American children: Testimony Before the U.S. Senate Committee on Finance (CSD Perspective No. 24-05). Washington University, Center for Social Development, and University of Michigan, Center on Assets, Education, and Inclusion. https://doi.org/10.7936/ezhm-qb08
Wealth-Building for All Children: Convergence and Evidence to Support a Nationwide Policy
Huang, J., Shanks, T. R., Clancy, M. M., Elliott, W., III, & Sherraden, M. (2024). Wealth-building for all children: Convergence and evidence to support a nationwide policy (CSD Policy Brief No. 24-04). Washington University, Center for Social Development. https://doi.org/10.7936/kyht-rv07
How Financial Resilience Shapes Social and Public Health Policy Choices in Africa: Empirical Insights from the COVID-19 Pandemic
Okumu, M., Ansong, D., Koomson, I., & Chen, D. G. (2024). How financial resilience shapes social and public health policy choices in Africa: Empirical insights from the COVID-19 pandemic. Journal of the Society for Social Work and Research, 15(1), 43-67. https://doi.org/10.1086/717770
Report on a Seminar on Financial Capability and Asset Building Organised for Social Work Practitioners
Naami, A., Dako-Gyeke, M., Mills, A. A., & Ampomah, A. (2024, March). Report on a seminar on financial capability and asset building organised for social work practitioners (CSD Research Report No. 24-02). Washington University, Center for Social Development. https://doi.org/10.7936/n61e-dm86
Financial Capability Training for Social Workers in Singapore: Towards More Effective Practice
V., D., Ghoh, C., & Sherraden, M. S. (2024). Financial capability training for social workers in Singapore: Towards more effective practice. International Social Work, 67(2), 346–359. https://doi.org/10.1177/00208728221150901
Fostering Inclusive Policy Research: Embracing a Participatory Approach
By Katie Ragsdale & Katie Kristensen At the Social Policy Institute (SPI), we are deeply committed to fostering inclusive and impactful policy research. We recognize that the traditional top-down approach to policymaking often neglects the voices and experiences of communities and stakeholders most impacted by the problem at hand. Over the past two years, we […]
Reflections, Accomplishments, and Opportunities: The CSD Annual Letter
Sherraden, M. (2024, January). Reflections, accomplishments, and opportunities: The CSD annual letter (CSD Perspective No. 24-01). Washington University, Center for Social Development.
Participatory Research for Guaranteed Income: In Her Hands
By Katie Ragsdale, Katie Kristensen, Dr. Leah Hamilton, and Dr. Latrice Rollins The Social Policy Institute (SPI) seeks to shift to a participatory approach throughout its research and programming. Our working definition of a participatory approach draws on the theory and practice of Community-Based Participatory Research (CBPR). While CBPR is not always feasible or appropriate […]
The Role of Social Workers in Implementation of the Sustainable Development Goals in Azerbaijan
Huseynli, A. (2023). The role of social workers in implementation of the Sustainable Development Goals in Azerbaijan. In D. Androff & J. Damanik (Eds.), The Routledge International Handbook of Social Development, Social Work, and the Sustainable Development Goals (Chap. 33). Routledge. https://doi.org/10.4324/9781003177265
Parental Views on Universal Asset-Building Policy for All Children
Huang, J., Beverly, S. G., Clancy, M. M., & Sherraden, M. (2024). Parental views on universal asset-building policy for all children. Child & Family Social Work, 29(2), 584–586. https://doi.org/10.1111/cfs.13103
Expanded Child Tax Credits: A Transformational Opportunity to Help Families Put Food on the Table
Beaudoin, S., Lacko, A., Ashbrook, A. (2023). Expanded Child Tax Credits: A transformational opportunity to help families put food on the table (FRAC Research Brief). Food Research and Action Center. https://frac.org/wp-content/uploads/Expanded-Child-Tax-Credits-Research-Brief.pdf
Financial Capability and Asset Building: Innovations in Social Protection and Development
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
Municipal Officials’ Perspectives on Policymaking for Addressing Obesity and Health Equity
Parks, R. G., Thomas, F., Morshed, A. B., Dodson, E. A., Tian, R., Politi, M. C., Eyler, A. A., Thomas, I., & Brownson, R. C. (2023). Municipal officials’ perspectives on policymaking for addressing obesity and health equity. Evidence & Policy, 19(3), 444-464. https://doi.org/10.1332/174426421X16793276974116
Connecting the Dots between Barriers to W.I.C. Access and Adult and Child Food Insecurity: A Survey of Missouri Residents
Abstract Background. Previous research has explored the impact of W.I.C. on recipients’ health, but less is known about the connection between barriers to W.I.C. access and health outcomes. We fill in a gap in the literature by studying the relationship between barriers to Special Supplemental Nutrition Program for Women, Infants, and Children (W.I.C.) access and adult […]
How Did Reskilling During the COVID-19 Pandemic Relate to Entrepreneurship and Optimism? Barriers, Opportunities, and Implications for Equity
Abstract With shorter durations and fewer barriers to entry, reskilling programs may serve as vehicles for social mobility and equity, as well as tools for creating a more adaptive workforce and inclusive economy. Nevertheless, much of the limited large-scale research on these types of programs was conducted prior to the COVID-19 pandemic. Thus, given the […]
The Case for Early Wealth Building Accounts
Abstract Aspen FSP research on the Future of Wealth has shown that to succeed in the United States economy, people need to enter adulthood–a life stage when many critical investments are made – with a substantial amount of money to invest in themselves and their future. The importance of what we’re calling “investable sums” in young adulthood […]
How Would Americans Respond to Direct Cash Transfers? Results from Two Survey Experiments
Abstract Universal basic income has gained renewed interest among policy makers and researchers in the United States. Although research indicates that unconditional cash transfers produce diverse benefits for households, public support lags in part because of predicted unemployment and frivolous spending. To understand how Americans would reorganize their lives around unconditional cash transfers, this article […]
What It’s Worth: Strengthening the Financial Future of Families
Sherraden, M., & Sherraden, M. S. (2023). What it’s worth: Strengthening the financial future of families. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 13). East China University of Science and Technology Press.
Systematic Review on Financial Literacy
Jin, M., & Yuan, Y. (2023). Systematic review on financial literacy. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 12). East China University of Science and Technology Press.
Financial Risk and Financial Capability Among Youth
Zhou, X., Zou, Y., & Huang, J. (2023). Financial risk and financial capability among youth. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 11). East China University of Science and Technology Press.
Financial Capability and Relative Poverty
Fang, S., & Wang, Y. (2023). Financial capability and relative poverty. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 10). East China University of Science and Technology Press.
Child Development Accounts
Huang, J., & Zou, L. (2023). Child Development Accounts. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 8). East China University of Science and Technology Press.
Child Welfare and Protection and Poverty Alleviation
Zhang, Y., & Huang, J. (2023). Financial social work and poverty alleviation. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 5). East China University of Science and Technology Press.
Financial Social Work and Poverty Alleviation
Zhang, Y., & Huang, J. (2023). Financial social work and poverty alleviation. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 5). East China University of Science and Technology Press.
The Risk of Poverty Over the Life Course and Asset Building
Deng, S. (2023). The risk of poverty over the life course and asset building. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 4). East China University of Science and Technology Press.
Financial Capability
Sherraden, M. S. (2023). Financial capability. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 2). East China University of Science and Technology Press.
Determinants of Asset Building
Beverly, S. G., Sherraden, M., Cramer, R., Shanks, T. R., & Nam, Y. (2023). Determinants of asset building. In S. Deng, J. Huang, S. Fang, & X. Zhou (Eds.), 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights] (Chap. 1). East China University of Science and Technology Press.
资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in antipoverty social work: Development, dialogue, and insights]
Deng, S., Huang, J., Fang, S., & Zhou, X. (Eds.). (2023). 资产建设视角的反贫困社会工作:发展、对话与启示 [Asset-building perspective in anti-poverty social work: Development, dialogue, and insights]. East China University of Science and Technology Press.
Social Work in Azerbaijan: Achievements and Challenges of the Profession
Huseynli, A. (2023). Social work in Azerbaijan: Achievements and challenges of the profession. International Social Work, 66(5), 1527–1541. https://doi.org/10.1177/00208728221075824
The Effectiveness of Financial Capability and Asset Building Interventions in Improving Youth’s Educational Well-Being: A Systematic Review
Ansong, D., Okumu, M., Nyon, T., Appiah Kubi, J., Amoako, E. O., Koomson, I., Conklin, J. (2023). The effectiveness of financial capability and asset building interventions in improving youth’s educational well-being: A systematic review. Adolescent Research Review. Advance online publication. https://doi.org/10.1007/s40894-023-00223-x
COVID-19-Related Fear among Youth in Israel
Abstract The present study sought to expand the now expansive research on COVID-19 by examining COVID-19-related fear among adolescents in Israel, focusing on demographic variables, COVID-19-related variables (e.g., exposure and vaccination), psychosocial variables (e.g., adolescent wellbeing and perceived social support), and technology usage (e.g., amount of time spent on social media). Data from parents were […]
Sarri, Rosemary
Barth, R. P., & Sherraden, M. (2023, July 19). Sarri, Rosemary. In C. Franklin (Ed.), Encyclopedia of Social Work (Online ed.). https://doi.org/10.1093/acrefore/9780199975839.013.1636
My Alfond Grant CDA: Experience From 10 Years of Automatic Deposits for All Maine Newborns
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
Child Well-Being Policies in Post-Soviet Countries: The Potential of Child Development Accounts
Huseynli, A., & Sherraden, M. (2023, June). Child well-being policies in post-Soviet countries: The potential of Child Development Accounts (CSD Policy Brief No. 23-18). Washington University, Center for Social Development. https://doi.org/10.7936/8f0m-qs76
Racial and Ethnic Disparities in Housing Instability During the COVID-19 Pandemic: the Role of Assets and Income Shocks
Chun, Y., Roll, S., Miller, S., Lee, H., Larimore, S., & Grinstein-Weiss, M. (2023). Racial and ethnic disparities in housing instability during the COVID-19 pandemic: The role of assets and income shocks. Journal of Economics, Race, and Policy, 6(2), 63–81. https://doi.org/10.1007/s41996-022-00109-5
Policy, Practice, and Institutional Barriers to Financial Capability and Asset Building Related to Race (Racism) in the United States
Jones, J. L., Birkenmaier, J., Johnson, L., McClendon, G. G., Nam, Y., Huang, J., & Onifade, E. (2023). Policy, practice, and institutional barriers to financial capability and asset building related to race (racism) in the United States. In M. L. Teasley, M. S. Spencer, & M. Bartholomew (Eds.), Social work and the Grand Challenge of Ending Racism: Concepts, theory, and evidence based approaches (Chap. 21). Oxford University Press.
Understanding the Use of Digital Finance Among Older Internet Users in Urban China: Evidence From an Online Convenience Sample
Zeng, Y., & Li, Y. (2022). Understanding the use of digital finance among older internet users in urban China: Evidence from an online convenience sample. Educational Gerontology, 49(6), 477–490. https://doi.org/10.1080/03601277.2022.2126341
HomeGrown StL 5th Annual Regional Summit on the State of Opportunities for Black Boys and Young Men: Organizing for Solutions That Unleash the Elite Potential of Young Black Males
Joe, S., Clifton, M., & Carlton-Brown, D. (2023, May). HomeGrown StL 5th Annual Regional Summit on the State of Opportunity for Black Boys and Young Men: Organizing for solutions that unleash the elite potential of young Black males (CSD Conference Report No. 23-17). Washington University, Center for Social Development, Race & Opportunity Lab, HomeGrown StL. https://doi.org/10.7936/64jx-0x32
Perceptions of School Quality and Student Learning During the Pandemic: Exploring the Role of Students, Families, Schools, and Neighborhoods
Abstract Given the inequitable distribution of resources across school, neighborhood, and home contexts in the United States, lower resourced students may have had fewer opportunities to learn during the coronavirus disease 2019 pandemic, which may have caused previous disadvantages to accumulate during the pandemic. Nevertheless, research has yet to comprehensively explore how school, neighborhood, and […]
Free Online Course Focuses on Cultivating Collaborative and Equitable Data Practices
Data for Social Impact has launched a free online course for social sector professionals. While many courses develop technical data skills, this course—designed with, by, and for social sector leaders—supports organizations in cultivating equitable, collaborative data practices. Each module includes worksheets, resource lists, and tangible tools for participants, allowing them to bring the conversation back […]
“It helped us more than I could have imagined”: How the 2021 Expanded Child Tax Credit Supported Families Raising Children with Disabilities
Summary The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6). In […]
Expanded Child Tax Credit Payments Supported Families Raising Children with Disabilities
Summary The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6). In […]
Coping with COVID-19: Differences in hope, resilience, and mental well-being across U.S. racial groups
Abstract Objectives To explore if the COVID-19 pandemic revealed differences across racial groups in coping, resilience, and optimism, all of which have implications for health and mental well-being. Methods We collect data obtained from four rounds of a national sample of 5,000 US survey respondents in each round from April 2020 to February 2021. Using […]
Does Frequency or Amount Matter? An Exploratory Analysis the Perceptions of Four Universal Basic Income Proposals
Abstract Advocates for a Universal Basic Income (UBI) argue that it would provide citizens with a basic foundation for financial security, boost the economy, alleviate poverty, encourage entrepreneurship, reduce crime, and insulate the employment sector against job losses due to automation. Still, the idea lags in popularity in the United States compared to existing cash […]
Emergency Savings among Persistently Poor Households: Evidence from a Field Experiment
Abstract Low-income households struggle to accumulate emergency savings, which increases economic vulnerability in the face of unexpected events like expensive car repairs. This vulnerability may be even greater among persistently low-income households, which might benefit most from building emergency savings using tax refunds. This study examined the effects of randomly assigned behavioral interventions that incorporated […]
Implementation of Flexibilities to the National School Lunch and Breakfast Programs and Their Impact on Schools in Missouri
Abstract Background: In 2018, the United States Department of Agriculture (USDA) issued flexibilities to the National School Lunch and Breakfast Programs, relaxing the nutrition standards for milk, whole grains, and sodium. This study examines the implementation decision-making among Missouri school food services and the impact of implementing these flexibilities on the meals served. Methods: We […]
Women’s Participation in a Savings Group and Depression: A Community-Based Financial Capability Intervention in Mozambique
Tadesse, A., & Huang, J. (2023). Women’s participation in a savings group and depression: A community-based financial capability intervention in Mozambique. Global Social Welfare, 10(1), 49–59. https://doi.org/10.1007/s40609-022-00251-w
Special Issue | Financial Capability and Assets for Socioeconomic Development
Ansong, D., Okumu, M., & Koomson, I. (Eds.). 2023). Financial capability and assets for socioeconomic development [Special issue]. Global Social Welfare, 10(1). https://link.springer.com/journal/40609/volumes-and-issues/10-1
Linkage Fees: A Vehicle for Financing Affordable Housing
Murphy, L., Cooper, S., & Beckham, R. (2023, February). Linkage fees: A vehicle for financing affordable housing (CSD Policy Brief No. 23-11). Washington University, Center for Social Development. https://doi.org/10.7936/r0g8-kr48
Advancing Racial Equity Through Community Land Trusts
Alzhrani, A., Kiefer, B., Kim, D.-Y., & Eissner, G. (2023, February). Advancing racial equity through community land trusts (CSD Policy Brief No. 23-10). Washington University, Center for Social Development. https://doi.org/10.7936/hyr6-3569