Policies to strengthen vulnerable families typically focus either on boosting income for present needs or assets for future priorities. A recent event spotlighted policies to integrate the two approaches for vulnerable families – as we already do for other families.
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
A group of experts and researchers is making the case for a nationwide Child Development Account (CDA) policy. The group, which includes CSD Founding Director Michael Sherraden and Policy Director Margaret Clancy, recently released the outline in a pair of CDA policy briefs. The briefs are entitled “The Case for a Nationwide Child Development Account […]
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
Center for Social Development. (2021). In the community: Over 25 years of inquiry, innovation, and impact (CSD Report No. 20-01). Washington University, Center for Social Development. https://doi.org/10.7936/2n6h-jt55
What would it take to ensure that every child in every state has an account accumulating assets for education beyond high school? How would those assets shape the children and their families? State officials, researchers, nonprofit leaders, program managers, and funders gathered July 16 to take up those questions.
Huang, J., Zou, L., & Sherraden, M. (Eds.). (2019). Inclusive child development accounts: Toward universality and progressivity [Special issue]. Asia Pacific Journal of Social Work and Development, 29(1).
Sherraden, M., Huang, J., & Zou, L. (2019). Toward universal, progressive, and lifelong asset building: Introduction to the special issue. Asia Pacific Journal of Social Work and Development, 29(1), 1–5. doi:10.1080/02185385.2019.1575272
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
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
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.
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
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.
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
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. https://doi.org/10.7936/K7X63MGJ
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.
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, 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.
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.
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
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.
Beverly, S. G., Kim, Y., Sherraden, M., Nam, Y., & Clancy, M. (2012, July). Socioeconomic status and early savings outcomes: Evidence from a statewide Child Development Account experiment (CSD Research Brief No. 12-34). 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.
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
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.
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.
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.
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.
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.
Clancy, M., Lassar, T., & Taake, K. (2010, September). Saving for college: A policy primer (CSD Policy Brief No. 10-27). St. Louis, MO: Washington University, Center for Social Development.
Hertel, A. L., & Jäger, M. E. (2010, July). Saving for post-secondary education in American Indian communities (CSD Research Brief No. 10-24). St. Louis, MO: Washington University, Center for Social Development.
Boshara, R., Clancy, M., Newville, D., & Sherraden, M. (2009). The basics of progressive 529s. St. Louis, MO: Washington University, Center for Social Development, and New America Foundation.
Clancy, M., & Lassar, T. (2010, May). College savings plan accounts at birth: Maine’s statewide program (CSD Policy Brief No. 10-16). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7X34X0B
Elliott, W., III, & Beverly, S. G. (2010). Staying on course: The effects of savings and assets on the college progress of young adults (CSD Working Paper No. 10-12). St. Louis, MO: Washington University, Center for Social Development.