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.
Tag: Michal Grinstein-Weiss
Enrollment and Participation in a Universal Child Savings Program: Evidence from the Rollout of Israel’s National Program
Grinstein-Weiss, M., Pinto, O., Kondratjeva, O., Roll, S. P., Bufe, S., Barkali, N., & Gottlieb, D. (2019). Enrollment and participation in a universal child savings program: Evidence from the rollout of Israel’s national program. Children and Youth Services Review, 101, 225–238. https://doi.org/10.1016/j.childyouth.2019.03.048
The Saving for Every Child Program in Israel: An Overview of a Universal Asset-Building Policy
Grinstein-Weiss, M., Kondratjeva, O., Roll, S. P., Pinto, O., & Gottlieb, D. (2019). The Saving for Every Child Program in Israel: An overview of a universal asset-building policy. Asia Pacific Journal of Social Work and Development, 29(1), 20–33. doi:10.1080/02185385.2019.1574600
Promoting Savings at Tax Time: Insights from Online and In-Person Tax Preparation Services
Davison, G., Frank-Miller, E., Roll, S. P., & Grinstein-Weiss, M. (2018). Promoting savings at tax time: Insights from online and in-person tax preparation services (CSD Research Report No. 18-33). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/pnr2-vf30
The State of State EITCs: An Overview and Their Implications for Low- and Moderate-Income Households
Davison, G., Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2018, January). The state of state EITCs: An overview and their implications for low- and moderate-income households (CSD Research Brief No. 18-04). St. Louis, MO: Washington University, Center for Social Development.
International Child Development Accounts
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
The Mediating Role of Assets in Explaining Hardship Risk Among Households Experiencing Financial Shocks
Despard, M. R., Guo, S., Grinstein-Weiss, M., Russell, B., Oliphant, J. E., & deRuyter, A. (2018). The mediating role of assets in explaining hardship risk among households experiencing financial shocks. Social Work Research, 42(3), 147–158. doi:10.1093/swr/svy012
New: A guide to tax-time financial capability efforts

“A Toolkit for Expanding Financial Capability at Tax Time” is now available and free to download. The 70-page book presents the current evidence underpinning various tax-time efforts to expand financial capability among low- and moderate-income households.
Refund to Savings 2015–2016: Field Experiments to Promote Tax-Time Saving in Low- and Moderate-Income Households
Roll, S. P., Davison, G., Grinstein-Weiss, M., Despard, M. R., & Bufe, S. (2018). Refund to Savings 2015–2016: Field experiments to promote tax-time saving in low- and moderate-income households (CSD Research Report No. 18-28). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72J6BD5
A Toolkit for Expanding Financial Capability at Tax Time
Davison, G., Covington, M., Kondratjeva, O., Roll, S. P., & Grinstein-Weiss, M. (2018, June). A toolkit for expanding financial capability at tax time (CSD Toolkit No. 18-26). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7T1536V
Grinstein-Weiss named Shanti K. Khinduka Distinguished Professor

Michal Grinstein-Weiss, PhD, was installed as the Shanti K. Khinduka Distinguished Professor on April 2 before an audience of colleagues, collaborators, supporters and family members, including many from her native Israel.
Asset Building Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M. M., Beverly, S. G., Sherraden, M. S., Schreiner, M., … Han, C.-K. (2018, March 28). Asset building: Toward inclusive policy. In C. Franklin et al. (Eds.), Encyclopedia of Social Work. doi:10.1093/acrefore/9780199975839.013.25
Responses to and Repercussions From Income Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Holub, K., Bufe, S., & Grinstein-Weiss, M. (2017, December). Responses to and repercussions from income volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
The Experience of Volatility in Low- and Moderate-Income Households: Results From a National Survey
Roll, S. P., Mitchell, D. S., Bufe, S., Lynne, G., & Grinstein-Weiss, M. (2017, October). The experience of volatility in low- and moderate-income households: Results from a national survey (Issue Brief). Washington, DC: Aspen Institute and Center for Social Development.
Event explores employers’ options to improve workers’ financial wellness

JPMorgan Chase, Prudential and Staples were among the companies that sent representatives to a conference about financial wellness programs for employees, hosted by the Center for Social Development at the George Warren Brown School of Social Work.
Effects of a Tax-Time Savings Experiment on Material and Health Care Hardship Among Low-Income Filers
Despard, M. R., Taylor, S. H., Ren, C., Russell, B. D., Grinstein-Weiss, M., & Raghavan, R. (2018). Effects of a tax-time savings experiment on material and health care hardship among low-income filers. Journal of Poverty, 22(1), 156–178. doi:10.1080/10875549.2017.1348431
Event to focus on how companies can create a financially stable workforce

On Tuesday, September 19, leading human resources executives are coming to Washington University in St. Louis to discuss how companies can help alleviate their employees’ financial stresses.
For employers, a primo primer on financial wellness services

The Center for Social Development at the Brown School of Social Work has partnered with Prosperity Now to produce a guide for companies: “Workplace Financial Wellness Services: A Primer for Employers.”
Employee Financial Wellness Programs Project: Comprehensive Report of Findings
Frank-Miller, E., Covington, M., Despard, M. R., Hannon, G., & Grinstein-Weiss, M. (2017). Employee Financial Wellness Programs project: Comprehensive report of findings (CSD Research Report No. 17-31). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7S46RFZ
Effects of a Tax-Time Savings Intervention on Use of Alternative Financial Services Among Lower-Income Households
Despard, M. R., Grinstein-Weiss, M., Ren, C., Guo, S., & Raghavan, R. (2017). Effects of a tax-time savings intervention on use of alternative financial services among lower-income households. Journal of Consumer Affairs, 51(2), 355–379. doi:10.1111/joca.12138
CSD hosts CFPB financial education and tax-time savings events

With the Center for Social Development as a partner, the Consumer Financial Protection Bureau held two events in June at the George Warren Brown School of Social Work.
Study: Societal savings from fewer missed housing payments offset some ACA costs

Low-income people who gain health insurance are much more likely to make their rent and mortgage payments, according to a new Washington University study of families living near the poverty line.
Update: Financial Capability Month

Financial Capability and Asset Building for All is one of the 12 Grand Challenges for Social Work and a growing practice in the social work profession. The Center for Social Development is committed to working with its partners to increase the financial capability of individuals, families, and communities across the globe!
Employee Financial Wellness Programs: A Review of the Literature and Directions for Future Research
Hannon, G., Covington, M., Despard, M. R., Frank-Miller, E., & Grinstein-Weiss, M. (2017). Employee financial wellness programs: A review of the literature and directions for future research (CSD Working Paper No. 17-23). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7WW7H5C
Grinstein-Weiss speaks at large Israel conference about policy

Michal Grinstein-Weiss, associate director of the Center for Social Development, was a speaker in Tel Aviv at the conference “Making Finance Great Again,” which explored how the Trump administration may affect Israel and the global economy in finance, health care and more.
Study: Interventions can help families better save tax refunds

Motivational prompts to save tax refunds and suggested savings amounts for the tax refund can increase saving among low- and moderate-income households, finds a new experimental study from the Brown School at Washington University in St. Louis.
The Impacts of Individual Development Accounts, Assets, and Debt on Future Orientation and Psychological Depression
Rohe, W. M., Key, C., Grinstein-Weiss, M., Schreiner, M., & Sherraden, M. (2017). The impacts of Individual Development Accounts, assets, and debt on future orientation and psychological depression. Journal of Policy Practice, 16(1), 24–45. doi:10.1080/15588742.2015.1125329
Behavioral Interventions to Increase Tax-Time Saving: Evidence From a National Randomized Trial
Grinstein-Weiss, M., Russell, B. D., Gale, W. G., Key, C., & Ariely, D. (2017). Behavioral interventions to increase tax-time saving: Evidence from a national randomized trial. Journal of Consumer Affairs, 51(1), 3–26. doi:10.1111/joca.12114
Assessing Retirement Needs and Interest in myRa: Findings From the Refund to Savings Initiative
Roll, S. P., Oliphant, J. E., Perantie, D. C., Grinstein-Weiss, M., & Davison, G. (2017). Assessing retirement needs and interest in myRA: Findings from the Refund to Savings Initiative (CSD Research Report No. 17-16). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K74749DH
Coping With a Crisis: Financial Resources Available to Low- and Moderate-Income Households in Emergencies
Perantie, D. C., Roll, S. P., Oliphant, J. E., Guo, S., & Grinstein-Weiss, M. (2017, February). Coping with a crisis: Financial resources available to low- and moderate-income households in emergencies (CSD Research Brief No. 17-11). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K7M32V90
Home delinquency rates lower among ACA households

Families who get health insurance through the Affordable Care Act are significantly more likely to make their rent and mortgage payments than are those who remain uninsured, suggests a new study from the Brown School and Olin Business School at Washington University in St. Louis.
The Role of Choice Architecture in Promoting Saving at Tax Time: Evidence From a Large-Scale Field Experiment
Grinstein-Weiss, M., Cryder, C., Despard, M. R., Perantie, D. C., Oliphant, J. E., & Ariely, D. (2017). The role of choice architecture in promoting saving at tax time: Evidence from a large-scale field experiment (CSD Working Paper No. 17-29). St. Louis, MO: Washington University, Center for Social Development.
Home Delinquency Rates Are Lower Among ACA Marketplace Households: Evidence From a Natural Experiment
Gallagher, E. A., Gopalan, R., Grinstein-Weiss, M., Roll, S. P., & Davison, G. ( 2017, January). Home delinquency rates are lower among ACA Marketplace households: Evidence from a natural experiment (CSD Research Brief No. 17-01). St. Louis, MO: Washington University, Center for Social Development. https://doi.org/10.7936/K72B8XJP
Grinstein-Weiss discusses new CDA program with Israeli media

Michal Grinstein-Weiss, associate director of the Center for Social Development, spent part of December with Israel’s leading media providing insight on the country’s new law creating Child Development Accounts, the Savings for Every Child law.
Do Tax-Time Savings Deposits Reduce Hardship Among Low-Income Filers? A Propensity Score Analysis
Grinstein-Weiss, M., Despard, M. R., Guo, S., Russell, B., Key, C., & Raghavan, R. (2016). Do tax-time savings deposits reduce hardship among low-income filers? A propensity score analysis. Journal of the Society for Social Work and Research, 7(4), 707–728. doi:10.1086/689357
Asset Building: Toward Inclusive Policy
Sherraden, M., Johnson, L., Clancy, M., Beverly, S. G., Sherraden, M., Schreiner, M., … Han, C.-K. (2016). Asset building: Toward inclusive policy (CSD Working Paper No. 16-49). St. Louis, MO: Washington University, Center for Social Development.
International Child Development Accounts
Sherraden, M., CHENG, L.-C., Ssewamala, F. M., KIM, Y., Loke, V., ZOU, L., … HAN, C.-K. (2016). International Child Development Accounts (CSD Working Paper No. 16-48). St. Louis, MO: Washington University, Center for Social Development.
Under review with theEncyclopedia of Social Work(Oxford University Press).
Financial Anxiety in Low- and Moderate-Income Households: Findings From the Household Financial Survey
Roll, S. P., Taylor, S. H., & Grinstein-Weiss, M. (2016, October). Financial anxiety in low- and moderate-income households: Findings from the Household Financial Survey (CSD Research Brief No. 16-42). St. Louis, MO: Washington University, Center for Social Development.
Student Debt and Hardship: Evidence From a Large Sample of Low- and Moderate-Income Households
Despard, M. R., Perantie, D. C., Taylor, S. H., Grinstein-Weiss, M., Friedline, T., & Raghavan, R. (2016). Student debt and hardship: Evidence from a large sample of low- and moderate-income households. Children and Youth Services Review, 70, 8–18. doi:10.1016/j.childyouth.2016.09.001
How student debt increases odds of financial struggle

Students who come out of college with debt — especially larger amounts — are more likely to face hardship and financial difficulty during their lives, finds a new study from the Center for Social Development at Washington University in St. Louis.
Leveraging Tax Time to Build Financial Capability: Research Evidence and Policy Directions
Covington, M., Oliphant, J. E., & Grinstein-Weiss, M. (2016). Leveraging tax time to build financial capability: Research evidence and policy directions (CSD Conference Proceeding No. 16-27). St. Louis, MO: Washington University, Center for Social Development.
The Role of Health Insurance in the Financial Lives of Low- and Moderate-Income Households
Despard, M. R., Roll, S. P., Perantie, D. C., Oliphant, J. E., & Grinstein-Weiss, M. (2016, July). The role of health insurance in the financial lives of low- and moderate-income households (CSD Research Brief No. 16-26). St. Louis, MO: Washington University, Center for Social Development.
CSD leaders chart best practices for Israel’s new CDAs

Building on a longtime working history, leadership from the Center for Social Development formally advised the Israeli government in May on best practices for implementing the country’s new law to confer universal savings accounts on children born in Israel. The law takes effect in January 2017.
Racial Disparities in Student Debt: Evidence From the Refund to Savings Initiative
Taylor, S. H., Perantie, D. C., Kantor, N., Grinstein-Weiss, M., Guo, S., & Raghavan, R. (2016, May). Racial disparities in student debt: Evidence from the Refund to Savings Initiative (CSD Research Brief No. 16-14). St. Louis, MO: Washington University, Center for Social Development.
The Burden of Student Debt: Findings From a Survey of Low- and Moderate-Income Households
Despard, M. R., Taylor, S. H., Perantie, D. C., & Grinstein-Weiss, M. (2016, May). The burden of student debt: Findings from a survey of low- and moderate-income households (CSD Research Brief No. 16-15). St. Louis, MO: Washington University, Center for Social Development.
Racial Disparities in Education Debt Burden Among Low- and Moderate-Income Households
Grinstein-Weiss, M., Perantie, D. C., Taylor, S. H., Guo, S., & Raghavan, R. (2016). Racial disparities in education debt burden among low- and moderate-income households. Children and Youth Services Review, 65, 166–174. doi:10.1016/j.childyouth.2016.04.010
Frequently Asked Questions About the Features of Child Development Accounts in Israel
Grinstein-Weiss, M., Covington, M., Brewster, M., & Oliphant, J. E. (2016, April). Frequently asked questions about the features of Child Development Accounts in Israel (CSD Fact Sheet No. 16-12). St. Louis, MO.
A Savings Account for Every Child Born in Israel: Recommendations for Program Implementation
Grinstein-Weiss, M., Covington, M., Clancy, M. M., & Sherraden, M. (2016, April). A savings account for every child born in Israel: Recommendations for program implementation (CSD Policy Brief No. 16-11). St. Louis, MO: Washington University, Center for Social Development.
CSD research reveals racial disparities in education debt

New research from the Center for Social Development at Washington University showed that low- to moderate-income black students and graduates accrued $7,721 more education debt than their white counterparts.
Senators propose ‘Rainy Day’ act to urge Americans to save

Just days before this year’s April 18 tax filing deadline, U.S. Sens. Cory Booker (D-NJ) and Jerry Moran (R-KS) proposed a plan to encourage Americans to build emergency funds.