Tag: Stephen Roll

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.

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

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

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 […]

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 […]

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 […]

Can behavioral nudges and incentives help lower-income households build emergency savings with tax refunds? Evidence from field and survey experiments

Abstract Tax refunds are an opportunity for lower-income households to accumulate emergency savings so they have cash on hand to cover expenses when income is insufficient. Our field experiments testing different behavioral interventions to encourage refund saving via online tax filing show small effect sizes (0.12–0.14) and a low aggregate savings rate (12%) that might […]

Prevalence of Long-COVID Among Low-Income and Marginalized Groups: Evidence From Israel

Abstract Objective: To identify the socioeconomic and demographic factors associated with the prevalence of self-reported long-COVID symptoms. Method: We examined the association between acute-COVID (SARS-CoV-2) and long-COVID symptoms, by a cross-sectional analysis of data obtained on a prospective online-survey, conducted from November to December 2021 on a nationally-representative sample of the Israeli population (N = 2,246). Results: Findings […]

Predictors of and Barriers to Receipt of Advance Premium Tax Credits

Abstract Objectives: The Advance Premium Tax Credit (APTC) is designed to remedy lack of health insurance due to cost; however, approximately 30 million Americans remain without health insurance, and millions of households leave billions in tax credits unclaimed each year. A prerequisite of APTC is to file one’s taxes; however, few studies have examined tax filing […]

At Home and on the Brink: U.S. Parents’ Mental Health during COVID-19

Abstract Though the COVID-19 pandemic required significant changes and adaptations for most Americans, parents faced acute challenges as they had to navigate rapidly changing schooling and child care policies requiring their children to spend more time at home. This study examines the effects of COVID-19 school and workplace policies as well as environmental and economic […]

“Take my word for it”: Group Texts and Testimonials Enhance State and Federal Student Aid Applications

Abstract As the cost of college continues to rise, it has become increasingly important for students to apply for financial aid. However, many students are unaware of the benefits of the Free Application for Federal Student Aid (FAFSA). We launched a field experiment with a non-profit organization to explore how both informational- and testimonial-type text […]

Household Spending Patterns and Hardships during COVID-19: A Comparative Study of the U.S. and Israel

Abstract The combined supply and demand shocks of the COVID-19 pandemic have created the largest consumer behavior shift in recent history, while exposing millions of households to material hardships like food insecurity and housing instability. In this study, we draw on national surveys conducted early in the pandemic to investigate the pandemic’s effects on self-reported […]

Experimental Evidence on Consumption, Saving, and Family Formation Responses to Student Debt Forgiveness

The Earned Income Tax Credit (EITC) provides substantial financial support to low-income Universal basic income has gained renewed interest among policymakers and researchers in the U.S. While research indicates that unconditional cash transfers produce diverse benefits for households, public support lags in part due to the predicted unemployment and frivolous As policy-makers grapple with whether […]

Does a Food Insecurity Intervention Improve Perinatal Outcomes for Mother and Child? A Randomized Control Study Protocol of the Fresh Rx: Nourishing Healthy Starts Program

Ferris, D., Roll, S., Huang, J., Mathews, K., Ragain, T., Simpson, K., Jabbari, J., Gilbert, K., Frank, T., & Rothman, S. (2022). Does a food insecurity intervention improve perinatal outcomes for mother and child? A randomized control study protocol of the Fresh Rx: Nourishing Healthy Starts program. Journal of Public Health Research, 11(2), Article 22799036221102496. https://doi.org/10.1177/22799036221102496

Expanded Child Tax Credit payments have not reduced employment

Approximately 60 million American children living in 35 million households received monthly payments from the federal government as part of the temporary Child Tax Credit (CTC) expansion. Discourse over whether or not the expanded CTC caused parents to leave the workforce emerged during the period of the expanded credit. On one side, a large number […]

The Impact of Tax Refund Delays on the Experience of Hardship Among Lower-Income Households

Abstract The Earned Income Tax Credit (EITC) provides substantial financial support to low-income workers in the USA, yet around a quarter of EITC payments are estimated to be erroneous or fraudulent. Beginning in 2017, the Protecting Americans from Tax Hikes Act of 2015 requires the Internal Revenue Service to spend additional time processing early EITC […]

The Precarity of Self-Employment among Low- and Moderate-Income Households

Abstract Many people in the United States have achieved economic stability through self-employment and are often seen as embracing the entrepreneurial spirit and seizing opportunity. Yet, research also suggests that self-employment may be precarious for many people in the lower socioeconomic strata. Drawing on a unique dataset that combines longitudinal survey data with administrative tax […]

Do Racial and Ethnic Disparities in Savings and Job Loss during COVID-19 Explain Disparities in Housing Hardships? A Moderated Mediation Analysis

Abstract Despite the array of public programs offered to help households mitigate the economic impacts of the COVID-19 pandemic, many still needed to rely on savings, credit, or other assets to make ends meet. This reality may exacerbate existing social and economic inequities because racial and ethnic minorities often have lower access to assets and […]

Crashing without a Parachute: Racial and Educational Disparities in Unemployment during COVID-19

Abstract The burden of the COVID-19 pandemic has not been shouldered equally by American families. Black and Hispanic communities have been hit the hardest, with the pandemic often exacerbating existing disparities. Using nationally representative data, we assess the economic and public health effects of the pandemic among different socioeconomic groups and whether typical sources of […]

Cut me some slack! An exploration of slack resources and technology-mediated human capital investments in entrepreneurship

Purpose In this paper, the authors explore the relationship that slack resources and technology-mediated human capital investments can have on individuals’ entrepreneurial intentions. Focusing on human capital investments that individuals make through education and work, the authors analyze the relationship among formal online learning opportunities, informal skill development in the gig economy and entrepreneurial intentions. […]

Financial Shocks and Financial Well-Being: What Builds Resiliency in Lower-Income Households?

Households in the U.S. regularly experience unexpected negative income or expense shocks, and low- and moderate-income households experience these shocks at disproportionately high rates. Relatively little is known about the impact these shocks have on households’ subjective sense of financial well-being, and how access to different types of liquidity (e.g., liquid assets, credit cards, social […]

Did government benefits help Israeli households avoid hardship during COVID-19? Evidence from a national survey

At the outset of the COVID-19 pandemic, the government of Israel quickly introduced aggressive social distancing measures to curb the virus spread and adapted its unemployment insurance program in response to rising unemployment rates. This study examines the relationship between household income and the experience of material hardship during the COVID-19 pandemic in Israel and […]

How Did School Meal Access Change During the COVID-19 Pandemic? A Two-Step Floating Catchment Area Analysis of a Large Metropolitan Area

Jabbari, J., Chun, Y., Nandan, P., McDermott, L., Frank, T., Moreland-Russell, S., Ferris, D., Roll, S. (2021). How did school meal access change during the COVID-19 pandemic? A two-step floating catchment area analysis of a large metropolitan area. International Journal of Environmental Research and Public Health, 18(21), Article 11350. https://doi.org/10.3390/ijerph182111350

Impact of COVID-19 on Households with Children

The COVID-19 pandemic caused major disruptions in employment, child care and education. As a result, both parents and children experienced a variety of hardships in their work and education. While these hardships had reverberating effects throughout households, they were not equally distributed across families with children. In this brief, we explore the effects of COVID-19 […]

Employment Changes During COVID-19

Early in the COVID-19 pandemic, U.S. unemployment peaked at 14.4%. While some workers have returned to payrolls, others have been left behind. This brief examines the nuances of employment changes over the course of the pandemic and the impact of those changes on household financial well-being. Our study finds that the proportion of employees who […]

Housing Hardships During COVID-19

Even prior to the COVID-19 pandemic, U.S. households were burdened by the cost of rental and mortgage payments, burdens which disproportionately fell on Black and Hispanic families. Using a 5-wave survey, we examined whether disparities in housing cost burden continued throughout the pandemic and trends in how households fell behind on rent and mortgage payments. […]