Journal Article
Thinking Big—And Thinking Small
Boshara, Ray (2017-07)
Modest but scalable innovations can reshape economic opportunity for struggling Americans.
Bridges , Issue Summer

Which Families Are Most Vulnerable to an Income Shock? A Look at Race and Ethnicity
Ricketts, Lowell R.; Boshara, Ray (2020-12-08)
While liquid assets, education and other factors are associated with how economically resilient families may be during a crisis, race and ethnicity are also related.
On the Economy

Report
After the fall : rebuilding family balance sheets, rebuilding the economy
Boshara, Ray; Emmons, William R. (2012)
Essay from the 2012 Annual Report.
Annual Report

Identifying the Most Financially Vulnerable Families
Boshara, Ray; Ricketts, Lowell R. (2020-12-07)
Households with less than two months’ income in liquid assets and those with high debt-to-income ratios face the greatest risk of serious delinquency.
On the Economy

Journal Article
The Challenges and Promises of Rural America
Boshara, Ray (2019-07)
A trip to a rural Minnesota town prompts an assessment of the issues?and innovations?that impact similar communities across the nation.
Bridges , Issue Summer

Journal Article
Does College Level the Playing Field?
Boshara, Ray; Ricketts, Lowell R.; Emmons, William R. (2017-04)
The answer to this question may be ?No?; read about a research symposium and subsequent paper that explored the links between race and ethnicity, and education and wealth.
Bridges , Issue Spring

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 2: The Role of Education
Noeth, Bryan J.; Boshara, Ray; Emmons, William R. (2015)
New research by the Center for Household Financial Stability shows that there's a strong correlation between education and money. More of the former often leads to more of the latter. However, correlation is not causation?there is no guarantee that more education will lead to more wealth. Many other factors might be in play, such as natural ability, family environment, inheritances and even health. It's entirely possible that what's learned in the classroom has much less influence on lifetime earnings and wealth accumulation than most people believe. In fact, your ability, family background, ...
Demographics of Wealth , Issue 2 , Pages 1-28

Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 1: Race, Ethnicity and Wealth
Noeth, Bryan J.; Boshara, Ray; Emmons, William R. (2015)
This first essay in the "Demographics of Wealth" series examines the connection between race or ethnicity and wealth accumulation over the past quarter-century. As with subsequent essays, this one is the result of an analysis of data collected between 1989 and 2013 through the Federal Reserve's Survey of Consumer Finances. More than 40,000 heads of households were interviewed over those years.
Demographics of Wealth , Issue 1 , Pages 1-24

Journal Article
Understanding Banking from the Ground Up
Boshara, Ray (2017-10)
Thoughts on banking, the unbanked and financial health after an event featuring Lisa Servon, author of The Unbanking of America: How the New Middle Class Survives.
Bridges , Issue Fall

Journal Article
Introduction
Noeth, Bryan J.; Boshara, Ray (2014)
Review , Volume 96 , Issue 4 , Pages 295-304