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Periodic Essay
Which Families Are Most Vulnerable to an Income Shock such as COVID-19?
Families without enough "safe" assets and too much debt are at risk—who else should policymakers and others target for economic assistance?
Journal Article
Thinking Big—And Thinking Small
Modest but scalable innovations can reshape economic opportunity for struggling Americans.
Which Families Are Most Vulnerable to an Income Shock? A Look at Race and Ethnicity
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.
Report
After the fall : rebuilding family balance sheets, rebuilding the economy
Essay from the 2012 Annual Report.
Periodic Essay
The Demographics of Wealth - How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy. Essay No. 3: Age, Birth Year and Wealth
Although there may be downsides to old age, those 62 and older can take heart in knowing that the odds are in favor of their being wealthier than younger people. And the gap has widened considerably over the past quarter-century?in favor of old people. That said, being old isn?t what it used to be. Baby boomers, who are now retiring in droves, are likely to be less well-off than their ?old? counterparts in the two previous generations. And it looks as if members of the next two generations ? Generation X and Generation Y (the millennials) ? might also end up less wealthy than the generation ...
Identifying the Most Financially Vulnerable Families
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.
Journal Article
The Challenges and Promises of Rural America
A trip to a rural Minnesota town prompts an assessment of the issues?and innovations?that impact similar communities across the nation.
Journal Article
Does College Level the Playing Field?
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.
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
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, ...
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
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.