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Journal Article
Universal CSAs in Illinois: Addressing the Racial Wealth Gap
In Angela Glover Blackwell?s essay in What It?s Worth, she talks about her childhood and how she was fortunate to have access to community assets that provide ?ladders for success.? While these assets created a pathway to financial security that included college for many in her community, she acknowledges that similar ?communities of opportunity? are not the reality for many families of color. In Illinois, there are significant disparities in opportunity between majority white communities and communities of color. According to the 2016 Illinois Poverty Report, poverty rates are two to three ...
Journal Article
Responding to a Growing Retirement Savings Crisis: A Promising Proposal in Illinois
Forty-five percent of all working-age households in the United States, or over 38 million households, have no retirement savings at all. A major reason for inadequate savings is the growing lack of access to an employment-based retirement savings account. Lower-wage workers are less likely to have access to easy and convenient tools to build retirement savings. New and proposed state-level programs, however, can offer these workers the opportunity to save their own money for retirement by expanding access to employment-based retirement savings accounts.