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Author:Boshara, Ray 

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.
Bridges , Issue Summer

Journal Article
Keynote Conversation

In an interview format, including questions and answers from attendees, the authors discuss key issues surrounding the central question of the symposium: Does college level the playing field? {{p}}
Review , Volume 99 , Issue 1 , Pages 103-120

Five Ideas to Support Families amid Growing Wealth Inequality

Setting up emergency savings and creating new ways to build wealth are some ideas that could increase the economic resiliency of U.S. families.
On the Economy

Journal Article
Thrivers and Strugglers: A Growing Economic Divide

Ray Boshara, director of the Center for Household Financial Stability at the St. Louis Fed, discusses research from the center suggesting that age/birth year, education and race/ethnicity increasingly matter for building wealth and financial security.
Bridges , Issue Winter

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.
On the Economy

Journal Article
Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth

Greatly expanded access to home mortgages during the 1980s, 1990s, and 2000s appeared to make the American dream a reality for millions of families. Homeownership was attainable by many who, for the first time, were able to take out a mortgage with an extremely low or no down payment ? even if they had a blemished credit history or none at all. For those with access to their accumulated home equity through mortgage refinancing or other home-secured borrowing, as well as to other sources of credit, lack of available cash no longer meant that they had to delay making routine purchases, buying a ...
Cascade , Volume 1

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.
On the Economy

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, ...
Demographics of Wealth , Issue 2 , Pages 1-28

Journal Article
Thanks, Dad: You Were Right about Saving and Paying Off Debt

Ray Boshara shares a lesson his father taught him about always having cash to fall back on. Recent research shows that his dad was right.
Bridges , Issue Spring

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 ...
Demographics of Wealth , Issue 3 , Pages 1-28

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