Journal Article
Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth
Boshara, Ray; Emmons, William R. (2014-01)
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

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

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

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

Journal Article
Keynote Conversation
Darity, William A.; Boshara, Ray (2017)
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

Periodic Essay
Which Families Are Most Vulnerable to an Income Shock such as COVID-19?
Boshara, Ray; Ricketts, Lowell R. (2020-05-01)
Families without enough "safe" assets and too much debt are at risk—who else should policymakers and others target for economic assistance?
In the Balance

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

“Parasite,” COVID-19, and U.S. Wealth Inequality
Boshara, Ray; Kent, Ana Hernández (2020-03-27)
The movie “Parasite” focuses on two South Korean families on the opposite ends of the wealth spectrum. What insights can it provide about wealth inequality in the U.S.?
On the Economy

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