In the 21st century the world is highly financialized, and income alone is not a sufficient support for millions of households. All people require access to safe financial products and services as well as sound financial knowledge. In addition, all families should be able to accumulate assets for their security and long-term development. Since its inception, CSD has served as a leading center for research on ways to enhance the financial security and development of families in the United States and around the world.

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Research from 2015

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Do EITC Recipients Use Their Tax Refunds to Get Ahead? Evidence From the Refund to Savings Initiative, Mathieu R. Despard, Dana C. Parantie, Jane Oliphant, and Michal Grinstein-Weiss

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Does Unsecured Debt Decrease Savings? Evidence From the Refund to Savings Initiative, Michal Grinstein-Weiss, Jane Oliphant, Blair D. Russell, and Ray Boshara

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Effects of an Individual Development Account Program on Retirement Saving: Follow-Up Evidence From a Randomized Experiment, Michal Grinstein-Weiss, Michael Sherraden, William G. Gale, William M. Rohe, Mark Schreiner, Clinton Key, and Jane E. Oliphant

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Facilitators and Obstacles in Youth Saving: Perspectives From Ghana and Kenya, Li Zou, Sarah Myers Tlapek, Githinji Njenga, Dorcas Opai-Tetteh, and Margaret S. Sherraden

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Financial Capability and Asset Building in Social Work Education: “The Big Piece Missing?”, Margaret S. Sherraden, Julie Birkenmaier, Michael Rochelle, and Gena G. McClendon

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Financial Capability and Asset Development: Research, Education, Policy, and Practice, Julie Birkenmaier, Margaret S. Sherraden, and Jami C. Curley

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Food Insecurity and Financial Access During an Economic Recession: Evidence From the 2008 SIPP, Julie Birkenmaier, Jin Huang, and Youngmi Kim

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Head Start Family Financial Capability: 2013–2014 Annual Report of the Asset Project, Jami Curley and Anne S. Robertson

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Homeownership, the Great Recession, and Wealth: Evidence From the Survey of Consumer Finances, Michal Grinstein-Weiss, Clinton Key, and Shannon Carrillo

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How Do Norms Inform Our Approach to Financial Empowerment?, Camille M. Busette

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Impacts of Financial Inclusion on Youth Development: Findings From the Ghana YouthSave Experiment, Gina Chowa, Rainier Masa, David Ansong, Mat Despard, Shiyou Wu, Deborah Hughes, Isaac Osei-Akoto, Stephanie Afranie, Naa Adjorkor Mark-Sowah, Charles Ofori-Acquah, YungSoo Lee, Lissa Johnson, and Michael Sherraden

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Racial and Ethnic Disparities in Food Insufficiency: Evidence From a Statewide Probability Sample, Yunju Nam, Jin Huang, Colleen Heflin, and Michael Sherraden

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Refund to Savings 2013: Comprehensive Report on a Large-Scale Tax-Time Saving Program, Michal Grinstein-Weiss, Dana C. Perantie, Blair D. Russell, Krista Comer, Samuel H. Taylor, Lingzi Luo, Clinton Key, and Dan Ariely

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Refund to Savings: Creating Contingency Savings at Tax Time, Michal Grinstein-Weiss

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Starting Early for Financial Success: Capability Into Action [Special Issue], Michal Grinstein-Weiss and Margaret S. Sherraden

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Statement Given in Bridging the Gap: How Prepared Are Americans for Retirement? Hearing Before the U.S. Senate Special Committee on Aging, Michal Grinstein-Weiss

"Taking the Bank to the Youth:" Impacts on Saving and Asset Building From the Ghana YouthSave Experiment, YungSoo Lee, Lissa Johnson, Michael Sherraden, David Ansong, Isaac Osei-Akoto, and Gina Chowa

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Tax-Time Savings Among Low-Income Households in the $aveNYC Program, Clinton Key, Jenna N. Tucker, Michal Grinstein-Weiss, and Krista Comer

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The Early Positive Impacts of Child Development Accounts, Sondra G. Beverly, Margaret M. Clancy, and Michael Sherraden

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The SEED for Oklahoma Kids Child Development Account Experiment: Accounts, Assets, Earnings, and Savings, Sondra G. Beverly, Margaret M. Clancy, Jin Huang, and Michael Sherraden

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The Volunteer Income Tax Preparer's Toolkit: Showing Clients Why Tax Time Is the Right Time to Save, Meredith Covington, Janie Oliphant, Dana Perantie, and Michael Grinstein-Weiss

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Toward Productive Research Agendas in Financial Inclusion, Security, and Development, Michael Sherraden and Margaret S. Sherraden

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Universal Accounts at Birth: Building Knowledge to Inform Policy, Michael Sherraden, Margaret M. Clancy, Yunju Nam, Jin Haung, Youngmi Kim, Sondra G. Beverly, Lisa Reyes Mason, Nora Ellen Wikoff, Mark Schreiner, and Jason Q. Purnell

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Use of Alternative Financial Services Among Low- and Moderate-Income Households: Findings From a Large-Scale National Household Financial Survey, Mathieu R. Despard, Dana C. Perantie, Lingzi Luo, Jane Oliphant, and Michal Grinstein-Weiss

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Voices of Youth, Parents, and Stakeholders: Findings From Case Studies in the YouthSave Project, Li Zou, Sarah Myers Tlapek, Margaret S. Sherraden, John W. Gabbert, Amy Ritterbusch, Ernest Appiah, Dorcas Opai-Tetteh, Githinji Njenga, Joseph Kieyah, Sharad K. Sharma, Jyoti Manandhar, and Manik Maharjan

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Youth Saving Patterns and Performance in Colombia, Ghana, Kenya, and Nepal: Key Findings, Lissa Johnson, YungSoo Lee, David Ansong, Margaret S. Sherraden, Gina A. N. Chowa, Fred Ssewamala, Li Zou, Moses Njenga, Joseph Kieyah, Isaac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, Juan Saavedra, and Michael Sherraden

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Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal, Lissa Johnson, YungSoo Lee, David Ansong, Margaret Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Moses Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, and Juan Saavedra

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Youth Savings Patterns and Performance in Colombia, Ghana, Kenya, and Nepal: Executive Summary, Lissa Johnson, YungSoo Lee, David Ansong, Margaret S. Sherraden, Gina Chowa, Fred Ssewamala, Li Zou, Michael Sherraden, Mose Njenga, Joseph Kieyah, Issac Osei-Akoto, Sharad Sharma, Jyoti Manandhar, Catherine Rodriguez, Frederico Merchán, and Juan Saavedra

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Youth Savings Patterns and Performance in Ghana: A Supplementary Report, Lissa Johnson, YungSoo Lee, David Ansong, Gina Chowa, Michael Sherraden, and Isaac Osei-Akoto

Research from 2014

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Asset-Building Policies and Innovations in Asia, Michael Sherraden, Li Zou, Hok-bun Ku, Suo Deng, and Sibin Wang

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Automatic Deposits for All at Birth: Maine's Harold Alfond College Challenge, Margaret M. Clancy and Michael Sherraden

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Baseline Survey of the Third Cohort: A Supplemental Report From the YouthSave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Shiyou Wu, Yalitza Ramos, and Meli Blake Kimathi

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Building a Lifetime of Economic Security: Mobilizing for Change, Center for Social Development

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Does Outstanding Student Debt Reduce Asset Accumulation?, William Elliott, Michal Grinstein-Weiss, and Ilsung Nam

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Economic Intervention and Parenting: A Randomized Experiment of Statewide Child Development Accounts, Yunju Nam, Nora Wikoff, and Michael Sherraden

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Education Loans and Wealth Building Among Young Adults, Min Zhan and Xiaoling Xiang

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Effects of Child Development Accounts on Early Social-Emotional Development: An Experimental Test, Jin Huang

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Financial Capability and Asset Accumulation for Children's Education: Evidence From an Experiment of Child Development Accounts, Jin Huang, Yunju Nam, Michael Sherraden, and Margaret M. Clancy

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Financial Education and Savings Outcomes for Low-Income IDA Participants: Does Age Make a Difference?, Michal Grinstein-Weiss, Shenyang Guo, Vanessa Reinertson, and Blair Russell

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Heterogeneous Effects of Child Development Accounts on Savings for Children's Education, Jin Huang, Youngmi Kim, Michael Sherraden, and Margaret Clancy

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Impacts of Child Development Accounts on Maternal Depressive Symptoms: Evidence From a Randomized Statewide Policy Experiment, Jin Huang, Michael Sherraden, and Jason Q. Purnell

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Innovations in Asset Building, Michael Sherraden

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Lack of Emergency Savings Puts American Households at Risk, Michal Grinstein-Weiss, Blair Russell, Brad Tucker, and Krista Comer

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Material Hardship and 529 College Savings Plan Participation: The Mitigating Effects of Child Development Accounts, Nora Wikoff, Jin Huang, Youngmi Kim, and Michael Sherraden

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Program Knowledge and Savings in a Child Development Account Experiment, Yunju Nam, Elizabeth Hole, Michael Sherraden, and Margaret Clancy

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Rediscovering Social Investment in Developmental Welfare State Policies (DWSP): Back to the Future, Karl Johnson

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Refund to Savings: 2013 Evidence of Tax-Time Saving in a National Randomized Control Trial, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, and Dan Ariely

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Refund to Savings: 2013 Results From a National Experiment to Build Financial Stability at Tax Time, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, and Dan Ariely

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Research Summary: Testing Universal College Savings Accounts at Birth: Early Research From SEED for Oklahoma Kids, Sondra G. Beverly, Margaret M. Clancy, and Michael Sherraden

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Testing a Measurement Model of Financial Capability Among Youth in Ghana, Mathieu R. Despard and Gina A. N. Chowa