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 2012

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Intergenerational Transmission of Educational Attainment, Jin Huang

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Interviews With Mothers of Young Children in the SEED for Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, and Julie Miller-Cribbs

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Long-Term Follow-Up of Individual Development Accounts: Evidence From the ADD Experiment, Michal Grinstein-Weiss, Michael Sherraden, William M. Rohe, William Gale, Mark Schreiner, and Clinton Key

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My Path: An Innovative Initiative to Increase Financial Capability Among Economically Vulnerable Youth, Vernon Loke, Margaret Libby, and Laura Choi

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Parental Asset Accumulation Trajectories and Children's College Outcomes, Vernon Loke

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Parental Educational Expectations by Race/Ethnicity and Socioeconomic Status, Youngmi Kim, Michael Sherraden, and Margaret Clancy

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Parenting Stress Among White, Black, American Indian, and Hispanic Mothers, Yunju Nam, Nora Wikoff, and Michael Sherraden

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Product Pilot Report: Youth Savings Performance in Ghana, Kenya, and Nepal, Lissa Johnson, YungSoo Lee, Isaac Osei-Akoto, Moses Njenga, and Sharad Sharma

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Racial and Ethnic Disparities in Food Insufficiency: Evidence From a Statewide Probability Sample of White, African American, American Indian, and Hispanic Infants, Yunju Nam, Jin Huang, Colleen Heflin, and Michael Sherraden

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Saving in Childhood and Adolescence: Insights From Developmental Psychology, Annette Otto

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Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul, Youngmi Kim, Soonung Lee, and Michael Sherraden

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Socioeconomic Status and Early Savings Outcomes: Evidence From a Statewide Child Development Account Experiment, Sondra G. Beverly, Youngmi Kim, Michael Sherraden, Yunju Nam, and Margaret Clancy

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Testing an Asset-Building Approach for Young People: Early Access to Savings Predicts Later Savings, Terri Friedline, William Elliott, and Gina Chowa

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The Effects of College Savings on Postsecondary School Enrollment Rates of Students With Disabilities, Gregory A. Cheatman and William Elliott III

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The Impact of Household Possessions on Youth's Academic Achievement in the Ghana YouthSave Experiment, Gina A. N. Chowa, Rainier D. Masa, Christopher J. Wretman, and David Ansong

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The Impact of Youth Debt on College Graduation, Min Zhan

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Validity of Infact Race/Ethnicity From Birth Certificates in the Context of U.S. Demographic Change, Lisa Reyes Mason, Yunju Nam, and Youngmi Kim

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We Save, We Go to College., William Elliott III

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Why Policy Makers Should Care About Children's Savings, William Elliott III

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"You Pay Your Share, We'Ll Pay Our Share": The College Cost Burden and the Role of Race, Income, and College Assets, William Elliott and Terri Friedline

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Youth and Saving in Ghana: A Baseline Report From the YouthSave Ghana Experiment, Gina Chowa, David Ansong, Rainier Masa, Mat Despard, Isaac Osei-Akoto, Atta-Ankomah Richmond, Andrew Agyei-Holmes, and Michael Sherraden

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Youth in the Ghana Experiment: Characteristics and Living Conditions, Gina A. N. Chowa, Rainier Masa, and Isaac Osei-Akoto

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Youth-Related Policies, Center for Social Development; Institute for Statistical, Social, and Economic Research; Kenya Institute for Public Policy Research and Analysis; and New ERA; Universidad de los Andes

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Youth Saving Patterns and Performance in Ghana, Gina A. N. Chowa, Mathieu R. Despard, and Issac Osei-Akoto

Research from 2011

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A Process Model of Children's Savings Indirect Effects on College Progress, William Elliott III, Ilsung Nam, and Toni Johnson

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Asset-Based Policy in China: Applied Project and Policy Progress, Li Zou

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Asset-Based Policy in South Korea, Youngmi Kim, Li Zou, Young Sun Joo, and Michael Sherraden

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Asset Poverty in Urban China: A Study Using the 2002 Chinese Household Income Project, Jin Huang, Minchao Jin, Suo Deng, Baorong Guo, Li Zou, and Michael Sherraden

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Broad and Deep: The Extensive Learning Agenda in YouthSave, Center for Social Development

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Closing the Wealth Gap: Promoting Change by Working Together, Jennifer Heffern and Aja Riley

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College Savings Match Programs: Design and Policy, Terry Lassar, Margaret M. Clancy, and Sarah McClure

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College Success and College Savings Plan Innovations: A Summary of Research, Center for Social Development

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Direct Effects of Assets and Savings on the College Progress of Black Young Adults, William Elliott III and Ilsung Nam

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Direct Effects of Assets and Savings on the College Progress of Black Young Adults, William Elliott III and Ilsung Nam

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Do Child Development Accounts Promote Account Holding, Saving, and Asset Accumulation for Children's Future? Evidence From a Statewide Randomized Experiment, Yunju Nam, Youngmi Kim, Margaret Clancy, Robert Zager, and Michael Sherraden

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Experiment in Ghana off to a Good Start, Center for Social Development

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Financial Capabilities of Service Providers: Results of an Online Survey of the Asset-Building Field in Washington State, Vernon Loke

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Gender and Asset Dimensions of Seasonal Water Insecurity in Urban Philippines, Lisa Reyes Mason

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Reducing the College Progress Gap Between Low- to Moderate-Income (LMI) and High-Income (HI) Young Adults, William Elliott III, Monique Constance-Huggins, and Hyun-a Song

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Reducing the College Progress Gap Between Low- to Moderate-Income (LMI) and High-Income (HI) Young Adults: Assets as an Understudied Form of Economic Capital, William Elliott III, Monique Constance-Huggins, and Hyun-a Song

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Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul (Second-Year Collaborative Research Report), Youngmi Kim, Soonung Lee, and Mihyun Kim

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Survey Response in a Statewide Social Experiment: Differences in Being Located and Collaborating by Race and Hispanic Origin, Yunju Nam, Lisa Reyes Mason, Youngmi Kim, Margaret Clancy, and Michael Sherraden

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Taking Stock of Ten Years of Research on the Relationship Between Assets and Children's Educational Outcomes: Implications for Theory, Policy, and Intervention, William Elliott III, Mesmin Destin, and Terri Friedline

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Ten-Year Impacts of Individual Development Accounts on Homeownership: Evidence From a Randomized Experiment, Michal Grinstein-Weiss, Michael Sherraden, William Gale, William M. Rohe, Mark Schreiner, and Clinton Key

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The Age Old Question, Which Comes First? a Simultaneous Test of Children's Savings and Children's College-Bound Identity, William Elliott III, Eun Hee Choi, Mesmin Destin, and Kevin Kim

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The Age Old Question, Which Comes First? a Simultaneous Test of Children's Savings and Children's College-Bound Identity, William Elliott III, Eun Hee Choi, Mesmin Destin, and Kevin H. Kim

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The Basic Economic Security Tables for the US Report, Center for Social Development

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Toward a Children's Savings and College-Bound Identity Intervention for Raising College Attendance Rates: A Multilevel Propensity Score Analysis, William Elliott III, Gina Chowa, and Vernon Loke

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Two Accounts for Why Adolescent Savings Is Predictive of Young Adult Savings: An Economic Socialization Perspective and an Institutional Perspective, William Elliott III, Paul Webley, and Terri Friedline

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When Effort and Ability Are Not Enough to Reduce the College Enrollment Gap, Does College Savings Help?, William Elliott III