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 2011

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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

Research from 2010

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Asset Building in the South: Organizations and Services, Gena Gunn, Jennifer Heffern, and Karen Edwards

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Assets and Liabilities, Race/Ethnicity, and Children's College Education, Min Zhan and Michael Sherraden

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Assets and Liabilities, Race/Ethnicity, and Children's College Education, Min Zhan and Michael Sherraden

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CDA Legislative Challenges and Opportunities, Fred T. Goldberg, Bob Friedman, and Ray Boshara

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College Savings Plan Accounts at Birth: Maine's Statewide Program, Margaret M. Clancy and Terry Lassar

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Do Parental Assets Matter for Children's Educational Attainment?: Evidence From Mediation Tests, Youngmi Kim and Michael Sherraden

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Earned Income Tax Credit (EITC) Utilization in Native Communities, Kristen Wagner and Amy Locklear Hertel

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Financial Capability: What Is It, and How Can It Be Created?, Margaret S. Sherraden

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From Helena to Harlem: Experiences of Lower-Income Rural and Urban Parents in Childrens Savings Account Programs, Edward Scalon and LeAnn Wittman

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Household Assets and Food Stamp Program Participation Among Eligible Low-Income Households, Jin Huang, Yunju Nam, and Nora Wikoff

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Lessons From SEED: A National Demonstration of Child Development Accounts, Michael Sherraden, Julia Stevens, Deborah Adams, Ray Boshara, Margaret Clancy, Reid Cramer, Bob Friedman, Rochelle Howard, Karol Krotki, Ellen Marks, Lisa Mensah, Bryan Rhodes, Carl Rist, Edward Scanlon, Trina Williams Shanks, Michael Sherraden, Julia Stevens, Leigh Tivol, and Robert Zager

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Perspective From the Left: Childrens Savings Accounts, Mobility, and Inequality, Jared Bernstein

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Perspective From the Right: Building a Cross-Ideological Consensus for Child Development Accounts, David John

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Policy Context for CDAs Over the Next 20 Years, Eugene Steuerle

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Research on Assets for Children and Youth : Reflections on the Past and Prospects for the Future, Deborah Adams, Yunju Nam, Trina R. Williams Shanks, Sarah Hicks, and Christine Robinson

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Rwanda Country Assessment for Youth Development Accounts, Sarah Myers Tlapek

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Saving for College: A Policy Primer, Margaret M. Clancy, Terry Lassar, and Krista Taake

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Saving for Post-Secondary Education in American Indian Communities, Amy Locklear Hertel and Mary Elizabeth Jäger

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Saving for Post-Secondary Education in American Indian Communities: A Geospatial and Quantitative Analysis, Amy Locklear Hertel and Mary Elizabeth Jäger

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Savings and Financial Services in Native Communities, Kristen Wagner and Kristen Wagner

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Savings Outcomes of an IDA Program for Survivors of Domestic Violence, Cynthia Sanders

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Seoul Hope Plus Savings Accounts: Asset-Building Program for Low-Income Households in Seoul, Mihyun Kim, Jisung Kwon, Sunwook Chung, Hyunmira Hong, Yunju Nam, Youngmi Kim, and Eunlye Lee

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Staying on Course: The Effects of Savings and Assets on the College Progress of Young Adults, Sondra G. Beverly and William Elliott III

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Staying on Course: The Effects of Savings and Assets on the College Progress of Young Adults, William Elliott III and Sondra G. Beverly

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The Basics of Progressive 529s, Center for Social Development