Language
English (en)
Publication Date
1-28-2026
Summary
Work arrangements have become increasingly varied in recent years, with much labor-market participation happening outside of traditional full-time roles. As gig work and other forms of self-employment, contract labor, and part-time positions grow, and work arrangements diversify, employment instability is a growing concern, especially for low-wage workers. This brief presents original evidence on the use of financial services among low-wage workers in the United States. Data come from the Workforce Economic Inclusion and Mobility (WEIM) survey administered to a nationally representative sample of 2,511 U.S. workers earning less than 250% of the federal poverty line.
Document Type
Working Paper
Category
Financial Inclusion
Subarea
Income Policy
Original Citation
Nixon, A. J., Jr., & Despard, M. (2026). Employment circumstances and use of financial services among low-wage workers (CSD Research Brief No. 26-04). Washington University, Center for Social Development.
Project
Workforce Economic Inclusion and Mobility (WEIM)
Keywords
Workforce Economic Inclusion and Mobility ; United States; employment; job characteristics; financial services; gig work; bank account;
Recommended Citation
Nixon, A. J., Jr., & Despard, M. (2026). Employment circumstances and use of financial services among low-wage workers (CSD Research Brief No. 26-04). Washington University, Center for Social Development.