US Financial Diaries @USFDstudy
Telling the stories of how 200+ low- and moderate-income families manage their financial lives. A joint initiative with @CFSInnovation and @financialaccess. usfinancialdiaries.org Joined September 2014-
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Yes, getting a big refund means you overpaid your taxes. But in a low-inflation environment that amounts to a pretty good savings mechanism for millions of Americans bloomberg.com/opinion/articl…
It's not just about tomorrow, but week-to-week and month-to-month ups and downs. See Chapter 7 of The Financial Diaries. amzn.to/2kbpIEU
It's not just about tomorrow, but week-to-week and month-to-month ups and downs. See Chapter 7 of The Financial Diaries. amzn.to/2kbpIEU
Most poor households are only sometimes poor. Steady jobs don't mean steady income. Policies often don't fit needs. Despite the evidence, it's remarkably hard to shift the narrative about poverty.
Most poor households are only sometimes poor. Steady jobs don't mean steady income. Policies often don't fit needs. Despite the evidence, it's remarkably hard to shift the narrative about poverty.
How often do workers have 20 hours/week one month, and less than that another month (and thus would lose SNAP?) Our CPS analysis finds nearly 1 in 5 adults (!!!) have this work pattern over a 16 month period.
Important research characterizing and highlighting labor market conditions (yes, they work) safety net recipients face...including low, volatile wages.
Important research characterizing and highlighting labor market conditions (yes, they work) safety net recipients face...including low, volatile wages.
Perhaps better framed as: Friends and family are central to financial lives of 90%+ of the world, goal shouldn't be to change that but to make relationships work better for all. See issue brief from US Financial Diaries: bit.ly/1T9B05A
Perhaps better framed as: Friends and family are central to financial lives of 90%+ of the world, goal shouldn't be to change that but to make relationships work better for all. See issue brief from US Financial Diaries: bit.ly/1T9B05A
Policy should reflect actual financial lives and needs of Americans, especially low- and moderate-income families, not hypothetical models. An important step here.
Policy should reflect actual financial lives and needs of Americans, especially low- and moderate-income families, not hypothetical models. An important step here.
thread about this new research note on how the legislated delay in the Earned Income Tax Credit has affected consumer spending ...
thread about this new research note on how the legislated delay in the Earned Income Tax Credit has affected consumer spending ...
About 40% of respondents chose a (hypothetical) steady-paying job over a (hypothetical) job with varying pay -- even when the variable-pay job paid a whole lot more. Wow. From the new (5/22/18) Federal Reserve SHED survey
Here's my take on two important and accessible books about life on the margins of the US financial system @LisaServon and @JMorduch & @RachelSchneider: "Innovating and improvising the social contract in the US financial borderscape" tandfonline.com/doi/full/10.10… … @JCultEcon
"The challenge philanthropy faces in fighting poverty is not beyond our ability to overcome, but it is beyond single organizations to do it alone,” says @BrandeeMcHale, president of the @Citi Foundation. bit.ly/2uGnP8E
Income volatility: The RCT! Turns out that those scheduling policies that complicate workers' lives and shift risk onto their shoulders don't lead to higher profit. Evidence from the Gap. nyti.ms/2GemS8P
Great piece by @aliezadurana @NewAmerica on income volatility with #JPMCInstitute and @USFDstudy data slate.com/human-interest…
Debt and morality. Why aren't poorly-treated debtors rising up? Great conversation with historical context: @ProfessorWherry talks with @timothyogden at @AspenFSP youtu.be/HyL03Kr_Lkg?t=…
#Scarcity by @m_sendhil and #TheFinancialDiaries by @JMorduch and @RachelSchneider -- book suggestions by @chrishughes, author of #fairshot #WhatsNowNY
According to #JPMCInstitute research, cash flow has major influence on when consumers receive healthcare, not just when they pay for it. How did the experts respond? Read our summary from the #JPMHC18 conference to learn more: bit.ly/2DvttK8
"Too Many Americans Suffer from Financial Instability. Their Employers Can Fix It" bit.ly/2CjLZFB #usfindiaries
50 years ago this week the first ever PSID interview was collected. The 4,802 initial interviews lasted 63 minutes on average, and were collected in-home by paper questionnaire. #PSIDturns50 @UM_SRC
Video highlights the experiences of program beneficiaries with income instability & income support programs - vimeo.com/227315150. For more, check out "Finding a Way: How Income Instability Affects Low-Income Families" - bit.ly/2oPsM9O @opre_ssrc
Here's a look at the erratic monthly earnings of Janice, a casino dealer in Mississippi, as featured in "The Financial Diaries" @USFDstudy @RachelSchneider @JMorduch Isn't this a problem? My new post: brook.gs/2F3xD16 @Mollykinder @pelhamprog @ethanpollack @berubea1
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