Individual Wealth Building

ARTICLES-PUBLICATIONS

Articles  \  Books  \  Papers  \  Reports

ARTICLES

James P. Bailey, “A New Approach to Poverty Reduction: Helping the Poor to Save,” In All Things, Winter 2005-2006, pp. 5-18.
article-bailey.pdf (152KB)

Alan Berube, “Making Work Pay: Building Incomes and Assets through the Earned Income Tax Credit,” Building Blocks, vol. 5., no. 1, winter 2004.
article-berube.pdf (656KB)

CFED, Individual Development Accounts: Providing Opportunities to Build Assets,” Washington, DC: CFED, January 2007.
article-cfed07.pdf (744KB)

Reid Cramer, “Public Policy and Asset Building: Promising Account-Based Systems and the Rationale for Inclusion,” Clearinghouse REVIEW Journal of Poverty Law and Policy, May–June 2006, pp. 136-140.
article-cramer.pdf (112KB)

Matt Fellowes, “Making Markets an Asset for the Poor,” Harvard Law & Policy Review, vol. 1, 2007, pp. 433-456.
article-fellowes.pdf (188KB)

Elizabeth Y.A. Ferguson, Building Assets for Individuals, Communities and Business,” Monthly Perspective, Waltham, MA: Institute on Assets and Social Policy, July 2005.
article-ferguson.pdf (69KB)

Amy Goldstein, “Initiatives to Promote Savings From Childhood Catching On,” Washington Post, August 20, 2005.
article-goldstein.pdf (80KB)

Karen Doyle Grossman, “EITC and Microentrpreneurs: One Program’s Experience,” FIELD Forum, issue 16, September 2005
article-grossman.pdf (346KB)

Beatriz Ibarra and Eric Rodriguez, “Closing the Wealth Gap: Eliminating Structural Barriers to Building Assets in the Latino Community,” Harvard Journal of Hispanic Policy, Volume 18, 2005–2006, pp. 25-38.
article-ibarra-rodriguez.pdf (112KB)

Andrea Levere, “Helping the Poor Accumulate Assets,” Communities & Banking, winter 2006, pp. 20-23.
article-levere.pdf (112KB)

*NEW*
Signe-Mary McKernan, Caroline Ratcliffe, and Yunju Nam, Do Welfare and IDA Program Policies Affect Asset Holdings” Washington, DC: The Urban Institute, no. 10, May 2008.
article-mckernan-et-al.pdf (95KB)

Rae-Ann Miller, with Susan Burhouse, “Individual Development Accounts and Banks: A Solid ‘Match’,” FDIC Quarterly, vol. 1, October 25, 2007.
article-miller.pdf (556KB)

Robin Newberger and Michelle Coussens, “Insurance and wealth building among lower-income households,” Chicago Fed Letter: Essays on Issues, No. 251, Chicago, IL: Federal Reserve Bank of Chicago, June 2008.
article-newberger-coussens.pdf (60KB)

Melvin l. Oliver and Thomas M. Shapiro, “Creating an Opportunity Society,” The American Prospect, May 2007, pp. 27-28.
article-oliver-shapiro.pdf (188KB)

Michael Sherraden. Toward a Universal and Progressive Asset-Based Domestic Policy, Speech at the Meeting of the Labour Party. Brighton, England: Center for Social Development, October 2, 2001.
article-sherraden.pdf (70KB)

BOOKS

Thomas Shapiro and Edward Wolff, Assets for the Poor: The Benefits of Spreading Asset Ownership. Thomas Shapiro and Edward Wolff. New York: Russell Sage Foundation: 2001.

Michael Sherraden, Assets and the Poor. New York: M.E. Sharpe: 1991.

PAPERS

Christi Baker and Doug Dylla, Analyzing the Relationship Between Account Ownership and Financial Education, Washington, DC: New America Foundation, Asset Building Program, September 2007.
paper-baker-dylla.pdf (208KB)

Jared Bernstein, Asset Based Policies for the Poor: A Perspective from the Left. St. Louis: Center for Social Development (Washington University), Sept. 2000.
paper-bernstein.pdf (275KB)

Ray Boshara, Reid Cramer, and Leslie Parrish, Policy Options for Achieving an Ownership Society for All Americans, Washington, D.C.: New America Foundation, February 2005.
paper-boshara.pdf (127KB)

*NEW*
Barbara A. Butrica, Adam Carasso, C. Eugene Steuerle, and Desmond J. Toohey, Children’s Savings Accounts: Why Design Matters, Washington, DC: The Urban Institue, report 4, May 2008.
paper-butrika-et-al.pdf (1.36MB)

*NEW*
CFED, Asset and Opportunity Special Report: Net Worth, Wealth Inequality and Homeownership During the Bubble Years, Washington, DC: CFED, 2008.
paper-cfed08.pdf (730MB)

Center for Social Development, State IDA Policy Summary Tables, St. Louis, MO: CSD, March 2007.
paper-csd.pdf (100KB)

Reid Cramer, Rourke O’Brien, and Alejandra Lopez-Fernandini, The Assets Report 2008: A Review, Assessment, and Forecast of Federal Assets Policy, Washington, DC: New America Foundation, Asset Building Program, March 2008.
paper-cramer-et-al.pdf (194KB)

Reid Cramer, Splitting Refunds: A Proposal to Leverage the Tax Filing Process to Promote Savings and Asset Building, Washington, DC: New America Foundation (Asset Building Program), October 2005.
paper-cramer.pdf (42KB)

Reid Cramer, Asset-Based Welfare Policy in the UK: Findings from the Child Trust Fund and Saving Gateway Initiatives, Washington, D.C.: New America Foundation, Asset Building Program, November 2007.
paper-cramer07.pdf (124KB)

Reid Cramer, Net Worth at Birth: Creating a National System for Savings and Asset Building with Children’s Savings Accounts, Washington DC: New America Foundation, Asset Building Program, September 2006.
paper-cramer06.pdf (44KB)

Reid Cramer, Policy Options To Promote Inclusive Asset Building Through Account-Based Systems, Washington, D.C.: New America Foundation, November 2005.
paper-cramer2.pdf (80KB)

Reid Cramer and Jeff Lubell, The Family Self-Sufficiency Program: A Promising, Low-Cost Vehicle to Promote Savings and Asset Building for Recipients of Federal Housing Assistance, Issue Brief #9, Washington, DC: New America Foundation Asset-Building Program, March 2005.
paper-cramer-lubell.pdf (56KB)

Janice Fine, Lauren Leimbach, and Katy Jacob, Distributing Prepaid Debit Cards through Worker Centers: A Gateway to Asset Building for Low-Income Households, San Francisco, CA: Federal Reserve of San Francisco, paper presented at A Lifetime of Assets Conference, cosponsored by the Federal Reserve of San Francisco and CFED, Phoenix, Arizona, September 19-21, 2006.
paper-fine-leimbach-jacob.pdf (91KB)

Timothy Flacke, A Gateway to Longer Term Savings: Testing U.S. Savings Bonds to Help Low-income Tax Filers Start Saving, Working Paper, Roxbury, MA: D2D Fund, May 7, 2007.
paper-flacke.pdf (172KB)

Mark Greenberg and Nisha Patel, Coordinating Individual Development Accounts and the Workforce Investment Act to Increase Access to Postsecondary Education and Training Washington, DC: Center for Law and Social Policy, Policy Report 06-09, May 2006.
paper-greenberg-patel.pdf (169KB)

Beatriz Ibarra, Financial Counseling: A Meaningful Strategy for Building Wealth in the Latino Community. Washington, DC: National Council of La Raza, 2005.
paper-ibarra.pdf (76KB)

J. Mark Iwry, Using Tax Refunds to Increase Savings and Retirement Security, Working Paper 2005-9, Washington, DC: The Retirement Security Project, 2005.
paper-iwry.pdf (132KB)

Angela M. Johnson, Growing the United Way of King County Individual Development Accounts to Scale. Master’s thesis, advisor: Daniel Carlson. Seattle, WA. University of Washington, Daniel J. Evans School of Public Affairs, 2004.
paper-johnson.pdf (787KB)

Dan Kornelis, Maximizing IDA Savings and Match by Leveraging Additional Homeownership Assistance Programs, White Paper No. 0802, Tulsa, OK: The Assets Alliance, April 2008.
paper-korenlis.pdf

Jennifer Malkin, Financial Education in Native Communities: A Briefing Paper, Washington, DC: CFED and the National Congress of American Indians, June 2003.
paper-malkin.pdf (155KB)

Mark McKeag, Expanding IDA Participation Through Collective Action, Durham, NC: Terry Sanford Institute of Public Policy, Duke University, March 31, 2006.
paper-mckeag.pdf (644KB)

Leslie Parrish, To Save, Or Not To Save? Reforming Asset Limits in Public Assistance Programs To Encourage Low-Income Americans to Save and Build Assets, Washington, DC: New America Foundation Asset-Building Program, May 2005.
paper-parrish.pdf (116KB)

Leslie Parrish and Peter Smith, Billion Dollar Deal: Banks swipe fees as young adults swipe debit cards, colleges play along, Washington, DC: Center for Responsible Lending, September 24, 2007.
paper-parrish-smith.pdf (336KB)

*NEW*
Leslie Parrish and Peter Smith, “Shredded Security: Overdraft practices drain fees from older Americans, Center for Responsible Lending, June 18, 2008.
paper-parrish-smith08.pdf (1.1MB)

*NEW*
Pamela Perun and C. Eugene Steuerle, Why Not a “Super Simple” Saving Plan for the United States? Washington, DC: Urban Institute, report 3, May 2008.
paper-perun-steurle.pdf (795KB)

Solana Rice, “From Individual Development Accounts to Community Asset Building: An Exploration in Bridging People- and Place-Based Strategies,” St. Louis, MO: Washington University, Center for Social Development, CSD Policy Report 05-05, June 2005.
paper-rice.pdf (3.5MB)

Carl Rist, Jennifer Brooks, and Kevin Keeley, Children’s Savings Accounts and Financial Aid, Washington, DC: CFED, June 2006.
paper-rist-et-al.pdf (298KB)

Michael Sherraden, with Jami Curley and Michal Grinstein-Weiss, Wealth Creation and Rural America, paper presented at Wealth Creation and Rural America: Extending the Dream of Economic Success conference, Washington, DC: National Rural Funders Collaborative U.S. Department of Agriculture, and U.S. Department of Health and Human Services, Nov. 20, 2003.
paper-sherraden-et-al.pdf (70KB)

Sonia Sodha, Lessons from Across the Atlantic: Asset-building in the UK, San Francisco, CA: Federal Reserve of San Francisco, paper presented at A Lifetime of Assets Conference, cosponsored by the Federal Reserve of San Francisco and CFED, Phoenix, Arizona, September 19-21, 2006.
paper-sodha.pdf (310KB)

*NEW*
Peter Tufano and Daniel Schneider, “Reinventing Savings Bonds,” Tax Notes, October 2005.
paper-tufano-schneider.pdf (570KB)

Trina Williams, “The Homestead Act: A Major Asset-building Policy in American History.” Working Paper 00-9. St. Louis: Center for Social Development (Washington University), Sept. 2000.
paper-williams.pdf (440KB)

Lillian Woo and David Bucholz, Subsidies for Assets: A New Look at the Federal Budget, San Francisco, CA: Federal Reserve of San Francisco, paper presented at A Lifetime of Assets Conference, cosponsored by the Federal Reserve of San Francisco and CFED, Phoenix, Arizona, September 19-21, 2006.
paper-woo-bucholz-sf.pdf (294KB)

Lillian Woo and David Buchholz, Subsidies for Assets: A New Look at the Federal Budget, Washington, DC: CFED, February 2007.
paper-woo-bucholz07.pdf (316KB)

Zhu Xiao Di and Xiaodong Liu, The Importance of Wealth and Income to the Transition to Homeownership. Working Paper #05-6. Cambridge, MA: Joint Center for Housing Studies, Harvard University, 2005.
paper-xiao_di-liu.pdf (83KB)

REPORTS

Larry W. Beeferman, Asset Development Policy: The New Opportunity. Waltham, MA: Asset Development Institute: October 2001.
report-beeferman.pdf (725KB)

Larry W. Beeferman, The Promise of Asset-Development Policies. Waltham, MA: Asset Development Institute: January 2002.
report-beeferman2.pdf (269KB)

Corporation for Enterprise Development and the Center on Budget and Policy Priorities, 2002 Federal IDA Briefing Book: How IDAs Affect Eligibility for Federal Programs, Washington, DC: CFED, 2002.
report-cfed-cbpp.pdf (452KB)

Sarah Dewees and Lou Florio, Sovereign Individuals, Sovereign Nations: Promising Practices for IDA Programs in Indian Country. Fredericksburg, VA: First Nations Development Institute, October 2003 [revised].
report-dewees.pdf (680KB)

Institute for American Values, For a New Thrift: Confronting the Debt Culture, New York, NY: IAV, 2008.
report-iav.pdf (2MB)

Alisa Larson, Individual Development Account Handbook and Tribal IDA Program Profiles. Portland, OR and Fredericksburg, VA: Affiliated Tribes of Northwest Indians and First Nations Development Institute, Sept. 2003.
report-larson.pdf (341KB)

Norm Leckie, Michael Dowie, and Chad Gyorfi-Dyke, Learning to Save, Saving to Learn Early Impacts of the learn$ave Individual Development Accounts Project, Ottawa, ON, Canada: Social Research and Development Corporation, Janaury 2008.
report-leckie-et-al.pdf (526KB)

Lenders for Community Development and Silicon Valley Community Foundation, Families Saving and Building Hope: 2007 Report on the Assets for All Alliance, Mountain View, CA: Silicon Valley Community Foundation, 2007.
report-lcd-svcf.pdf (320KB)

Christianne Lind, with Pamela Friedman, Strategies to Build Assets Among Low-Income Families: Mapping the Field, Washington, DC: The Finance Project, December 2006.
report-lind-friedman.pdf (2.4MB)

Karin Martinson and Pamela Holcomb, Innovative Employment Approaches and Programs for Low-Income Families, Washington, DC: Center on Labor, Human Services and Population, The Urban Institute, February 2007.
report-martinson-holcomb.pdf (708KB)

Signe-Mary McKernan, Caroline Ratcliffe and Yunju Nam, The Effects of Welfare and IDA Program Rules on the Asset Holdings of Low-Income Families, a report in the series: Poor Finances: Assets and Low-Income Households, Washington, DC and St. Louis, MO: The Urban Institute; Center for Social Development, Washington University; and the New America Foundation, September 2007.
report-mckernan-et-al.pdf (791KB)

Gregory Mills, Rhiannon Patterson, Larry Orr, and Donna DeMarco, Evaluation of the American Dream Demonstration: Final Evaluation Report, Cambridge, MA: Abt Associates, August 2004.
report-mills.pdf (732KB)

Mark Schreiner, Margaret Clancy, and Michael Sherraden, Savings Performance in the American Dream Demonstration. St. Louis: Center for Social Development (CSD), October 2002.
report-schreiner.pdf (860KB)

Michael Sherraden. From Research to Policy: Lessons from Individual Development Accounts. St. Louis: Center for Social Development, May 2000.
report-sherraden.pdf (115KB)

Michael Sherraden et al., Savings in Low-Income Households: Evidence from Interviews with Participants in the American Dream Demonstration. St. Louis: Center for Social Development (Washington University), January 2005.
report-sherraden-et-al.pdf (2.28MB)

Naomi Warren and Karen Edwards, Status of State Supported IDA Programs in 2005, St. Louis, MO: Washington University, Center for Social Development, CSD Policy Report 05-03, October 2005.
report-warren-edwards.pdf (317KB)

Jennifer Wheary, The Future Middle Class: African Americans, Latinos and Economic Opportunity, New York, NY; Demos, 2006.
report-wheary.pdf (400KB)

Lillian Woo and David Bucholz, Return on Investment? Getting More From Federal Asset-Building Policies, Washington, DC: CFED, 2007.
report-woo-bucholz.pdf (836KB)

Robert O. Zdenek and Beverly Stein, Recommendations from the field: Individual Development Accounts as part of a universal asset-building system. St. Louis: Center for Social Development (Washington University), July 2003.
report-zdenek.pdf (380KB)