Why do households lack emergency savings? The role of financial capability

MR Despard, T Friedline, S Martin-West - Journal of Family and Economic …, 2020 - Springer
Many US households have insufficient savings to cope with income losses, expenditure
shocks, and other financial emergencies, yet little research evidence explains why. Guided …

Short-term effects of tax credits on rates of child maltreatment reports in the United States

NL Kovski, HD Hill, SJ Mooney, FP Rivara… - …, 2022 - publications.aap.org
OBJECTIVES Poverty and low income are associated with increased risk for child
maltreatment. The Earned Income Tax Credit (EITC) and Child Tax Credit (CTC) are among …

Scarcity and cognitive function around payday: A conceptual and empirical analysis

A Mani, S Mullainathan, E Shafir… - Journal of the …, 2020 - journals.uchicago.edu
The ongoing demands around smoothing consumption with low and sporadic income flows
in contexts of scarcity entail that minor changes in cash flows can have big psychological …

[BOOK][B] Poverty in the pandemic: Policy lessons from COVID-19

Z Parolin - 2023 - books.google.com
At the close of 2019, the United States saw a record-low poverty rate. At the start of 2020, the
COVID-19 pandemic threatened to upend that trend and plunge millions of Americans into …

Monthly unconditional income supplements starting at birth: Experiences among mothers of young children with low incomes in the US

S Halpern‐Meekin, LA Gennetian… - Journal of Policy …, 2024 - Wiley Online Library
Recently, US advocates and funders have supported direct cash transfers for individuals
and families as an efficient, immediate, and non‐paternalistic path to poverty alleviation …

“Desperately Need a Car”: Analyzing crowdfunding campaigns for car purchases and repairs on Gofundme. com

NJ Klein, M Tran, S Riley - Travel Behaviour and Society, 2020 - Elsevier
Our study explores the phenomenon of using the crowdfunding website GoFundMe. com to
raise money to purchase and or repair a personal vehicle. We use both text mining and …

Anti-poverty policy innovations: New proposals for addressing poverty in the United States

LM Berger, M Cancian, K Magnuson - RSF: The Russell Sage …, 2018 - rsfjournal.org
BACKGROUND Just over fifty years ago, the War on Poverty marked a significant expansion
of the scope and scale of anti-poverty programs, as well as a considerable change in their …

Can behavioral nudges and incentives help lower‐income households build emergency savings with tax refunds? Evidence from field and survey experiments

M Despard, S Roll, M Grinstein‐Weiss… - Journal of Consumer …, 2023 - Wiley Online Library
Tax refunds are an opportunity for lower‐income households to accumulate emergency
savings so they have cash on hand to cover expenses when income is insufficient. Our field …

The role of choice architecture in promoting saving at tax time: evidence from a large–scale field experiment

M Grinstein-Weiss, C Cryder… - … Science & Policy, 2017 - journals.sagepub.com
Tax refunds give many low-and moderate-income (LMI) households a rare opportunity to
save for unexpected expenses. We conducted three experiments aimed at increasing tax …

[HTML][HTML] Potential gaps in income support policies for those in poor health: the case of the earned income tax credit—a cross sectional analysis

SA Berkowitz, G Dave, AS Venkataramani - SSM-Population Health, 2023 - Elsevier
Abstract Background The federal Earned Income Tax Credit (EITC) is the primary income
support program for low-income workers in the US, but its design may hinder its …