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Categories: General Resources

CFED: Federal Tax Breaks: Who Benefits?

The federal government spends $500 billion a year on tax breaks aimed at helping Americans build assets and wealth. But more than half of these benefits go to the top 5 percent of Americans earningmore than $167,000 a year. Turning this upside-down system right side up can help more Americans achieve financial security and success. Learn more at www.cfed.org.

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Categories: General Resources
| 2013

Better Texas Family Budgets Tool

Using data from the U.S. Census Bureau and other public sources, the Center for Public Policy Priorities created the Better Texas Family Budgets tool, an online public education tool that measures the cost of meeting basic needs across the 26 metropolitan areas in Texas for eight different family sizes. The Better Texas Family Budgets tool measures rental housing and utilities, food, health...

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2013 Assets & Opportunity Scorecard

Living on the Edge: Financial Insecurity and Policies to Rebuild Prosperity in America

Although the post-recession economy is showing signs of recovery millions of Americans are still scraping by. As policymakers make decisions over the next few months about whether to fund programs that provide a lifeline to a better future for millions of Americans, they should take a hard look at the...

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From the field: Winning new savers with "prize-linked savings"

How would you like a chance to win $10,000 – just for putting $25 into your savings account?

You can in Michigan, Nebraska and potentially soon in more places across the country.

“Prize-linked savings”—the brainchild of former Harvard Business School professor and now Dean of Oxford University’s business school Peter Tufano—is catching on as a way to encourage people to start saving or to save...

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Webinar | | 2013

Developing A State Legislative Strategy for Asset Building: The Case of Florida

A key step in achieving asset-building goals is developing a solid legislative strategy. The Joint Center for Political and Economic Studies has collaborated with the RAISE Florida Network to develop a legislative strategy to help achieve the coalition's goals with regard to funding for IDAs (Individual Development Accounts) and fostering sustainable homeownership. Join Wilhelmina Leigh and...

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Categories: Racial Wealth Gap
| 2013

The Roots of the Widening Racial Wealth Gap: Explaining the Black-White Economic Divide

New research shows the dramatic gap in household wealth that now exists along racial lines in the United States reflects policies and institutional practices that create different opportunities for
whites and African-Americans, and that personal ambition and behavioral choices are but a small part of the equation.

So powerful are these government policies and institutional practices that for...

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Blog Post | | 2013

Can America Save Itself? Tax Reform, Savings, and Financial Security

CFED sponsored a bipartisan policy forum titled: Can America Save Itself? Tax Reform, Savings and Financial Security that brought together two panels of experts to discuss potential opportunities in tax reform as well as other ideas that can help families save and ultimately become financially secure. A video archive of the event can be found here: Can America Save Itself? Video Archive and on...

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Video | | 2013

Fourth Annual African American Economic Summit: Friday, February 1, 2013

View the video archive, summit program, and speaker bios from the Fourth Annual African America Economic Summit. The Summit was co-sponsored by the Howard University Department of Economics, the Howard University Center for Urban Progress, the Howard University Center on Race and Wealth, Duke University’s Research Network on Racial and Ethnic Inequality, the Joint Center for Political and...

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Rebuilding American Success: Savings and Opportunity for All

As Congress debates a long-term path to American economic growth, American households confront their own daunting challenges to economic security and success. While tight budgets, polarized politics and a skeptical public constrain policymakers’ ambitions, Americans have yet to recover from the recession’s losses, and the wealth gap continues to widen. Within this context, CFED offers in this...

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Categories: Racial Wealth Gap
Research | Robert Wood Johnson Foundation | 2013

How Education, Employment Affect Your Health

New Research: How Education, Employment Affect Your Health

When it comes to good health, socioeconomic factors like community safety and social support, education, and employment all matter–often to a greater degree than the medical care you receive. Two new issue briefs and infographics explore research linking education level and employment status to health.

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Center on Retirement Research at Boston College | 2013

AUSTRALIA’S RETIREMENT SYSTEM: STRENGTHS, WEAKNESSES, AND REFORMS

What lessons might the Austrailian restirement system reveal about Social Security?

  • Australia’s retirement system has two key components: a means-tested government benefit and a mandatory savings account financed by employers.
  • The government benefit provides a basic income, and about three quarters of retirees qualify.
  • The savings accounts require employer contributions of 9 percent of pay for...
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Blog Post | | 2013

Financial Boot Camp Helps Army Enlisted

At a time when financial education is increasingly being criticized as an ineffective way to raise Americans’ low saving rate, an 8-hour course held on 13 Army bases is significantly boosting how much military personnel are saving for their retirement – among both big and small savers. They also trimmed their debts.

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| 2013

"Does Access to Health Insurance Influence Work Effort Among Disability Cash Benefit Recipients?"

There is considerable policy concern about “DI lock” – that tying public health insurance coverage to cash disability benefit receipt contributes to the low exit rates due to work. This concern led Congress to institute continued health insurance eligibility after disability beneficiaries leave the cash-benefit rolls for work-related reasons. However, unlike the long literature on “job lock,”...

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| 2013

"How Will Older Workers Who Lose Their Jobs During the Great Recession Fare in the Long-Run?"

In economic downturns prior to the Great Recession, workers over age 50 had escaped relatively unscathed. But the unemployment rate for older workers soared to record highs during the Great Recession. This paper projects how older workers will fare across a broad set of financial outcomes over the remainder of this decade. The model estimates how these outcomes differ between individuals who...

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