Brief Determinants of Asset Building
Sondra Beverly, Michael Sherraden, Min Zhan, Trina R. Shanks, Yunju Nam, Reid Cramer
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This report provides a policy-oriented conceptual framework that has the potential to explain saving and asset accumulation across the entire population and to account for the low levels of saving and asset accumulation in the low-income population. The report also reviews empirical evidence that supports or challenges this framework.

Research Areas Economic mobility and inequality Wealth and financial well-being Social safety net Race and equity
Tags Federal housing programs and policies Low-Income Home Energy Assistance Program (LIHEAP) Asset and debts Racial and ethnic disparities Race, gender, class, and ethnicity Income and wealth distribution Racial barriers to accessing the safety net Racial inequities in economic mobility Racial wealth gap Financial stability
Policy Centers Center on Labor, Human Services, and Population