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In the Balance: Perspectives on Household Balance Sheets

In the Balance is a collection of short essays related to research on understanding and strengthening the balance sheets of American households.

Past Issues

Parents’ Wealth Helps Explain Racial Disparities in Student Loan Debt"
by Fenaba R. Addo
Issue 19, 2019.

"Cash on Hand Is Critical for Avoiding Hardship" 
by Emily Gallagher and Jorge Sabot
Issue 18, 2017.

"Household Wealth is at a Post-WW II High: Should We Celebrate or Worry?"
by William R. Emmons and Lowell R. Ricketts
Issue 17, 2017.

Tipping Points Symposia

Tipping Points I: Mapping and Understanding the Impact of Debt on Household Financial Well-Being

Tipping Points II: Mapping and Understanding the Impact of Debt on Economic Growth

The Demographics of Wealth

The Demographics of Wealth series takes a deep dive into the demographic factors surrounding wealth accumulation in the United States. Age, education, and race or ethnicity appear to have a connection to wealth.


Essay No. 1: The Financial Returns from College across Generations: Large but Unequal


Essay No. 1: Race, Ethnicity and Wealth

Essay No. 2: The Role of Education

Essay No. 3: Age, Birth Year and Wealth

Additional Staff Publications

Ray Boshara

William R. Emmons

Lowell R. Ricketts

Barry Z. Cynamon