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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

"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.

"College Inadvertently Increases Racial and Ethnic Disparity in Income and Wealth"
by William R. Emmons and Lowell R. Ricketts
Issue 16, 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 One - This first essay in the "Demographics of Wealth" series examines the connection between race or ethnicity and wealth accumulation over the past quarter-century.

Essay Two - New research by the Center for Household Financial Stability shows that there's a strong correlation between education and money. More of the former often leads to more of the latter.

Essay Three - Although there may be downsides to old age, those 62 and older can take heart in knowing that the odds are in favor of their being wealthier than younger people.

Additional Staff Publications

Ray Boshara

William R. Emmons

Lowell R. Ricketts

Barry Z. Cynamon