Examining Black-White Wealth Gaps (PDF)
Remarks by Ray Boshara at the SEC Investor Advisory Committee, Panel on Minority Community Investor Inclusion on Sept 24, 2020. View the recording. (Ray's remarks begin at 2:10)
Video: The Impact of COVID-19 on the Racial, Gender, and Generational Wealth Gaps
Presentations and remarks by Ray Boshara and Ana Kent at the Social Policy Institute event on June 25, 2020.
Financial and Retirement Security Before and After COVID-19 (PDF)
Presentation by Ray Boshara and Lowell Ricketts for the National Institute on Retirement Security's webinar on May 28, 2020. View the recording.
Research Findings from the St. Louis Fed’s Center for Household Financial Stability
Virtual lecture by Ray Boshara to Sanford School of Public Policy, Duke University on March 31, 2020.
Video: Building a Retirement Savings System Americans Deserve
Remarks by Ray Boshara at the Aspen Leadership Forum on Retirement Savingsin Washington, D.C. on March 4, 2020. (Ray's remarks begin at 21:00)
Video: The Emerging Millennial Wealth Gap
Remarks by Ray Boshara at the Emergin Millennial Wealth Gap event at New America in Washington, D.C. on Oct. 29, 2019. (Ray's remarks can be found in Part 4 starting at 1:46)
Video: Advancing Social Policy through Cross-Sector Partnerships
Panel discussion with Ray Boshara at the Social Policy Institute Launch Event at Washington University in St. Louis on September 24, 2019. (Ray's remarks begin at 56:02)
Leveling the Playing Field for Education and Wealth: What Can We Learn from Recent Research?
Webinar by Ray Boshara and Lowell Ricketts to the Asset Funders Network on August 27, 2019.
Sustainability: A Family Wealth and Homeownership Perspective (PDF)
Presentation by Ray Boshara for at the Mississippi Housing and Community Development Conference on June 25, 2019.
The Racial Wealth Gap: Facts, Myths & Promising Responses (PDF)
Presentation by Ray Boshara to the Cook County Council of Economic Advisors on June 4, 2019.
Five Years, Five Lessons (PDF)
Presentation by Ray Boshara for the Missouri Foundation for Health on March 5, 2019.
The Economic Returns to Post-Secondary Education: Facts, Trends, and Ideas for Moving Forward (PDF)
Presentation by Ray Boshara to Access Academies Board of Directors on Nov. 16, 2018.
Dream Hoarders (Video)
Ray Boshara spoke at the “Dream Hoarders” lecture and panel discussion with Richard Reeves at Washington University in St. Louis on Sept. 20, 2018.
Thrivers and Strugglers: How Age, Race/Ethnicity and Education are Fueling an Economic Divide in America (PDF)
Presentation by Ray Boshara at the Kirkwood Rotary Club June 28, 2018.
Narrowing Wealth Gaps (Video)
Ray Boshara spoke at the Aspen Institute Summit on Inequality & Opportunity in Washington, D.C., March 8, 2018
Is Demography Economic Destiny? Thrivers & Strugglers in Today’s Economy (PDF)
Keynote presentation by Ray Boshara at CFLeads (Community Foundations Leading Change) in Boston, March 21, 2018
Household Financial Stability and Income Volatility (PDF)
Featured presentation given by Ray Boshara at Prosper Canada in Toronto, March 9, 2018
Retirement in 2070 (PDF)
Featured presentation given by Ray Boshara at UNC-Chapel Hill, Nov. 13, 2017
Building Wealth & Economic Mobility (PDF)
Keynote presentation given by Ray Boshara at economic mobility conference in San Antonio, Texas, Oct. 27, 2017
Building Wealth:Key Lessons and Implications for Employee Financial Wellness (PDF)
Keynote presentation given by Ray Boshara at employee financial wellness symposium in Minneapolis, Oct. 11, 2017
Five Years, Five Lessons (PDF)
Keynote presentation given by Ray Boshara at the annual National Federation of Community Development Credit Unions conference in St. Louis, Mo. Sept. 12, 2017
What Matters for Building Wealth and Economic Mobility? (PDF)
Guest lecture by Ray Boshara in professor Mark Rank’s poverty class at Washington University in St. Louis, Mo. May 1, 2017
Inequality and Poverty in the United States (PDF)
Presentation by Ray Boshara and Lowell Ricketts in St. Louis, Mo., Jan. 6, 2017
“A Demographic Approach to the Financial Challenges of Economically Vulnerable Families”
Presentation by Ray Boshara and William R. Emmons for Financial Capability Month at the Consumer Financial Protection Bureau in Washington, D.C., April 13, 2016.
"The Future of Building Wealth: Can Financial Capability Overcome Demographic Destiny?"
Chapter | Video
Presentation by Ray Boshara of his book chapter at the What It's Worth book launch in Washington, D.C., Dec. 8, 2015.
"Freedom of Riding: Transit's Ability to Increase Equity in All Sectors of Our Community"
Presentation given by Ray Boshara at a Citizens for Modern Transit event in St. Louis, Dec. 1, 2015.
"Trends in Family Wealth and Financial Security"
Presentation given by Ray Boshara at the Catholic Charities USA Annual Gathering, Omaha, Neb., Sept. 11, 2015.
"U.S. Family Balance Sheets and Student Loans"
Presentation given by Ray Boshara at the State Assets Coalition Cluster Meeting at the Center for Social Development, Washington University in St. Louis, Aug. 6, 2015.
"Building Wealth and Financial Security for Younger, Less-Educated, Minority, and Broken Families"
Presentation given by Ray Boshara to the Peace and Justice Commission of the Archdiocese of St. Louis, Aug. 5, 2015.
"Thrivers and Strugglers: The Balance Sheets and Financial Health of U.S. Families"
Presentation given by Ray Boshara at Assets Funds Network’s 2015 Grantmaker Conference in Dallas, Tx., April 8, 2015.
"Family Wealth and Economic Mobility: Facts, Surprises, and Promising Ideas"
Presentation by Ray Boshara at a Ferguson Commission meeting, St. Louis, Feb. 23, 2015.
Reflections on the Assets Field and Thoughts on Financial Capability
Plenary Session: Remarks (pdf)
Financial Capability Session: Presentation slides (pdf)
Remarks given by Ray Boshara at the CFED Assets Learning Conference, Washington, D.C., Sept. 18, 2014.
"A Balance Sheet Perspective on Financial Success: Why Starting Early Matters"
Presentation given by Ray Boshara and William Emmons at the FLEC Financial Literacy Research Symposium Starting Early for Financial Success: Capability into Action, Washington, D.C., Sept. 16, 2014.
"Wealth in America: How Can Congress Support Mobility?"
Remarks given by Ray Boshara and William Emmons at a congressional briefing hosted by the Urban Institute, the Congressional Savings and Ownership Caucus and the Senate Economic Mobility Caucus, July 16, 2014.
"Policy Perspectives on Fostering Consumer Financial Health"
Presented at the Center for Financial Services’ EMERGE annual conference, Los Angeles, June 4, 2014.
Remarks at National Institute on Retirement Security’s Fifth Annual Retirement Conference
Presented in Washington, D.C., March 4, 2014.
"Leveraging Mobility: How Employment Builds and Protects Family Wealth and Security"
Presented at a webinar hosted by the University of Wisconsin-Madison's Center for Financial Security, Feb. 19, 2014.
"Building a Healthy Balance Sheet Early in Life"
PDF | Video
Ray Boshara spoke on "Building a Healthy Balance Sheet Early in Life" at the Financial Literacy and Education Commission Public Meeting at the Department of the Treasury, Feb. 12, 2014.
"Financial Sustainability and Strength (Assets)"
Presented by Ray Boshara and David Benitez to Beyond Housing’s Collective Impact project, St. Louis, Sept. 20, 2013.
"From Asset Building to Balance Sheets: Reflections on the First and Next 20 Years of Federal Asset-Building Policy"
Presented at Washington University in St. Louis, September 2013.
"Financial Inclusion and Economic Recovery"
Presented at the Clinton Global Initiative America annual meeting in Chicago, June 13, 2013.
"After the Fall: Rebuilding Household Balance Sheets, Rebuilding the Economy"
Presented by Ray Boshara and William Emmons at “Dialogue with the Fed,” St. Louis, May 23, 2013.
"The 2013 Outlook for Household Balance Sheets" and "The Household Balance Sheet Perspective"
Presentation given by William R. Emmons and Ray Boshara to the Greater St. Louis Financial Education Collaborative at the United Way of Greater St. Louis, Dec. 18, 2012.
"New Perspectives on Household Balance Sheets: What is the State of Household Balance Sheets, and Why They Matter for Families and Economic Growth"
PDF | Audio
Presentation given by Ray Boshara, William R. Emmons and Bryan Noeth as part of the St. Louis Fed's Connecting Communities audio conference series, Nov. 7, 2012.
"From Asset Building to Balance Sheets"
Presented at the 2012 Federal Reserve Bank of Cleveland Policy Summit on Housing, Human Capital, and Inequality, June 28-29, 2012.
Working Group Highlights and Comments
Given at the Clinton Global Initiative Second Annual CGI America Meeting, Financial Inclusion Workshop, June 7-8, 2012.
"The New American Challenge: Learning To Save To Build Wealth" conference, Federal Reserve Bank of St. Louis, April 26, 2012.
"The American Culture of Money – The Changing Ways in Which Americans Interact with Their Money and the Impact on the Economy and Retirement"
Presentation given by Ray Boshara and Sheldon Garon at the 2012 J.P. Morgan Retirement Symposium: Converging Forces, April 18, 2012.
Statement of Ray Boshara Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs Financial Institutions and Consumer Protection Subcommittee, October 4, 2011
Federal Reserve Bank of St. Louis Bridges, Winter 2011-2012.
"The Next Progressive Era"
Book Talk given by Ray Boshara and Phil Longman, Washington University in St. Louis, Jan. 27, 2010.