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Ray Boshara: Publications and Papers

Who is Most Vulnerable? Financial Fragility Following COVID-19 Income Shocks
with Lowell Ricketts
Medium, Sept. 10, 2020.

One Family Restaurant, Two Stories of COVID-19’s Financial Risks
The St. Louis Fed Open Vault, blog, July 8, 2020.

Promoting Inclusive Community Development
National Disability Institute Keys to Financial Inclusion podcast, June 11, 2020.

Making the Dean’s “Other” List: Reflections of a First-Generation College Grad
Medium, May 27, 2020.

Families Most Vulnerable to Income Shock and COVID-19
with Lowell Ricketts
The St. Louis Fed Timely Topics podcast, May 4, 2020.

Which Families Are Most Vulnerable to an Income Shock such as COVID-19?
with Lowell Ricketts
Federal Reserve Bank of St. Louis In the Balance, May, 2020.

Retirement Savings: The SECURE Act Helps; Can More Be Done?
with Lowell Ricketts
The St. Louis Fed Open Vault blog, April 1, 2020.

“Parasite,” COVID-19, and U.S. Wealth Inequality
with Ana Hernández Kent
St. Louis Fed On the Economy blog, March 27, 2020.

Making the Dean’s “Other” List: Reflections of a First-Generation College Grad
St. Louis Fed Open Vault, Sept.18 ,2019.

What Wealth Inequality in America Looks Like: Key Facts & Figures
with Ana Hernández Kent and Lowell R. Ricketts
St. Louis Fed Open Vault, Aug. 14, 2019.

Center for Household Financial Stability: The First Five Years
St. Louis Fed Timely Topics Podcasts, Aug. 7, 2019.

Economic Mobility: The Macroeconomy Matters
St. Louis Fed On the Economy, July 18, 2019.

Should I Go to College? Here's What Research Shows
St. Louis Fed Open Vault, April 26, 2019.

The Challenges and Promises of Rural America
St. Louis Fed On the Economy, March 19, 2019.

Education and Wealth’s Catch-22
St. Louis Fed Open Vault, Feb. 27, 2019.

Executive Summary: Tipping Points III
Tipping Points III: Debt-Financed Homeownership – Its Evolution, Impact, and Future, Oct. 12, 2018.

Economic Mobility: Communities Matter
St. Louis Fed On the Economy, Nov. 8, 2018.

My Morning Coffee, the New York Times, and American Families
New America Weekly, Edition 214, Aug. 9, 2018.

Economic Mobility: Starting Points Matter
St. Louis Fed On the Economy, July 9, 2018.

Born on 3rd Base? The Effects of Head Starts and College on Family Wealth
St. Louis Fed On the Economy, April 17, 2018.

Next Big Thing in Building Wealth?
with Ida Rademacher, Aspen Institute, March 23, 2018.

Millennials Are Not Investing in the Stock Market—But Might Want to
St. Louis Fed Open Vault, March 8, 2018.

Is Record High Consumer Debt a Boon or Bane?
St. Louis Fed On the Economy, Dec. 19, 2017.

Thanks, Dad: You Were Right about Saving and Paying Off Debt
St. Louis Fed Open Vault Blog, Dec. 6, 2017.

Understanding Banking from the Ground Up
St. Louis Fed On the Economy, July 25, 2017.

Thinking Big-And Thinking Small
Aspen Institute, July 1, 2017.

Executive Summary: Tipping Points II
Tipping Points II: Mapping and Understanding the Impact of Debt on Economic Growth, June 22, 2017.

The Importance of Exploring the Black/White Wealth Gap
St. Louis Fed On the Economy, June 12, 2017.

Black college graduates are losing wealth. Here’s what can help.
Washington Post,
April 13, 2017.

Does College Level the Playing Field?
Federal Reserve of St. Louis Review, February, 15, 2017.

To Borrow, or Not to Borrow?
St. Louis Fed On the Economy, Nov. 22, 2016.

Economic Mobility: Research & Ideas on Strengthening Families, Communities & the Economy
Introduction co-authored with David Buchholz, Federal Reserve Board of Governors, September 2016.

Executive Summary: Tipping Points I
Tipping Points I: Mapping and Understanding the Impact of Debt on Household Financial Well Being, June 9, 2016.

Thrivers and Strugglers: A Growing Economic Divide
Federal Reserve of St. Louis Bridges. Winter 2015-2016. 

The Future of Building Wealth: Can Financial Capability Overcome Demographic Destiny?
What It's Worth, second chapter in book published by the Federal Reserve Bank of St. Louis and the Corporation for Enterprise Development, December 2015.

Age, Birth Year and Wealth
by William R. Emmons and Bryan J. Noeth, with an introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today’s Economy, Essay No. 3, July 15, 2015.

Education and Wealth 
by William R. Emmons and Bryan J. Noeth, with an introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today's Economy, Essay No. 2, May 5, 2015.

Does unsecured debt decrease savings? Evidence from the Refund to Savings Initiative
with Michal Grinstein-Weiss, Jane Oliphant and Blair D. Russell
CSD Research Brief 15-16, Washington University, Center for Social Development, March 2015.

Race, Ethnicity and Wealth 
by William R. Emmons and Bryan J. Noeth, with an introduction co-authored by Ray Boshara
The Demographics of Wealth: How Age, Education and Race Separate Thrivers from Strugglers in Today’s Economy, Essay No. 1, Feb. 26, 2015.

Stark disparities in wealth are key in discussions on race in the United States
Washington Post, Dec. 30, 2014.

The Great Recession Casts a Long Shadow on Family Finances 
with William R. Emmons and Bryan J. Noeth
St. Louis Fed On the Economy, Sept. 9, 2014.

Asset Diversification and Low Debt Are the Keys to Building and Maintaining Wealth 
with William R. Emmons
Federal Reserve Bank of Philadelphia Cascade, No. 84, Winter 2014.

The Roth at Birth: Building Financial Capability and Putting the Time Value of Money to Work for Young Americans 
with Ted Beck, Concept note prepared for The President's Advisory Council on Financial Capability, December 2011.

After the Fall: Rebuilding Family Balance Sheets, Rebuilding the Economy 
with William Emmons, Federal Reserve Bank of St. Louis Annual Report 2012.
PDF version.

St. Louis Post-Dispatch Guest Commentary: Hitting a Financial Home Run
St. Louis Post-Dispatch, Sept. 17, 2012.

Ownership and Debt: Minding the Balance Sheet
Democracy, A Journal of Ideas, Issue #26, Fall 2012.

A Reflection on the First and Next 20 Years of Federal Assets Policy
Washington University Center for Social Development, Perspective No. 12-24, June 2012.

Building Financial Capability and Balance Sheets Early in Life 
Federal Reserve Bank of St. Louis Bridges, Spring 2012.

Seven Surprising Findings from the Asset Building Field
Federal Reserve Bank of St. Louis Bridges, Winter 2010-2011.

Combating Poverty by Building Assets
Pathways, Spring 2009.

Share the Ownership 
The Washington Post, Feb. 8, 2005.

Poverty is More than a Matter of Income
New York Times, Sept. 29, 2002.