Family Income Trends by Race, Ethnicity and Education Level (PDF)
Presentation by William Emmons at the Investing in America's Workforce Conference in Memphis, Tenn. on Sept. 10, 2019.
The Demographics of Delinquency: Tipping Points or Tip of the Iceberg? (PDF)
Presentation by William Emmons at WEAI Annual Conference in San Francisco on June 30, 2019.
Closing Racial and Ethnic Wealth Gaps: College is Not Enough (PDF)
Presentation by William Emmons and Lowell Ricketts at Toward One Wisconsin on April 12, 2019.
The Millennial Wealth Gap: Short-Term and Long-Term Causes (PDF)
Presentation by William Emmons and Ana Kent at the Millennial Wealth Gap convening hosted by New America on April 11, 2019.
Interpreting Racial and Ethnic Income and Wealth Gaps: Framing Matters (PDF)
Presentation by William Emmons at the CRISMA Inaugural Conference on March 28, 2019.
Highly Leveraged Homeownership and Severe Financial Crises (PDF)
Presentation by William Emmons at the Weidenbaum Center Public Policy Forum in St. Louis on Feb. 26, 2019.
“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.
"Academic Success and Financial Skills: Keys to Building Wealth”
Presentation by William R. Emmons for “Moving from Talk to Action: Resource and Community Forum” in Cleveland, Miss., March 16, 2016.
"Education and Wealth: Correlation Is Not Causation"
Presentation given by William R. Emmons at the Society for Financial Education and Professional Development, Washington, D.C., Oct. 27, 2015.
"The Demographics of Wealth"
Presentation given by William R. Emmons at the Southern Regional Asset-Building Coalition 8th Annual Conference, Biloxi, Miss., Oct. 8, 2015.
"Why Did Latino Families Lose So Much Wealth?"
Presentation given by William R. Emmons at the National Council of La Raza Roundtable event in Kansas City, Mo., July 13, 2015.
"The State of Lending in America and Its Impact on U.S. Households: The Cumulative Costs of Predatory Practices"
Presentation given by William R. Emmons at the Center for Responsible Lending, Washington, D.C., June 16, 2015.
"Owner-Occupied Housing in Household Balance Sheets"
Presentation given by William R. Emmons at a St. Louis Housing Roundtable event in St. Louis, June 4, 2015.
"Demographics and the Future of American Families"
Presentation given by William R. Emmons at the Federal Reserve Bank of St. Louis' community outreach event in Owensboro, Ky., May 13, 2015.
Presentation given by William R. Emmons at the CFA Society of St. Louis, Making Retirement A Reality Conference, March 5, 2015.
"Demographics and Growth"
HFS briefing given by William R. Emmons at the Federal Reserve Bank of St. Louis, Feb. 10, 2015.
"The State of Homeownership in America"
Presentation given by William R. Emmons at the Community Depository Institutions Advisory Council, St. Louis, Oct. 14, 2014.
"Why Do We Make the Choices We Do? Insights from Behavioral Economics"
Presentation given by William R. Emmons at the National Urban League 2014 WMY Leadership Development Conference, Atlanta, Oct. 8, 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.
"Links Between Younger Americans' Balance Sheets and Economic Growth"
PDF | Video
Presented at the Center for Household Financial Stability's Research Symposium "The Balance Sheets of Younger Americans: Is the American Dream at Risk?" at the Federal Reserve Bank of St. Louis, May 8, 2014.
"The Economic and Financial Status of Older Americans: Trends and Prospects"
Presented at the annual meeting of the Population Association of America in Boston on May 3, 2014.
"The Role of Credit in a Healthy Balance Sheet"
Presented at the Credit Builders Alliance Webinar, April 22, 2014.
"Household Balance Sheets: Links Between Economic Vulnerability, Financial Fragility, and Economic Recovery"
Presented at the Consumer Financial Protection Bureau research seminar in Washington, D.C., April 4, 2014.
"Economic Vulnerability and Financial Fragility"
Presented at the USRT Conference: Underserved Roundtable, New York, March. 18, 2014.
"Generations X and Y: Facing Economic and Financial Challenges in the Shadow of the Baby Boom"
Presented at the Econ Lowdown Dinner with an Economist, Federal Reserve Bank of St. Louis Little Rock Branch, Little Rock, Ark., March. 6, 2014.
"The Financial Outlook for American Families"
Presentation given at the Simon Center for Regional Forecasting 2014 Conference "Feeling Better ... But Fully Recovered?" at Saint Louis University, Feb. 27, 2014.
Emmons Discusses Homeownership on St. Louis PBS Show
William Emmons appeared Feb. 27, 2014, on "Stay Tuned" on St. Louis' local PBS station. Emmons and the show's other St. Louis-area guests discussed homeownership.
"Why Did So Many Economically Vulnerable Families Enter the Crisis With Risky Balance Sheets?"
Presented at the Woodstock Institute's Research Symposium, Chicago, Oct. 2, 2013.
"Household Wealth and the Economy"
Presented at a Wealth Policy Roundtable organized by the Urban Institute and the Federal Reserve Bank of St. Louis, Washington, D.C., October 2013.
"Are Successive Generations Getting Wealthier, and If So, Why? Evidence from the 1990s and 2000s"
Presented at the Forum on Financial Experiences of Older Adults, hosted by the Federal Reserve Board of Governors in Washington, D.C., July 17, 2013.
"Latino Families and the Financial Crisis"
Presented at the Twelfth Annual Conference of Cambio de Colores in St. Louis, 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.
"Rebuilding After a Bubblicious Bust"
Zócalo Public Square discussion including William R. Emmons at the Heard Museum in downtown Phoenix, Feb. 12, 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, Nov. 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.