In the Balance

In the Balance are short essays related to research on understanding and strengthening the balance sheets of American households. Learn more about research on household financial stability»

Current Issue

  • In the Balance

    Issue-19 2018

    The student loans black students are taking out to finance college may be contributing to racial wealth gaps.

Past Issues

  • In the Balance

    Issue-18 2017

    Sometimes, it makes sense to keep a cash buffer, even when facing high-interest debt, new study says.


  • In the Balance

    Issue-17 2017

    Household wealth reached a new high in 2016. Recessions followed two previous record highs. Might it happen again?


  • In the Balance

    Issue-16 2017

    College Inadvertently Increases Racial and Ethnic Disparity in Income and Wealth


  • In the Balance

    Issue-15 2016

    Choosing to Fail or Lack of Choice? The Demographics of Loan Delinquency


  • In the Balance

    Issue-14 2016

    The Quarterly Debt Monitor: Trends in Consumer Debt in St. Louis, Little Rock, Louisville, Memphis—and Beyond


  • In the Balance

    Issue 13 2015

    The Importance of Wealth Is Growing


  • In the Balance

    Issue-12 2015

    Why Didn't Higher Education Protect Hispanic and Black Wealth?


  • In the Balance

    Issue-11 2015

    The Middle Class May Be Under More Pressure Than You Think


  • In the Balance

    Issue-10 2014

    Five Simple Questions That Reveal Your Financial Health and Wealth


  • In the Balance

    Issue-9 2014

    Despite Aggressive Deleveraging, Generation X Remains "Generation Debt"


  • In the Balance

    Issue-8 2014

    Hispanic Population's Share of Wealth Likely to Increase by 2025


  • In the Balance

    Issue-7 2014

    Housing Crash Continues to Overshadow Young Families' Balance Sheets


  • In the Balance

    Issue-6 2013

    Wealth Recovery Still Not Complete, Remains Uneven Across Families and Locations


  • In the Balance

    Issue-5 2013

    Housing Rebound Broadens the Wealth Recovery But Much More is Needed


  • In the Balance

    Issue-4 2013

    Still Digging Out: Real Net Worth per Household Has Rebounded 63 Percent Since Hitting Bottom in Early 2009


  • In the Balance

    Issue-3 2013

    The Nation's Wealth Recovery Since 2009 Conceals Vastly Different Balance-Sheet Realities among America's Families


  • In the Balance

    Issue-2 2012

    Unsteady Progress: Income Trends in the Federal Reserve's Survey of Consumer Finances


  • In the Balance

    Issue-1 2012

    Shifting Fortunes: Wealth Trends in the Federal Reserve's Survey of Consumer Finances