Digital Commons Network^™

Living Longer, Working Longer, Michele Dinman, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

According to the Pew Research Center, nearly one-in-five Americans ages 65 and older (19%) were employed in 2023, a rate nearly twice that from 35 years ago. They’re also working more hours, on average, than in the recent past. In fact, more than three-in-five older workers (62%) work full time, an increase from the 47% working full time in 1987. Older workers today are also more educated and are more likely to be receiving employer-sponsored benefits, such as retirement savings plans and health insurance, than in earlier decades. While only 4% of the entire labor force was made up of …

Over 30 Million And Growing: Child Development Accounts Around The World, Li Zou, Michael Sherraden

Center for Social Development Research

This report discusses the global reach and origins of Child Development Account policies, documenting impacts on approximately 32 million children worldwide. The policies range from Singapore’s comprehensive asset-building framework to Kazakhstan’s pioneering National Fund for Children. The seven policies highlighted here represent growing efforts to provide structured and lifelong asset-building across the full population, beginning as early as birth.

This report was updated in January 2026 to correct typographical errors in the monetary figures reported for South Korea.

The Case For Automatic Enrollment In Trump Accounts: Lessons From Maine’S Cda, Margaret Clancy, Jin Huang, Michael Sherraden

Center for Social Development Research

In 2014, Maine's statewide Child Development Policy, the My Alfond Grant, transitioned from an opt-in enrollment structure to an automatic one. Written as federal policymakers weigh enrollment options for the new Trump Accounts, this brief highlights lessons from Maine's transition and findings from the the SEED for Oklahoma Kids experiment, offering recommendations for implementing the new federal policy.

Housing Options As We Age, Michele Dinman, Jeff Brandt, Logan Fox

Harvey A. Friedman Center for Aging

Almost 75% of adults ages 50 and older want to stay in their homes and communities as they age. This is referred to as “aging in place.” Our homes and communities can help us feel safe and give us a sense of belonging and connection. Furthermore, our living situations effect our health and quality of life as well as our ability to live independently. Changes in our physical, psychological, social, and financial well-being later in life can affect our abilities to age in place. Finding the best housing based on our resources, interests, and needs is important for living well …

Job-Training Programs For Older Americans, Byeongju Ryu, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

The traditional notion of retirement—stopping work completely to focus on personal pursuits in one’s golden years—is not guaranteed. In the United States, three in four adults plan to work past age 65. Many older adults continue working due to financial necessity, including rising healthcare costs, insufficient retirement savings, and gaps in pension coverage. Low-wage workers, in particular, may struggle to retire at all, forced to keep working to afford basic necessities such as housing and food. Older adults also seek employment for their personal health and well-being, such as staying physically and mentally active, finding a sense of purpose, and …

A Strategy For Implementing Automatic Enrollment In Trump Accounts, Jin Huang, Michael Sherraden, Lissa Johnson

Center for Social Development Research

In the summer of 2025, the United States created the framework for a national asset-building initiative, but the success of the Trump Accounts policy depends in part on effective implementation. This brief pres­ents a two-step strategy for ensuring that all eligible U.S. children will be able to participate in the program. Leveraging existing federal infrastructure to create capacity for automatic enrollment, this strategy would enable the policy to avoid the high costs and low participation rates of programs with opt-in enrollment structures. The operational model would be built on two foundational components: a centralized Trump Accounts Fund and an automated …

Financial Shocks, Emergency Savings, And Hardship Among Low-Wage Workers, Haotian Zheng, Stephen Roll, Mathieu Despard

Center for Social Development Research

For many households, particu­larly those with limited income or financial resources, medical emergencies, car repairs, sudden job losses, and unexpected expenses can quickly precipitate financial hardships. Emergency savings provide a buffer that allows households to manage disrup­tions and avoid reliance on options that incur high-interest debt. Addressing the lack of emergency savings is not just a matter of individual responsibility; it also poses a broader policy challenge with implications for public welfare. Drawing upon data from the nationally representative Workforce Economic Inclusion and Mobility survey, this brief reports on low-wage households’ experiences with shocks, savings, and hardships. It also discusses …

Ageism In Employment, Aaron Li, Natalie Galucia, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

The World Health Organization defines ageism as stereotypes, prejudice, and discrimination directed at individuals based on their age. As people remain in the labor force longer, they are increasingly exposed to ageist attitudes and discrimination. Ageism often manifests through negative assumptions about older workers’ abilities, adaptability, and value in the workplace. Older workers are frequently perceived as less competent, resistant to new technology, inflexible, or physically and mentally less capable.

How Do Self-Employment Rates Change Across The Lifespan?, Cal J. Halvorsen, Bruna C. Lopez

Harvey A. Friedman Center for Aging

People pursue self-employment for a variety of reasons, including autonomy, the ability to pursue their own goals, and income. Yet for many older people who are not yet eligible for Social Security retirement benefits, which can begin at age 62, or Medicare, the U.S. health insurance program that generally begins at age 65, self-employment is also associated with less health insurance and retirement savings program coverage. 1,2 3,4

This research brief asks, What is the proportion of Americans who are self-employed, and how do these rates change throughout the life course?

Older Adults And Financial Exploitation, Aaron Li, Natalie Galucia, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

The National Adult Protective Services Association defines elder financial exploitation as misuse, mishandling, or exploitation of an older adult’s property, possession, or assets. These actions often occur without consent and are typically carried out through false pretense, undue influence, coercion, or manipulation.

Supporting Employed Informal Caregivers, Michele Dinman, Natalie Galucia, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

More than 53 million Americans are informal caregivers. These family members, friends, and acquaintances provide social, medical, transportation, and other support to individuals because of illness or disability without getting paid. Additionally, at least 2 million grandparents, not counting other kinship caregivers, provide care for children who cannot remain with their parents.1

Mental Health Challenges In Later Life, Sophie Mauk, Michele Dinman, Natalie Galucia, Cal J. Halvorsen

Harvey A. Friedman Center for Aging

Although older adults are less likely to be diagnosed with mental health challenges than younger adults, Americans over the age of 65 have experienced the greatest growth in new diagnoses — an increase of 57% between 2019 and 2023. By 2023, about 1 in 7 adults age 51 and older had received mental health diagnoses, including major depressive, generalized anxiety, adjustment, bipolar, and mood disorders. However, older adults are less likely to receive treatment than younger people. At the same time, older adults may also misuse substances such as alcohol, tobacco, cannabis, and prescription and nonprescription medications. Americans age 75 …

Old Frames On New Media: Health Misinformation In Black Digital Communities, Merriah Croston

Brown School Graduate Student Theses and Dissertations

Growing evidence suggests that health misinformation has the potential to proliferate on social media. However, our understanding of the problem’s magnitude continues to evolve. Despite several studies on health misinformation and Black communities in the United States (U.S.), few of these studies characterize misinformation within digital settings. This dissertation seeks to address this gap by: 1) synthesizing the literature on health misinformation and Black communities to identify prevalent misinformation topics and claims, characteristics of exposure to and belief in these topics and claims, and successful intervention strategies; 2) quantifying and characterizing the volume of COVID-19 misinformation on Black Twitter during …

The Blacker The Berry: Food Environments And Intake Associated With Perinatal Depression And Secondary Breastfeeding Outcomes Among Black Americans In The St. Louis Metropolitan Area, Najjuwah S. Walden

Brown School Graduate Student Theses and Dissertations

The relationship between the food environment, intake, and health is complex. The purpose of this study was to evaluate if food environments in proximity to Black pregnant women in the St. Louis Metropolitan Area were associated with prenatal eating habits and if these eating habits were associated with the risk of developing depressive symptoms in pregnancy and postpartum. The study also aimed to understand if there was a relationship between prenatal eating habits and the decision to breastfeed and if the onset of postpartum depressive symptoms has any effect on this relationship. Due to the importance of nutrient-dense, anti-inflammatory foods …

Public Benefits Cliffs And Asset Limits Harm The Economic Mobility Of Young Adult Workers, Stephen Roll, Mathieu Despard, Guangli Zhang

Center for Social Development Research

At its best, the public benefits system in the United States helps families avoid poverty’s most severe effects while also giving them a hand up. But the system also can keep working families in poverty. Workers may want to earn more money, take better jobs, or save for the future, but doing so can raise their income above program limits, causing workers to lose the benefits they and their families need to survive. This is known as the benefits cliff. This brief draws upon data from the Workforce Economic Inclusion and Mobility survey to explore how benefits cliffs and related …

Relationships Between Household Economic Distress And Child Mental Health: Determinants, Mechanisms, And Interventions, Yuanyuan Yang

Brown School Graduate Student Theses and Dissertations

Economic inequality has grown dramatically worldwide, creating serious problems for children and families. At the same time, child and adolescent mental health problems have reached crisis levels, yet many of them cannot access treatment. Researchers have studied how economic inequality affects mental and behavioral health, but most of this work focuses on adults rather than children. This dissertation used recent data from the Panel Study of Income Dynamics (2019 and 2021 waves) to unpack the complex relationships between household economic distress and child mental health across multiple levels, including individual, family, school, and community factors in the United States. This …

"Check-The-Box" Enrollment Will Limit Participation In Trump Accounts: Lessons From Asset-Building Research, Jin Huang, Margaret M. Clancy, Stephen Roll, Michael Sherraden

Center for Social Development Research

As the U.S. Treasury Department considers the implementation of Trump Accounts, one proposed enrollment method is a “check-the-box” option on the federal tax return, requiring parents to actively grant permission to open an account. This policy brief draws on evidence from prior research to explain why such a check-the-box opt-in model is very unlikely to achieve full participation in Trump Accounts

Why Automatic Enrollment Is Essential For The Success Of Trump Accounts: Lessons From Seed Ok, Jin Huang, Michael Sherraden, Lissa Johnson

Center for Social Development Research

In this policy brief, prominent Child Development Account (CDA) experts and researchers present the case that automatic enrollment is essential in a nationwide policy to provide CDAs and build assets for all children in the United States. The Center for Social Development (CSD) has designed and rigorously tested this policy concept, and the authors highlight key evidence on ensuring full participation, efficiency, and long-term success of a federal policy.

Buy-Now-Pay-Later And Alternative-Financial-Service Use Among Low-Wage Workers, Somalis Chy, Haotian Zheng, Stephen Roll, Mathieu Despard

Center for Social Development Research

Buy-now-pay-later (BNPL) services offer consumers the option of short-term interest-free loans for retail purchases, but the rapid growth of such services has raised concerns about indebtedness and impacts on household financial security. This brief draws upon data from the nationally representative Workforce Economic Inclusion and Mobility survey to examine the use of BNPL offerings, the demographics of users, the use of alternative credit products, and differences in BNPL product use by employment status.

Enduring Impacts Of Child Development Accounts: Increased Parental Expectations And College Preparation, Jin Huang, Sicong Sun, Michael Sherraden

Center for Social Development Research

Parental educational expectations exert a substantial influence on children’s educational achievement. Elevated parental expectations can move families to prepare for a child’s education beyond high school, both by intentional planning and financial steps to increase the likelihood of attending higher education. This Research Brief explores findings from a detailed study of long-term positive impacts of Child Development Accounts on parental educational expectations and college preparation. Drawing upon analyses of the pre-COVID data collected in 2020 as part of Wave 3 of the SEED for Oklahoma Kids experiment, the brief highlight effects sustained over 13 years.

A full reporting of the …

What Jobs Offer (And Don’T Offer) Benefits To Low-Wage Workers? Evidence From A Nationally Representative Survey, Laura Brugger, Mathieu Despard, Selina Miller, Stephen Roll

Center for Social Development Research

Employer-based benefits are an important for the financial security and well-being of U.S. workers. These benefits are a key path to healthcare access, retirement security, and other beneficial outcomes. But employers may also offer services that support employees’ financial wellness, and relatively little is known about the extent to which supplemental financial-wellness benefits are offered to low-wage workers or about variation in offerings by industries. Drawing on data from the Workforce Economic Inclusion and Mobility (WEIM) survey of a nationally representative sample of 2,511 low-wage U.S. workers, this Research Brief presents findings on the types of benefits provided by employers …

Letter To Congress From Harvey A. Friedman Center For Aging, June 24, 2025, Ernest Gonzales, Cal J. Halvorsen, Nancy Morrow-Howell

Harvey A. Friedman Center for Aging

Letter to Members of Congress: We are gerontological social work researchers with expertise in productive aging; that is, activities that produce goods or services for society, whether paid for or not. We mainly focus on risk and protective factors to employment, caregiving, and volunteering in later life, and the many health, economic, and social outcomes.

Attached are peer reviewed scientific journal articles and policy briefs that underscore the importance of social policies that enable older adults to contribute to society through productive aging. In simple terms, increasing opportunities for older adults to remain productively engaged through work, volunteering, and caregiving …

Asset Building For All, Starting At Birth: Emergence Of A Federal Policy And A Key Design Lesson, Michael Sherraden, Margaret M. Clancy, Jin Huang, Ray Boshara, Lissa Johnson

Center for Social Development Research

A proposal in the 2025 tax-reconciliation bill would provide federal Child Development Account–like accounts for all children born between 2024 and 2028, with a provision enabling children born in 2028 or after to open accounts. This Policy Brief is designed to inform public debate about the legislation through a discussion of the evidence underpinning the most fundamental of many lessons learned from SEED for Oklahoma Kids, the Center for Social Development’s long-running, randomized experiment with Child Development Account policy: the need for a centralized savings-plan platform.

Financial Facts: Seed Ok Child Development Accounts At Age 17, Jin Huang, Mark Schreiner, Margaret M. Clancy, Sondra G. Beverly, Michael Sherraden

Center for Social Development Research

The SEED for Oklahoma Kids experiment (SEED OK) is a longitudinal, randomized test a statewide Child Development Account (CDA) policy. The essential feature of the CDA in SEED OK is a state-owned Oklahoma 529 College Savings Plan account, which was automatically opened for newborns in late 2007 with an initial deposit of $1,000. That sum has grown over time, and this Fact Sheet presents financial outcomes as of December 31, 2024, when children in the experiment were 17 years old.

The Impact Of Benefits Cliffs And Asset Limits On Low-Wage Workers: New Evidence From A Nationally Representative Survey, Stephen Roll, Selina Miller, Mathieu Despard

Center for Social Development Research

Over 40 million workers in the United States receive public benefits. Many face a challenge: They would like to earn higher wages, take on more hours, or accept better jobs, but doing so can push them over benefit-program limits, causing them to lose eligibility or experience reductions in the benefits they need to make ends meet. This is also an issue for employers, whose ability to attract and retain talent is affected when the workforce’s employment decisions are driven by concerns about public benefit eligibility. Drawing on data from the Workforce Economic Inclusion and Mobility (WEIM) survey administered to a …

Understanding The Behavioral Health Of Children In Child Protective Services: Prevalence, Community Context, And System Involvement Using Administrative Data, Tzu-Hsin Huang

Brown School Graduate Student Theses and Dissertations

This dissertation investigates the behavioral health of children involved in the U.S. child welfare system through a three-paper approach. Amid rising concerns over youth mental health, suicide rates, and ADHD diagnoses, this study explores how these issues manifest among children reported for maltreatment – a population at elevated risk and often underserved. Paper 1 estimates the prevalence of behavioral health problems using national administrative datasets (NCANDS and AFCARS), providing insight into trends over time and disparities by age, race/ethnicity, sex, geographic context (urban vs. rural), and system involvement (CPS investigation vs. foster care). Paper 2 leverages county-level data to examine …

Enhancing Diversion Success Through Financial Capability And Asset Building: A Framework And Proposed Intervention, Lissa Johnson, Margaret S. Sherraden, Carrie Pettus, Jude Miller, Jin Huang

Center for Social Development Research

Mass incarceration policies in the United States have generated the highest incarceration rate in the world, yet many incarcerated individuals have committed nonviolent offenses or been confined because they could not pay fines or fees. Diversion offers an opportunity for justice-involved individuals to avoid conviction and collateral consequences while maximizing public safety, reducing case processing, decreasing overpopulation in prisons, and lowering costs. However, diversion programs do not adequately address financial instability and insecurity that often contribute to criminal behavior. This paper reviews evidence on adult diversion programs and proposes an intervention approach responding to socioeconomic factors contributing to criminal behavior.

Buffalo Bill And The Great Western Story, Sarah A. Hawkes

MFA in Illustration & Visual Culture

The author investigates how narratives are constructed through visual culture to better understand her own history. Buffalo Bill’s Wild West Show acts as a case study demonstrating how “history” is often a narrative established by those in power. These narratives often essentialize their subjects, leading to erasure and exclusion. Sitting Bull and Annie Oakley are used as examples of figures that have become caricatures in service to a greater narrative about the American West. This paper argues for the inefficacy of considering any one narrative as “history” instead recommending a close reading of many different narratives. Three different Western figures, …

Can Bringing Older And Younger People Together Renew Religious Communities?, Eddie Gonzalez, Stefanie Weiss, Eunice Lin Nichols, Cal Halvorsen

Brown School Faculty Publications

In fall 2024, CoGenerate, in collaboration with Dr. Cal Halvorsen of Washington University in St. Louis, worked with YouGov to conduct a national survey of 1,500 adults (ages 18 and older) in the U.S. about their religious / spiritual communities, their interaction with older and younger people, and their views on building connections across different age groups. The survey was nationally representative by gender, age, race, education and political affiliation. Our findings reveal considerable age segregation in people’s lives and a strong appetite for intergenerational connection and collaboration – or “cogeneration” – to counter it. They also identify challenges and …

Matching Student-Debt Payments With Retirement Contributions Has High Appeal For Low-Wage Workers: Implications For Secure 2.0, Stephen Roll, Mathieu Despard, Guangli Zhang

Center for Social Development Research

Whether to prioritize paying down student debt now or saving for future retirement is a difficult choice, especially for low-wage workers. The SECURE 2.0 Act of 2022 allows employers to match employees’ qualified student-debt payments with contributions into their retirement plans, essentially allowing the employee to save and invest while paying down debt. This research brief draws upon data from the Workforce Economic Inclusion and Mobility (WEIM) survey of a nationally representative sample of vulnerable workers in the United States to examine how such student-loan matching programs affect the retirement savings behaviors of how low-wage workers and how offering these …