Digital Commons Network^™

Savings Incentives And The Secure 2.0 Act: New Evidence On Employer-Sponsored Emergency Savings Accounts And The Saver’S Match, Stephen Roll, Mathieu Despard, Selina Miller

Center for Social Development Research

credit. Analyses drawn upon data from the Workforce Economic Inclusion and Mobility Survey, a survey experiment testing the appeal of employer-sponsored emergency savings accounts. The findings indicate that interest in employer-sponsored emergency savings programs is generally high and that, for low-wage workers, offers of matching contributions are more salient than automatic contributions.

IMPLICATIONS for SECURE 2.0 This is the first research brief in a series examining the implications of the SECURE 2.0 Act for the retirement security of low-wage workers in the United States. All briefs in the Implications for SECURE 2.0 series can be found at https://csd.wustl.edu/tag/secure-2.0/

Supporting Health Equity In Obesity Prevention For Women Of Reproductive Age, Amanda Gilbert

Brown School Graduate Student Theses and Dissertations

Women of reproductive age (18-44 years) are at an increased risk of developing obesity due to pregnancy, stressors during this stage in the life course (e.g., leaving home, new jobs, parenthood), and historical and ongoing discrimination and marginalization. Preventing obesity for this population needs to be a public health priority. Obesity negatively affects women’s health (e.g., chronic disease, cancer); leads to poor pregnancy outcomes (e.g., gestational diabetes); and increases the risk children will develop obesity through intergenerational transmission of obesity, further entrenching health disparities for future generations. Health equity principles of social justice and human rights help obesity prevention researchers …

The Hill We Climb: A Mixed Methods Exploration Of Stress And Depression In A Community Sample, Akilah Collins-Anderson

Brown School Graduate Student Theses and Dissertations

While research on Black mental health has increased over the past decade, there remain strides to make with regard to the investigation of the relationship between stress and depression among Black Americans. For decades, stress process scholars have documented that negative, adverse experiences have consequences for mental health conditions, such as depression. Stress process theory predicts that greater exposure to stressors and limited access to coping resources increase the risk of poor mental health. Therefore, socially disadvantaged groups such as Black Americans would be expected to be at great risk of mental health conditions due to previous exposure to stressors. …

Auto-Enrollment, Auto-Escalation, And The Need For Retirement Plan Portability: Implications For Secure 2.0, Stephen Roll, Mathieu Despard, Selina Miller

Center for Social Development Research

The SECURE 2.0 Act of 2022 aims to improve the retirement security of low-income U.S. households by making retirement saving easier, automatic, and more attractive. The act’s provisions focus on employer-sponsored retirement-savings plans. This brief examines how low-wage employees utilize employer-sponsored retirement-plan features, how they say they would respond to automatic contribution increases, and how job transitions impact their retirement savings decisions. Data come from the Workforce Economic Inclusion and Mobility survey, which collects data from a nationally representative sample of vulnerable workers in the United States.

This is the second research brief in a series examining the implications of …

Retirement Plan Access Among Low-Wage Workers In 2024: Implications For Secure 2.0, Stephen Roll, Mathieu Despard, Selina Miller

Center for Social Development Research

Households in the United States struggle to save for retirement, and the problem is acute for low- to moderate-income (LMI) households. In 2022, the federal SECURE 2.0 Act created an expansive suite of policy approaches to facilitate saving in LMI households. This brief discusses key provisions of the act and presents findings from the Workforce Economic Inclusion and Mobility (WEIM) survey of a nationally representative sample of vulnerable workers in the United States. The findings suggest opportunities to improve upon the SECURE 2.0 Act’s provisions.

Fossil Fuel Wealth For Human Development: Cdas Continue In Kazakhstan With Second Year Deposits, Aytakin Huseynli, Michael Sherraden

Center for Social Development Research

In January of 2024, Kazakhstan implemented a national Child Development Account (CDA) policy: The National Fund for Children. Through the policy, assets accrue for every child or youth under age 18. This policy brief discusses developments in the operation of the policy and the allocation of funding as of January 2025.

Socioeconomic Determinants Of Health And Well-Being In A Low Resource Setting: A Case Of Older Adults Living In A Rural Setting In Northwestern Cambodia, Kakada Kuy

Brown School Graduate Student Theses and Dissertations

This dissertation examines the associations between socioeconomic factors, and physical and psychological well-being among older adults in Cambodia. Focusing on subjective and objective socioeconomic status (SES) and the mediating roles of social and welfare support, this dissertation consists of three interrelated chapters that address different facets of the relationships. Paper 1 (Chapter 2) investigates the demographic characteristics, socioeconomic factors, and social support structures among older Cambodians. Findings reveal significant gender and age disparities, with women and the oldest adults more likely to experience lower socioeconomic status and weaker social support. Paper 2 (Chapter 3) explores the associations between subjective and …

Thirty Productive Years And A Very Promising Future: The Annual Letter Of The Center For Social Development, Michael Sherraden

Center for Social Development Research

In the 2025 annual letter of the Center for Social Development (CSD), Founding Director Michael Sherrraden discusses the integration of the Washington University Social Policy Institute with CSD, summarizes developments at the center, introduces the new team of experts, shines a light on some of the accomplishments during the past year, and offers a vision for the future.

Universal Asset Building: New Social Policy For A New Era, Michael Sherraden, Jin Huang, Li Zou

Center for Social Development Research

This Perspective explores the concept of universal asset building, beginning with Child Development Account policy, as a new paradigm in social policy, suggesting that it will be a positive social-policy strategy for navigating the information age, and especially artificial intelligence (AI). Universal asset building can address social and economic challenges posed by rapid technological advancements.

The Perspective is adapted from a keynote address given by Michael Sherraden (with Jin Huang and Li Zou) at the joint convening of the 2024 Annual Academic Conference for the Social Policy Research Committee of the Chinese Sociological Association and the 19th International Symposium on …

The National Fund For Children In Kazakhstan, Aytakin Huseynli, Li Zou, Michael Sherraden, Jin Huang

Center for Social Development Research

The government of Kazakhstan officially launched the National Fund for Children, a Child Development Account (CDA) policy, in January 2024. The policy represents a long-term commitment to investing in Kazakhstan’s future generations and to building a new post–fossil fuel economy. This brief documents what has occurred.

Economic Behavior And Hiv Risk Behavior Among Vulnerable Women: A Prospective Randomized Control Study In Southern Uganda, Joshua Kiyingi

Brown School Graduate Student Theses and Dissertations

In sub-Saharan Africa (SSA), the estimated population of women engaged in sex work (WESW) is 2.5 million, aged 15 to 49 years (Laga et al., 2023). WESW face numerous challenges, including high-risk behaviors that expose them to HIV, sexually transmitted infections (STIs), drug and alcohol abuse, criminalization, discrimination, mental health problems, and limited healthcare access. Globally, WESW are significantly affected by HIV, with new infections continuing to rise. Recent estimates show that although 8% of all new HIV infections are among WESW, 32.8% of them are unaware of their HIV status (UNAIDS, 2021a). The risk of acquiring HIV is 30 …

Economic Empowerment Of Young Women In Southern Uganda: An Embedded Mixed-Methods Dissertation Study, Josephine Nabayinda

Brown School Graduate Student Theses and Dissertations

Prioritizing economic empowerment of young women is necessary for achieving gender equality and promoting sustainable development, as it is intertwined with sociocultural, familial, legal, political, and psychological practices that foster gender equality. Empowering women economically can help them gain control over their financial future, break free from the vicious cycle of poverty and inequality, and achieve autonomy and agency over their lives. Guided by the asset theory and the theory of gender and power, this dissertation employed an embedded mixed-methods approach to examine the economic empowerment of young women in Southern Uganda focusing on three aims. Aim 1 examined the …

Optimizing Adherence To Antiretroviral Therapy Among Adolescents Living With Hiv In Low And Middle-Income Settings, Samuel Kizito

Brown School Graduate Student Theses and Dissertations

Globally, 1.8 million adolescents are living with HIV (ALHIV), of whom 89% (1.5 million) are in Sub-Saharan Africa (SSA) (UNAIDS, 2021b). Unfortunately, despite advances in prevention—such as the prevention of mother to child transmission (PMTCT) and pre-exposure prophylaxis—new infections continue to occur. For example, in 2021 alone, the number of new HIV infections among adolescents aged 10 to 19 was 160,000 cases. Moreover, the rate of HIV-related deaths among adolescents has only declined by 10% in the last decade, which is not fast enough to meet the 2030 global targets. Despite antiretroviral therapy (ART) playing a crucial role in controlling …

How Household Economic Stress Matters: Family Functioning And Child Externalizing And Internalizing Behaviors, Jun-Hong Chen

Brown School Graduate Student Theses and Dissertations

This dissertation investigates the multifaceted dynamics of long-term economic stress and its association with subsequent caregiver psychological well-being and children's internalizing and externalizing behaviors. For a comprehensive measure of household economic stress, this dissertation delves into the severity, duration, and fluctuation of economic stress, considering diverse income and asset profiles. The research framework utilizes and integrates a range of existing theories to create a context for understanding the intricate interplay between economic stress, caregiver mental health, and children's behavioral outcomes. Data are drawn from the Panel Study of Income Dynamics, which includes both information about household economic stress and child …

Comorbidity Of Disordered Eating And Depression: Examining Intersectional Inequities And Cardiometabolic Health Consequences Across The Life Course, Franklin Hunter Mcguire

Brown School Graduate Student Theses and Dissertations

Traditional epidemiologic research has often neglected the degree to which interlocking systems of oppression may (1) describe the distribution of population health inequities and (2) moderate health exposure-outcome associations. Grounded in an intersectional framework, this three-aim dissertation used an intersectional multilevel modeling approach (i.e., intersectional MAIHDA) and US nationally representative data to answer a series of intersectionality-informed research questions relevant to disordered eating, depression, and cardiometabolic health. With data from the National Health and Nutrition Examination Survey, Aim 1 quantified the population distribution of weight loss-oriented disordered eating behaviors (DEBs) among US adults across intersectional groups defined by race/ethnicity, sex/gender, …

Asset-Building Policy And Black Reparations: Effective Delivery And Wealth Accumulation, Trina R. Shanks, Jin Huang, William Elliott, Haotian Zheng, Margaret M. Clancy, Michael Sherraden

Center for Social Development Research

Discussions of reparations focus on who should pay reparations, who should receive them, and how much should be paid, but there is much less consideration of the delivery design. Drawing upon children’s account research, particularly evidence from the SEED for Oklahoma Kids experiment, and insights from the implementation of Child Development Account (CDA) policies, this brief summarizes options for delivering reparations, discusses the policy model for delivering CDAs, and elaborates that model’s implications for the structure of a reparations policy.

For a fuller treatment of these matters, see “A Policy Platform to Deliver Black Reparations: Building on Evidence from Child …

Beyond Black And White Spatial Imaginaries: A Case Study Of The Model Cities Area In St. Louis, Missouri, Clark Randall

Arts & Sciences Graduate Student Theses and Dissertations

Building on, and departing from, George Lipsitz’ theory of white and Black spatial imaginaries, this article analyzes how race-based spatial imaginaries took form in the urban planning politics of 1960’s St. Louis. Specifically, the era of Model Cities funding from 1966-1972 is evaluated as a case study of competing spatial imaginaries for the cities’ future involving the majority Black neighborhoods of the near north side and the preexisting white planning establishment. A part of Lyndon B. Johnson’s Great Society, Model Cities sought to usher in a new framework for citizen planning, putting residents and their local knowledge at the head …

Child Savings Accounts And Other Tax-Advantaged Accounts Benefiting American Children: Testimony Before The U.S. Senate Committee On Finance, William Elliott

Center for Social Development Research

This Perspective presents testimony given by Dr. William Elliott during “Child Savings Accounts and Other Tax-Advantaged Accounts Benefiting American Children,” a hearing before the U.S. Senate Committee on Finance, on May 21, 2024. Noting findings from children’s account research―including findings from the SEED for Oklahoma Kids experiment conducted by the Center for Social Development―Dr. Elliott discusses the 401Kids Savings Account Act and the American Opportunity Accounts Act, as well as proposals for Child Savings Accounts, Baby Bonds, Child Development Accounts.

Using Constructivist Grounded Theory To Generate Participatory Research Empowerment Guideposts (Pregs) For African American Communities To Address Racial Health Disparities, Helen Irene Thurman

Brown School Graduate Student Theses and Dissertations

Racism has multi-systemic impacts on African Americans resulting in longstanding racial health disparities. Increasingly, researchers use participatory research in their health equity efforts. Participatory research is rooted in the principle of empowerment and centers community lived experience to generate meaningful solutions while shifting conventionally held positions of power within research engagement and within systems more broadly. Yet the research literature on empowerment lacks consensus of its operationalization and measurement. What’s more, it is unclear to what degree existing frameworks of empowerment are derived from the communities they seek to engage and empower. Thus existing frameworks of empowerment could be strengthened …

Navigating Gendered Racism Through Coping And Radical Healing: An Interpretative Phenomenological Analysis Of Black Women’S Mental Health In Doctoral Programs, Phylicia Keys

Brown School Graduate Student Theses and Dissertations

Gendered racism emerges as a pervasive mental health concern among Black women doctoral students. However, there is a scarcity of existing literature on the strategies being used to maintain mental well-being while navigating gendered racism among Black women doctoral students. To address the current gaps in scientific knowledge, this dissertation completed individual semi-structured interviews. Interpretative Phenomenological Analysis (IPA), and the lens of Black Feminist Thought and Intersectionality were used as guiding theoretical frameworks to examine narratives of fifteen Black women doctoral students at universities in the United States. The study findings provided insight into coping strategies and the role of …

Impact Of Parent Reported Adverse Experiences And Other Family Stressors On Child Development And Home Visitation Participation Among Immigrant Families, Fithi Andom

Brown School Graduate Student Theses and Dissertations

This dissertation examines variations in early childhood developmental and socioemotional health as well as level of participation in home visitation among recent immigrant families according to reports of adverse experiences (including poverty, intimate partner violence (IPV), and prior history of child protective services (CPS) involvement), maternal depression, and parent–child relationship measures. The period of early childhood is dependent on positive parenting to support optimum development, but parenting may be particularly sensitive to the detrimental influences of adverse experiences. Less is known about how the relationship between parenting, adverse experiences, and child development may differ for immigrant families. Home visitation has …

Dual-System Youth And Emancipating From Foster Care: Examining The Relations Between Delinquency, Independent Living Services, And Criminal Justice Involvement, Dylan Monahan Jones

Brown School Graduate Student Theses and Dissertations

Youth who touch both the child welfare system (CWS) and juvenile justice system (JJS), termed dual-system youth, represent a particularly high needs population at risk of poor outcomes into adulthood. Among CWS involved children, youth aging out of foster care are particularly high risk of dual-system status. To help these teenagers in foster care prepare for adulthood, states offer independent living services (ILS). Despite the high risk of JJS involvement of these youth, we know very little of the association between ILS receipt and dual-system involvement. This dissertation has two aims, the first focusing on ILS and delinquency onset during …

Perspectives Of Stress And Coping Among Older, College-Educated African American Women, Jacquelyn Victoria Coats

Brown School Graduate Student Theses and Dissertations

Older African American women have excess rates of stress-associated chronic diseases. Yet, there is limited research exploring the intersectional position of older African American women to identify within-group differences in stress experiences. Specifically, stress and coping among college-educated women in later life has been largely overlooked. As trends show increasing rates of African American women attaining higher education, research investigating stress and coping among this group of high socio-economic status women is a valuable contribution to aging and public health. This study employed constructivist grounded theory methods guided by the Intersectional Life Course Perspective and the Transactional Model of Stress …

Lifecourse Patterns Of Productive Engagement Among Rural And Urban Older Adults, Peter C. Sun

Brown School Graduate Student Theses and Dissertations

Many older adults are engaged in productive activities that have important ramifications for health in later life. However, little is known about rural-urban patterns of productive engagement across the lifecourse. This dissertation used six waves (2008, 2010, 2012, 2014, 2016, 2018) of the nationally representative Health and Retirement Study to identify patterns of working, volunteering, and caregiving activities over a ten-year period using multichannel sequence analysis and cluster analysis. The antecedents of the patterns were studied using multinomial logistic regression, and the associations of the patterns with longstanding rural-urban disparities in cognitive functioning and self-rated health were studied using multiple …

Reimagining Parent And Family Engagement For African American Children And Their Families, Dominique A. Horton

Brown School Graduate Student Theses and Dissertations

Achievement gaps and mental health disparities for Black children have been written about extensively and still persist. Closure of these gaps have moved at a glacial pace. These disparities have significant implications for one's sense of agency. Black family voice has remained underutilized. Because of this untapped potential, it may be, that the pathway for more equitable outcomes have not been fully understood. Parent and family engagement is associated with positive outcomes, yet, gaps remain in realizing its full impact. Social work is also uniquely positioned to spearhead efforts to address educational concerns and scholars have begun to call upon …

Rejection, Creation, And Abolitionist Futures: Sustaining Ecosystems Of Care Under Neoliberal Violence 1980-Present, Maya Phelps

Senior Honors Papers / Undergraduate Theses

The enforcement of the child welfare system through policies, funding practices, and ideologies is a national investment in the nuclear family as a critical social institution to the United States (US); this investment communicates to the broader population that conforming to this heteropatriarchal, white supremacist conception of family provides protection from state intervention to those who conform. My project interrogates child welfare’s enforcement of normative families, and the resistance from Black family formations and kinship based on their social position and its relation to power. Focusing on the period between 1980 and the present, I examine the ways Black family …

Wealth-Building For All Children: Convergence And Evidence To Support A Nationwide Policy, Jin Huang, Trina R. Shanks, Margaret M. Clancy, William Elliott Iii, Michael Sherraden

Center for Social Development Research

Amid growing concern about wealth inequality in the United States, many policymakers and researchers have come to see early-life wealth-building policies as potential remedies. This brief discusses convergence in the policy community around a shared vision and principles for such policy, and it connects that vision to research. Child Development Account research, much of it conducted through CSD’s SEED for Oklahoma Kids experiment, suggests the parameters for an inclusive, efficient, and effective policy that would express the community’s shared vision.

Report On A Seminar On Financial Capability And Asset Building Organised For Social Work Practitioners, Augustina Naami, Mavis Dako-Gyeke, Abigail A. Mills, Abena Ampomah

Center for Social Development Research

A key step in the work to improve the financial stability and security of marginalized populations begins with training social work practitioners and other human service professionals for competencies in supporting families to build financial security and freedom. In September 2023, the Department of Social Work at the University of Ghana collaborated with the School of Social Work at the University of North Carolina at Chapel Hill to organize a seminar on financial capability and asset building (FCAB) for practitioners in Accra, Ghana. As part of the seminar, Faculty Director David Ansong discussed CSD’s FCAB Africa initiative. This report provides …

“Guard Your Virtue With Your Life”: Purity Expectations And Dynamics Of Purity And Gender-Based Violence For Latter-Day Saint (Lds) Girls And Women, Reilly H. Brady

Women, Gender, and Sexuality Studies Senior Honors Papers

This study investigates purity expectations directed towards girls and women in the Church of Jesus Christ of Latter-day Saints (LDS), approaching a largely underresearched topic and establishing findings such as the mutual embeddedness of purity and gender-based violence for girls and women in the LDS Church. Through a discourse analysis, this study creates a historical timeline of over 100 years of documents, including church-produced media as well as separate writings by LDS women, focusing on how purity has changed and has been politicized over time within various historical moments. While most survey participants in this study described never having heard …

Reflections, Accomplishments, And Opportunities: The Csd Annual Letter, Michael Sherraden

Center for Social Development Research

In this annual letter to mark the start of the Center's for Social Development's 30th year, Founding Director Michael Sherraden shares reflections on some recent accomplishments and discusses the opportunities ahead.