Open Access. Powered by Scholars. Published by Universities.®
- Discipline
- Keyword
-
- Assets (150)
- IDA (136)
- Individual development account (128)
- Savings (120)
- Child development account (117)
-
- CDA (104)
- Saving (102)
- Child savings (98)
- Policy (87)
- Asset accumulation (72)
- ADD (68)
- American Dream Demonstration (67)
- College savings (65)
- United States (64)
- State policy (56)
- 529 (54)
- Low income (54)
- Asset ownership (49)
- Youth (49)
- Education (46)
- Research (46)
- Volunteerism (46)
- GAP (44)
- College savings plan (43)
- Child savings account (40)
- Volunteer service (40)
- Asset effects (39)
- Race (39)
- Academic achievement (38)
- Children (38)
- Publication Year
Articles 151 - 180 of 805
Full-Text Articles in Entire DC Network
Workplace Financial Wellness Services: A Primer For Employers, Center For Social Development
Workplace Financial Wellness Services: A Primer For Employers, Center For Social Development
Center for Social Development Research
The Center for Social Development at Washington University in St. Louis (CSD) and Prosperity Now work to advance the financial well-being of households with limited income. With this primer, we hope to provide employers an overview of common workplace-based financial wellness services that can be tailored to serve the needs of lower income workers.
Annual Report On The Head Start Family Financial Capability Program: 2015–2016, Jami Curley, Anne S. Robertson
Annual Report On The Head Start Family Financial Capability Program: 2015–2016, Jami Curley, Anne S. Robertson
Center for Social Development Research
This report presents results from a mixed-methods evaluation of the third year of implementation of a financial-capability program with Head Start families in the St. Louis, Missouri, metropolitan area: The Head Start Family Financial Capability (HSFFC) Program. The program combined savings incentives, budget and credit counseling, and one-on-one coaching with 10 hours of financial education on debt management, banking, budgeting, saving, and credit. The results reported here come from analyses of data on 339 adult program participants from Head Start families, 107 Head Start staff who participated in the program, and administrators and staff implementing the program at Head Start …
Statewide Child Development Account Policies: Key Design Elements, Margaret M. Clancy, Sondra G. Beverly
Statewide Child Development Account Policies: Key Design Elements, Margaret M. Clancy, Sondra G. Beverly
Center for Social Development Research
Child Development Accounts (CDAs) aim to build assets for postsecondary education. Unlike many asset-building programs, CDAs were explicitly conceived to be universal (every child is included) and progressive (greater support for disadvantaged children). Four states have created statewide CDAs—Baby Scholars in Connecticut, the Harold Alfond College Challenge in Maine, College Kick Start in Nevada, and CollegeBoundbaby in Rhode Island. In this policy report, we describe these CDAs to provide perspective and inform new initiatives. We begin by identifying 10 key CDA policy design elements originally modeled by the CDA in the SEED for Oklahoma Kids experiment. By modeling key design …
Employee Financial Wellness Programs Project: Comprehensive Report Of Findings, Ellen Frank-Miller, Meredith Covington, Mathieu R. Despard, Geraldine Hannon, Michal Grinstein-Weiss
Employee Financial Wellness Programs Project: Comprehensive Report Of Findings, Ellen Frank-Miller, Meredith Covington, Mathieu R. Despard, Geraldine Hannon, Michal Grinstein-Weiss
Center for Social Development Research
Using insights from employers and employees to generate evidence on employee financial wellness programs (EFWPs), this research report illustrates findings from a mixed-methods study assessing the potential of these programs to increase the financial stability of American workers. The research team surveyed employers that offered or were interested in offering an EFWP and subsequently conducted in-depth interviews with a subsample of those employers to acquire a greater understanding of survey responses. Further, the research team conducted intensive case studies, examining the relationship between EFWP providers and their clients as well as the dynamics of program delivery. These case studies benefitted …
Asset Limits For Means-Tested Public Assistance: Considerations For Child Development Account Proponents, Sondra G. Beverly, Margaret M. Clancy
Asset Limits For Means-Tested Public Assistance: Considerations For Child Development Account Proponents, Sondra G. Beverly, Margaret M. Clancy
Center for Social Development Research
If low-income families believe that having savings will jeopardize their public assistance benefits, they are unlikely to participate in Child Development Account (CDA) programs. This policy brief (1) documents the impact of CDA savings on five public assistance programs (Medicaid, CHIP, SNAP, LIHEAP, and TANF) and (2) identifies opportunities for policy change at the state level. CDA savings held in agency-owned accounts do not affect public assistance because students and families do not own the savings. Personal deposits held in individually-owned CDAs may affect assistance, but our review shows that they often do not, especially when held in 529 college …
Employee Financial Wellness Programs: A Review Of The Literature And Directions For Future Research, Geraldine Hannon, Meredith Covington, Mat Despard, Ellen Frank-Miller, Michal Grinstein-Weiss
Employee Financial Wellness Programs: A Review Of The Literature And Directions For Future Research, Geraldine Hannon, Meredith Covington, Mat Despard, Ellen Frank-Miller, Michal Grinstein-Weiss
Center for Social Development Research
This is a literature review of studies that have examined the implementation of financial wellness programs in the workplace. The review suggests that employee financial wellness programs (EFWPs) have drawn on both existing and new methods to improve the financial security of employees. Although a number of studies have been conducted on employer-based financial education and retirement planning, evidence concerning the efficacy of EFWPs is limited. Moreover, the methodological shortcomings of studies in the workplace financial wellness field have limited evidence concerning returns on investment and impeded efforts to make best-practice recommendations. Thus, researchers should consider strengthening the evidence base …
Reverse Civic And Legal Exclusions For Persons With Criminal Charges And Convictions, Carrie Pettus-Davis, Matthew W. Epperson, Annie Grier
Reverse Civic And Legal Exclusions For Persons With Criminal Charges And Convictions, Carrie Pettus-Davis, Matthew W. Epperson, Annie Grier
Center for Social Development Research
This policy action statement was developed by members of the network engaged in the Grand Challenge to Promote Smart Decarceration. The Grand Challenges initiative’s policy action statements present proposals emerging from Social Innovation for America’s Renewal, a policy conference organized by the Center for Social Development at Washington University in collaboration with theAmerican Academy of Social Work & Social Welfare, which is leading the Grand Challenges for Social Work initiative to champion social progress through a national agenda powered by science.
Start Lifelong Asset Building With Universal And Progressive Child Development Accounts, Jin Huang, Margaret S. Sherraden, Margaret M. Clancy, Michael Sherraden, Trina R. Shanks
Start Lifelong Asset Building With Universal And Progressive Child Development Accounts, Jin Huang, Margaret S. Sherraden, Margaret M. Clancy, Michael Sherraden, Trina R. Shanks
Center for Social Development Research
This policy action statement was developed by members of the networks engaged in the Grand Challenges to Build Financial Capability and Assets for All and to Reduce Extreme Economic Inequality. The Grand Challenges initiative’s policy action statements present proposals emerging from Social Innovation for America’s Renewal, a policy conference organized by the Center for Social Development at Washington University in collaboration with theAmerican Academy of Social Work & Social Welfare, which is leading the Grand Challenges for Social Work initiative to champion social progress through a national agenda powered by science.
Expand Paid Family And Medical Leave, Ernest Gonzales, Nancy Morrow-Howell, Huy Ho
Expand Paid Family And Medical Leave, Ernest Gonzales, Nancy Morrow-Howell, Huy Ho
Center for Social Development Research
This policy action statement was developed by members of the network engaged in the Grand Challenge to Advance Long and Productive Lives. The Grand Challenges initiative’s policy action statements present proposals emerging from Social Innovation for America’s Renewal, a policy conference organized by the Center for Social Development at Washington University in collaboration with theAmerican Academy of Social Work & Social Welfare, which is leading the Grand Challenges for Social Work initiative to champion social progress through a national agenda powered by science.
Assessing Retirement Needs And Interest In Myra: Findings From The Refund To Savings Initiative, Stephen P. Roll, Jane E. Oliphant, Dana C. Perantie, Michal Grinstein-Weiss, Genevieve Davison
Assessing Retirement Needs And Interest In Myra: Findings From The Refund To Savings Initiative, Stephen P. Roll, Jane E. Oliphant, Dana C. Perantie, Michal Grinstein-Weiss, Genevieve Davison
Center for Social Development Research
As part of the U.S. Department of the Treasury’s ongoing effort to promote the myRA starter retirement account, we used the Refund to Savings Initiative’s Household Financial Survey to assess low- to moderate-income tax filers’ retirement needs, attitudes towards retirement, and interest in a myRA-type account. We also tested different messaging approaches for promoting myRA. The report found that 32% of survey respondents did not own a retirement account and that lack of money and lack of access to an employer-based account were major impediments to retirement account ownership. The report also found that only 10% to 15% of respondents …
What It Means To Be A Social Worker: Her World Woman Of The Year Acceptance Speech, Sudha Nair
What It Means To Be A Social Worker: Her World Woman Of The Year Acceptance Speech, Sudha Nair
Center for Social Development Research
This Perspective presents remarks delivered by Sudha Nair on August 24, 2016, in an address accepting the Her World Woman of the Year award. Dr. Nair is the executive director of PAVE (the first family violence specialist center in Singapore) and a member of the Public Service Commission of Singapore.
Coping With A Crisis: Financial Resources Available To Low- And Moderate-Income Households In Emergencies, Dana C. Perantie, Stephen P. Roll, Jane E. Oliphant, Shenyang Guo, Michal Grinstein-Weiss
Coping With A Crisis: Financial Resources Available To Low- And Moderate-Income Households In Emergencies, Dana C. Perantie, Stephen P. Roll, Jane E. Oliphant, Shenyang Guo, Michal Grinstein-Weiss
Center for Social Development Research
Using data from tax records and a longitudinal survey, this brief investigates the choices low- and moderate-income households make about their tax withholding and their preferences for withholding. The relationship between withholding preferences and the use of the tax refund, measures of material hardship, and the use of alternative financial services is also explored. We find that almost half of all survey respondents preferred to overwithhold their income each year in order to get a larger tax refund. Yet despite preferring to take home less income during the year, these households experienced higher levels of material hardship than those who …
Reflections From The Front Lines: Ideas And Evidence To Policy, Ray Boshara
Reflections From The Front Lines: Ideas And Evidence To Policy, Ray Boshara
Center for Social Development Research
This Perspective presents remarks delivered on September 15, 2016, duringSocial Innovation for America’s Renewal, a policy conference of the Grand Challenges for Social Work initiative. The conference was organized by the Center for Social Development at Washington University in collaboration with the American Academy of Social Work & Social Welfare.
Do Savings And Assets Reduce Need-Based Aid For Dependent Students?, Margaret M. Clancy, Sondra G. Beverly
Do Savings And Assets Reduce Need-Based Aid For Dependent Students?, Margaret M. Clancy, Sondra G. Beverly
Center for Social Development Research
Federal programs such as Pell Grants provide financial aid for college according to need. Although the federal government is the principal source of need-based student aid, almost all states offer assistance. Rules governing student aid designate income as the primary indicator of ability to pay but assets are also considered. This policy brief documents the impact of assets on need-based aid for dependent students under current rules and formulas. The main observation is that savings and assets do not affect need-based aid for most dependent students. When assets count toward the EFC, savings held in 529 plan accounts have less …
Policy Recommendations For Meeting The Grand Challenge To Achieve Equal Opportunity And Justice, Ruth G. Mcroy, Yolanda C. Padilla, Rocío Calvo, Jeremy T. Goldbach, Martell L. Teasley, Hortensia Amaro, Marilyn Armour, Manuel Cano, Sandra E. Crewe, Westy Egmont, Victor J. Figuero, Rowena Fong, Cynthia G. S. Franklin, Ruby M. Gourdine, John L. Jackson Jr., Mit Joyner, Michael S. Kelly, James E. Lubben, Larry Ortiz, Macheo Payne, Robert Rosales, William A. Vega, Michael D. Walter, Mary C. Waters
Policy Recommendations For Meeting The Grand Challenge To Achieve Equal Opportunity And Justice, Ruth G. Mcroy, Yolanda C. Padilla, Rocío Calvo, Jeremy T. Goldbach, Martell L. Teasley, Hortensia Amaro, Marilyn Armour, Manuel Cano, Sandra E. Crewe, Westy Egmont, Victor J. Figuero, Rowena Fong, Cynthia G. S. Franklin, Ruby M. Gourdine, John L. Jackson Jr., Mit Joyner, Michael S. Kelly, James E. Lubben, Larry Ortiz, Macheo Payne, Robert Rosales, William A. Vega, Michael D. Walter, Mary C. Waters
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Build Financial Capability And Assets For All, Jin Huang, Margaret S. Sherraden, Margaret M. Clancy, Michael Sherraden, Julie Birkenmaier, Mathieu R. Despard, Jodi J. Frey, Christine Callahan, David Rothwell
Policy Recommendations For Meeting The Grand Challenge To Build Financial Capability And Assets For All, Jin Huang, Margaret S. Sherraden, Margaret M. Clancy, Michael Sherraden, Julie Birkenmaier, Mathieu R. Despard, Jodi J. Frey, Christine Callahan, David Rothwell
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Promote Smart Decarceration, Matthew W. Epperson, Carrie Pettus-Davis
Policy Recommendations For Meeting The Grand Challenge To Promote Smart Decarceration, Matthew W. Epperson, Carrie Pettus-Davis
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Reduce Extreme Economic Inequality, William Elliott Iii, Julia R. Henly, Susan J. Lambert, Laura Lein, Jennifer L. Romich, Trina R. Shanks, Michael Sherraden
Policy Recommendations For Meeting The Grand Challenge To Reduce Extreme Economic Inequality, William Elliott Iii, Julia R. Henly, Susan J. Lambert, Laura Lein, Jennifer L. Romich, Trina R. Shanks, Michael Sherraden
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Advance Long And Productive Lives, Nancy Morrow-Howell, Ernest Gonzales, Christina Matz-Costa
Policy Recommendations For Meeting The Grand Challenge To Advance Long And Productive Lives, Nancy Morrow-Howell, Ernest Gonzales, Christina Matz-Costa
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Harness Technology For Social Good, Stephanie Cosner Berzin, Claudia J. Coulton, Robert Goerge, Laurel Hitchcock, Emily Putnam-Hornstein, Melanie Sage, Jonathan Singer
Policy Recommendations For Meeting The Grand Challenge To Harness Technology For Social Good, Stephanie Cosner Berzin, Claudia J. Coulton, Robert Goerge, Laurel Hitchcock, Emily Putnam-Hornstein, Melanie Sage, Jonathan Singer
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To End Homelessness, Deborah K. Padgett, Benjamin F. Henwood, Dennis P. Culhane
Policy Recommendations For Meeting The Grand Challenge To End Homelessness, Deborah K. Padgett, Benjamin F. Henwood, Dennis P. Culhane
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Close The Health Gap, Michael S. Spencer, Karina L. Walters, John D. Clapp
Policy Recommendations For Meeting The Grand Challenge To Close The Health Gap, Michael S. Spencer, Karina L. Walters, John D. Clapp
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Eradicate Social Isolation, Suzanne Brown, E. A. Casey, Sandra E. Crewe, Melanie Gironda, Carrie Johnson, James Lubben, Michelle Munson, Erika Sabbath, Elizabeth Tracy
Policy Recommendations For Meeting The Grand Challenge To Eradicate Social Isolation, Suzanne Brown, E. A. Casey, Sandra E. Crewe, Melanie Gironda, Carrie Johnson, James Lubben, Michelle Munson, Erika Sabbath, Elizabeth Tracy
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Create Social Responses To A Changing Environment, Susan P. Kemp, Lisa Reyes Mason, Lawrence A. Palinkas, Samantha Teixeira
Policy Recommendations For Meeting The Grand Challenge To Create Social Responses To A Changing Environment, Susan P. Kemp, Lisa Reyes Mason, Lawrence A. Palinkas, Samantha Teixeira
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Stop Family Violence, Shanti J. Kulkarni, Richard P. Barth, Jill T. Messing
Policy Recommendations For Meeting The Grand Challenge To Stop Family Violence, Shanti J. Kulkarni, Richard P. Barth, Jill T. Messing
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Policy Recommendations For Meeting The Grand Challenge To Ensure Healthy Development For All Youth, J.David Hawkins, Jeffery M. Jenson, Jordan Devylder, Richard F. Catalano, Gilbert J. Botvin, Mark Fraser, Kimberly A. Bender, Valerie A. Shapiro, Brian Bumbarger
Policy Recommendations For Meeting The Grand Challenge To Ensure Healthy Development For All Youth, J.David Hawkins, Jeffery M. Jenson, Jordan Devylder, Richard F. Catalano, Gilbert J. Botvin, Mark Fraser, Kimberly A. Bender, Valerie A. Shapiro, Brian Bumbarger
Center for Social Development Research
This brief was created forSocial Innovation for America’s Renewal, a policy conference organized by the Center for Social Development in collaboration with the American Academy of Social Work & Social Welfare, which is leading theGrand Challenges for Social Work initiative to champion social progress. The conference site includes links to speeches, presentations, and a full list of the policy briefs.
Gathering Of Grand Challenges Network Groups: Dinner Remarks, September 14, 2016, Darrell P. Wheeler
Gathering Of Grand Challenges Network Groups: Dinner Remarks, September 14, 2016, Darrell P. Wheeler
Center for Social Development Research
This Perspective presents remarks delivered by Darrell Wheeler, president of the National Association of Social Workers and dean of the University at Albany School of Social Welfare, duringSocial Innovation for America’s Renewal, a September 2016 policy conference of the Grand Challenges for Social Work initiative. The conference was organized by the Center for Social Development at Washington University in collaboration with the American Academy of Social Work & Social Welfare.
Home Delinquency Rates Are Lower Among Aca Marketplace Households: Evidence From A Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, Genevieve Davison
Home Delinquency Rates Are Lower Among Aca Marketplace Households: Evidence From A Natural Experiment, Emily A. Gallagher, Radhakrishnan Gopalon, Michal Grinstein-Weiss, Stephen P. Roll, Genevieve Davison
Center for Social Development Research
This brief uses administrative income tax data coupled with survey responses from roughly 5,000 households living near the poverty line to estimate how access to the Affordable Care Act’s health insurance Marketplaces have affected households’ experiences of extreme illiquidity, which is measured by delinquencies on home payments. To estimate this relationship, we exploit a natural experiment underway in states that did not expand Medicaid and created by the eligibility rules for Marketplace subsidies. Results suggest that insured households living near the poverty line are better able to make timely rent and mortgage payments compared with similar, uninsured households. Given housing …
International Child Development Accounts, Michael Sherraden, Li-Chen Cheng, Fred M. Ssewamala, Youngmi Kim, Vernon Loke, Li Zou, Gina Chowa, David Ansong, Lissa Johnson, Yung Soo Lee, Michal Grinstein-Weiss, Margaret M. Clancy, Jin Huang, Sondra G. Beverly, Yunju Nam, Chang-Keun Han
International Child Development Accounts, Michael Sherraden, Li-Chen Cheng, Fred M. Ssewamala, Youngmi Kim, Vernon Loke, Li Zou, Gina Chowa, David Ansong, Lissa Johnson, Yung Soo Lee, Michal Grinstein-Weiss, Margaret M. Clancy, Jin Huang, Sondra G. Beverly, Yunju Nam, Chang-Keun Han
Center for Social Development Research
This Working Paper has been submitted for inclusion in the new online edition of theEncyclopedia of Social Work, which is published by Oxford University Press. The paper discusses efforts to implement Child Development Accounts in the United States and numerous other countries. Child Development Accounts (CDAs) are subsidized savings or investment accounts to help people accumulate assets for developmental purposes and life course needs. They are envisioned as universal (everyone participates), progressive (greater subsidies for the poor), and potentially lifelong national policy. These features distinguish CDAs from most existing asset-building policies and programs around the world, which are typically regressive, …
Asset Building: Toward Inclusive Policy, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra G. Beverly, Margaret S. Sherraden, Mark Schreiner, William Elliott Iii, Trina Shanks William, Deborah Adams, Jami C. Curley, Jin Huang, Michal Grinstein-Weiss, Yunju Nam, Min Zhan, Chang-Kuen Han
Asset Building: Toward Inclusive Policy, Michael Sherraden, Lissa Johnson, Margaret Clancy, Sondra G. Beverly, Margaret S. Sherraden, Mark Schreiner, William Elliott Iii, Trina Shanks William, Deborah Adams, Jami C. Curley, Jin Huang, Michal Grinstein-Weiss, Yunju Nam, Min Zhan, Chang-Kuen Han
Center for Social Development Research
This Working Paper has been submitted for inclusion in theEncyclopedia of Social Work's new online edition, which is published by Oxford University Press. Since 1991, a new policy discussion has arisen in the United States and other countries, focusing on building assets as a complement to traditional social policy based on income. In fact, asset-based policy already existed (and still exists) in the United States, with large public subsidies. But the policy is regressive, benefiting the rich far more than the poor. The goal should be a universal, progressive, and lifelong asset-based policy. One promising pathway may be Child Development …