Social Work Commons^™

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 …

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

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?

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.

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 …

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 …

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.

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 …

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/

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.

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 …

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.

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 …

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 …