Personal Finance

Journal Article

May 10, 2024

Financial Independence and Gender Equality: Joining the Dots Between Income, Wealth, and Power

This report presents evidence on gender inequalities in financial independence in the EU, with a particular focus on how financial independence has been defined and measured.

Commentary

Jan 29, 2024

Chief Master Sgt. of the Air Force JoAnne S. Bass talks provides a mentoring session at the Department of the Air Force Diversity, Equity, Inclusion and Accessibility Conference, September 18, 2023, Washington, D.C., photo by Capt. Shane Ellis/U.S. Air Force

Demystifying the Wealth Gap to Inform Military Talent Management Decisions

This publication provides Department of the Air Force leaders and policymakers with an interdisciplinary framework to better see and understand the wealth gap when considering potential candidates from groups with historic disparities.

Tool

Aug 31, 2023

Decoding Income Share Agreements: A Resource for Learners and Financial Aid Professionals

This tool is designed to help people figure out whether an income share agreement (ISA) is right for them. It provides information about how ISAs work, how to estimate monthly and total ISA payments, and how to weigh the benefits and risks of ISAs.

Report

Aug 22, 2023

A college student using a laptop, photo by shapecharge/Getty Images

Income Share Agreements: Market Structure, Communication, and Equity Implications of a Student Loan Alternative

Income share agreements (ISAs) provide a way to finance postsecondary education, but not much is known about how they work. In this report, RAND researchers examine ISA structure, analyze ISA communication, and assess implications for equity.

Journal Article

Jul 12, 2023

Modeling America's Racial Wealth Disparities: Mathematical Models Help Chart Pathways for Closing Racial Wealth Gaps

This commentary discusses how simulation models can help chart pathways for closing racial wealth gaps in the United States.

Report

Jun 28, 2023

Examining the financial stability of UK military families: An exploratory analysis

This study explores the prevalence and drivers of financial (in)stability among military families in the United Kingdom. It provides recommendations for improving policy and finance-related support based on a critical review of the support landscape.

Journal Article

Jun 27, 2023

An older black couple look at a laptop together at the kitchen table, photo by AJ_Watt/Getty Images

Spending Trajectories After Age 65 Variation by Initial Wealth

Financial planning requires information about how spending needs evolve with age. Spending declines after age 65, also among wealthy households, suggesting that the decline is due to changes in the desire to spend, not tightening economic circumstances.

How Are U.S. Public School Superintendents Doing?

How Russia Is Using Gold in Wartime

Russia Explained: What Americans Need to Know

North Korea Explained: What Americans Need to Know

Climate Change and Critical Infrastructure: Assessing the Risks and Identifying Mitigation Strategies

The Policy Currents Podcast

Getting to Know Military Caregivers and Their Needs

Managing Escalation in Crisis and War

Assessing and Articulating the Wider Benefits of Research

Improving Access to Early Childhood Education

Personal Finance

Personal Finance

Americans' Spending Declines Consistently After Age 65

Behavioral Finance (BeFi) Forum Promotes Research on Consumer Behavior

Explore RAND’s Work on this Topic

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Women Can't Build Secure Futures Without Financial Literacy

Financial Independence and Gender Equality: Joining the Dots Between Income, Wealth, and Power

Demystifying the Wealth Gap to Inform Military Talent Management Decisions

RAND Behavioral Finance Forum 2023

Decoding Income Share Agreements: A Resource for Learners and Financial Aid Professionals

Income Share Agreements: Market Structure, Communication, and Equity Implications of a Student Loan Alternative

Modeling America's Racial Wealth Disparities: Mathematical Models Help Chart Pathways for Closing Racial Wealth Gaps

Examining the financial stability of UK military families: An exploratory analysis

Understanding and supporting the financial stability of UK military families: Summary of findings and recommendations for policy and practice

Examining the financial stability of UK military families

Spending Trajectories After Age 65 Variation by Initial Wealth

RAND Review: May-June 2023

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