Do unemployment benefits keep people from accepting jobs? What effect do they have on the economy? Researchers and policymakers have been debating these issues since COVID-19 led to widespread job losses last spring.
As the pandemic continues, many U.S. households are struggling to pay their bills. No income group has been spared financial difficulties, but the most-vulnerable households have been hit the hardest. There are severe challenges among lower-income workers and among Black and Hispanic households.
Using newly collected data from the RAND American Life Panel, we examine potential explanations for the gender gap in financial literacy, including the role of marriage and who within a couple makes the financial decisions.
Aging populations are leading countries worldwide to social security reforms. Many countries are moving from pay-as-you-go to personal retirement account (PRA) systems because of their financial sustainability and positive impact on private savings.
These videos offer presentations from "Emerging Research on Financial Literacy: A Workshop," held by the Financial Literacy Center, a joint center of the RAND Corporation, Dartmouth College, and the Wharton School. The workshop brought together Center scholars with policymakers and practitioners in the financial literacy field.
At the first annual conference of the Financial Literacy Research Consortium, scholars discussed how programs, educational products, and policies can best promote financial planning and security. Videos from the presentations are available on rand.org.
A conference highlighting the latest developments in improving the financial literacy of the American public is being held Nov. 18 and 19 in Washington D.C. by the Financial Literacy Center and the U.S. Social Security Administration.
Inventories an array of federal financial and economic literacy programs, highlighting program similarities and differences and categorizing them by purpose, content, delivery method, target audience, and evaluation method.
One way that U.S. households are coping with the global economic downturn is by reaching out to each other via financial help, according to recent survey results, which also reveal that many more households are giving financial help than receiving it and that help most frequently flows from parents to children.
Reports the results of an Internet survey conducted with the American Life Panel to address issues related to consumers' perceptions of credit unions and financial institutions and to help credit unions understand consumer behavior.
A positive relationship between socio-economic status and health is found in many industrialized countries. This study analyzes competing explanations and finds strong evidence of causal effects from both spouses' health on household wealth.
A digital bankruptcy case filing system, incorporating lessons from the IRS and GSA as well as the private sector, may be on the horizon to help the U.S. Trustee Program better identify and measure fraud, abuse, and error in personal bankruptcies.