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income volatility

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A chart of the United States showing where the U.S. Financial Diaries study occurred - California, Eastern Mississippi, Ohio/Kentucky, and New York City.

Is Financial Unsteadiness the New Normal?

A yearlong analysis of 200-plus households suggests that we should add a third leg to the financial security stool along with income and assets: cash flow.

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A ripple in water.
Financial System

The Ripple Effects of Income Volatility

Research shows a connection between the financial instability of families and the economic health of communities.

Financial System

The Fight for Full-Time Work in San Jose

Unpredictable hours lead to unpredictable cash flow, which is a barrier to budgeting and saving. One response to this, the Opportunity to Work Initiative, would require that San Jose employers give more hours to part-time employees before hiring new staff.

Policy

Breaking Asset Poverty: Better Homeownership—and More

Rather than abandoning homeownership as an asset-building strategy the next administration must pursue alternative strategies: bringing back “good homeownership,” supporting quality affordable rental housing, and developing other ways to help families of modest means invest for themselves and their future.