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The SSRC Library allows visitors to access materials related to self-sufficiency programs, practice and research. Visitors can view common search terms, conduct a keyword search or create a custom search using any combination of the filters at the left side of this page. To conduct a keyword search, type a term or combination of terms into the search box below, select whether you want to search the exact phrase or the words in any order, and click on the blue button to the right of the search box to view relevant results.

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The SSRC Library includes resources which may be available only via journal subscription. The SSRC may be able to provide users without subscription access to a particular journal with a single use copy of the full text.  Please email the SSRC with your request.

The SSRC Library collection is constantly growing and new research is added regularly. We welcome our users to submit a library item to help us grow our collection in response to your needs.


  • Individual Author: Durana, Jamie
    Reference Type: Stakeholder Resource
    Year: 2010

    This Municipal Action Guide (MAG) highlights opportunities for local governments and community-based organizations to promote financial access and education among immigrant residents. The MAG also identifies different types of financial literacy programs and their purposes. (author abstract)

    This Municipal Action Guide (MAG) highlights opportunities for local governments and community-based organizations to promote financial access and education among immigrant residents. The MAG also identifies different types of financial literacy programs and their purposes. (author abstract)

  • Individual Author: Karas, Andrew; Lerman, Robert I.
    Reference Type: Report
    Year: 2016

    Many Americans lack the financial knowledge to navigate the modern economy and avoid financial hardship. While information regarding the costs and benefits of financial choices is readily available, many people enter the workforce without knowing how to convert that information into sound decisionmaking. Furthermore, financial education efforts have shown mixed results, and turning classroom theory into lasting habits remains difficult.

    In this report, we explore approaches that incorporate financial education into youth apprenticeship programs. Based on interviews with more than a dozen youth apprenticeship coordinators in Wisconsin and Georgia, we find that integrated financial education is the exception in youth apprenticeship, but we find broad support for the idea that apprentices would benefit from it. (Author abstract)

    Many Americans lack the financial knowledge to navigate the modern economy and avoid financial hardship. While information regarding the costs and benefits of financial choices is readily available, many people enter the workforce without knowing how to convert that information into sound decisionmaking. Furthermore, financial education efforts have shown mixed results, and turning classroom theory into lasting habits remains difficult.

    In this report, we explore approaches that incorporate financial education into youth apprenticeship programs. Based on interviews with more than a dozen youth apprenticeship coordinators in Wisconsin and Georgia, we find that integrated financial education is the exception in youth apprenticeship, but we find broad support for the idea that apprentices would benefit from it. (Author abstract)

  • Individual Author: Lusardi, Annamaria; Michaud, Pierre-Carl; Mitchell, Olivia S.
    Reference Type: Report
    Year: 2011

    Recent studies show that financial literacy is strongly positively related to household wealth, but there is also substantial cross-sectional variation in both financial literacy and wealth levels. To explore these patterns, we develop a calibrated stochastic life cycle model which features endogenous financial literacy accumulation. Our model generates substantial wealth inequality, over and above what standard lifecycle models produce. This is due to the fact that higher earners typically have more hump-shaped labor income profiles and lower retirement benefits which, when interacted with the precautionary saving motive, boosts their need for private wealth accumulation and thus financial literacy. We show that the fraction of the population which is rationally "financially ignorant" depends on the level of labor income uncertainty as well as the generosity of the retirement system. (author abstract)

    Recent studies show that financial literacy is strongly positively related to household wealth, but there is also substantial cross-sectional variation in both financial literacy and wealth levels. To explore these patterns, we develop a calibrated stochastic life cycle model which features endogenous financial literacy accumulation. Our model generates substantial wealth inequality, over and above what standard lifecycle models produce. This is due to the fact that higher earners typically have more hump-shaped labor income profiles and lower retirement benefits which, when interacted with the precautionary saving motive, boosts their need for private wealth accumulation and thus financial literacy. We show that the fraction of the population which is rationally "financially ignorant" depends on the level of labor income uncertainty as well as the generosity of the retirement system. (author abstract)

  • Individual Author: Baron, Lorraine M.
    Reference Type: Journal Article
    Year: 2015

    In this article, the author explores the link between citizens' quantitative literacy abilities and their financial prosperity. The author applies a robust social justice research vision and a Freirean approach to describe personal flourishing within the context of numerical, mathematical, and financial literacy (NMFL) education. Four families participated in a weekly evening community program that was designed to inform them about NMFLs. Analysis of the interview data showed that participants described a sense of personal flourishing, gained confidence and skills, and felt financially empowered enough to teach/transfer that knowledge to their children. The author proposes a conceptual framework linking personal flourishing with NMFLs and suggests the framework be used to investigate and describe quantitative literacy and financial literacy in future empowering pedagogies research. (Author abstract)

    In this article, the author explores the link between citizens' quantitative literacy abilities and their financial prosperity. The author applies a robust social justice research vision and a Freirean approach to describe personal flourishing within the context of numerical, mathematical, and financial literacy (NMFL) education. Four families participated in a weekly evening community program that was designed to inform them about NMFLs. Analysis of the interview data showed that participants described a sense of personal flourishing, gained confidence and skills, and felt financially empowered enough to teach/transfer that knowledge to their children. The author proposes a conceptual framework linking personal flourishing with NMFLs and suggests the framework be used to investigate and describe quantitative literacy and financial literacy in future empowering pedagogies research. (Author abstract)

  • Individual Author: Self-Sufficiency Research Clearinghouse
    Reference Type: SSRC Products
    Year: 2019

    This set of selections focuses on Financial Literacy. SSRC Selections highlight research, evaluation reports, and other publications that inform the field about key issues in, and effective practices for, fostering economic self-sufficiency.

    This set of selections focuses on Financial Literacy. SSRC Selections highlight research, evaluation reports, and other publications that inform the field about key issues in, and effective practices for, fostering economic self-sufficiency.

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