Aizcorbe, Ana M., Arthur B. Kennickell, and Kevin B. Moore. 2003. Recent Changes in US Family Finances: Evidence from the 1998 and 2001 Survey of Consumer Finances. Federal Reserve Bulletin. Washington, DC: Board of Governors of the Federal Reserve System.
Badu, Yaw A., Kenneth N. Daniels, and Daniel P. Salandro. 1999. An Empirical Analysis of Differences in Black and White Asset and Liability Combinations. Financial Services Review 8:12947.
Bell, Elizabeth, Adam Carasso, and C. Eugene Steuerle. 2005. Strengthening Private Sources of Retirement Savings for Low-Income Families. Washington, DC: The Urban Institute.
Belsky, Eric, and Allegra Calder. 2004. Credit Matters: Low-Income Asset Building Challenges in a Dual Financial Service System. Joint Center for Housing Studies Working Paper BABC 04-1. Cambridge, MA: Joint Center for Housing Studies, Harvard University.
Browning, Martin, and Annamaria Lusardi. 1996. Household Saving: Micro Theories and Micro Facts. Journal of Economic Literature 34(4): 17971855.
Bucks, Brian K., Arthur B. Kennickell, and Kevin B. Moore. 2006. Recent Changes in U.S. Family Finances: Evidence from the 2001 and 2004 Survey of Consumer Finances. Federal Reserve Bulletin. Washington, DC: Board of Governors of the Federal Reserve System.
Caner, Asena, and Edward N. Wolff. 2004. Asset Poverty in the United States: Its Persistence in an Expansionary Economy. Public Policy Brief No. 75. Annadale-on-Hudson: Levy Economics Institute of Bard College.
Carasso, Adam, Elizabeth Bell, Edgar O. Olsen, and C. Eugene Steuerle. 2005. Improving Homeownership Among Poor and Moderate-Income Households. Opportunity and Ownership Project Brief No. 2. Washington, DC: The Urban Institute.
Domowitz, Ian and Robert L. Sartain. 1999. Determinants of the Consumer Bankruptcy Decision. Journal of Finance 54(1): 40320.
Fay, Scott, Erik Hurst, and Michelle J. White. 2002. The Household Bankruptcy Decision. The American Economic Review 92(3): 70618.
Gross, David B. and Nicholas S. Souleles. 2002. An Empirical Analysis of Personal Bankruptcy and Delinquency. The Review of Financial Studies 15(1): 31947.
Haveman, Robert, and Edward N. Wolff. 2001. Who Are the Asset Poor? Levels, Trends and Composition, 19831998. Institute for Research on Poverty Discussion Paper 1227-01. Madison, WI: Institute for Research on Poverty, University of Wisconsin-Madison.
Heeringa, Steven G. and Judith H. Connor. 1995. Technical Description of the Health and Retirement Survey Sample Design. Ann Arbor, Michigan: University of Michigan Institute for Social Research.
Himmelstein, David U., Elizabeth Warren, Deborah Thorne, and Steffie Woolhandler. 2005, February 2. MarketWatch: Illness and Injury as Contributors to Bankruptcy. Health Affairs (Web Exclusive).
Kennickell, Arthur B. 2000. Wealth Measurement in the Survey of Consumer Finances: Methodology and Directions for Future Research. Washington, DC: Board of Governors of the Federal Reserve System.
. 2003. A Rolling Tide: Changes in the Distribution of Wealth in the US, 19892001. Washington, DC: Board of Governors of the Federal Reserve System.
Kennickell, Arthur B. and Annika E. Sunden. 1997. Pensions, Social Security, and the Distribution of Wealth. Washington, DC: Board of Governors of the Federal Reserve System.
Lerman, Robert I. 2005. Are Low-Income Households Accumulating Assets and Avoiding Unhealthy Debt? A Review of the Evidence. Opportunity and Ownership Project Brief No. 1. Washington, DC: The Urban Institute.
Lupton, Joseph and James P. Smith. 1999. Marriage, Assets, and Savings. Labor and Population Program Working Paper Series 99-12. Prepared for the National Institute of Child Health and Human Development. Santa Monica, CA: The RAND Corporation.
Marquis, Milt. 2002. Whats Behind the Low U.S. Personal Saving Rate? FRBSF Economic Letter 2002-09. San Francisco, CA: Federal Reserve Bank of San Francisco.
McKernan, Signe-Mary and Henry Chen. 2005. Small Business and Microenterprise as an Opportunity- and Asset-Building Strategy. Opportunity and Ownership Project Brief No. 3. Washington, DC: The Urban Institute.
Oliver, Melvin L., and Thomas M. Shapiro. 1997. Black Wealth/White Wealth. New York: Routledge.
Ratcliffe, Caroline, Henry Chen, Trina R. Williams Shanks, Yunju Nam, Mark Schreiner, Min Zhan, and Michael Sherraden. 2007. Assessing Asset Data on Low-Income Households: Current Availability and Options for Improvement. A Report in the Series Poor Finances: Assets and Low-Income Households. Washington, DC: Office of the Assistant Secretary for Planning and Evaluation, U.S. Dept. of Health and Human Services. http://aspe.hhs.gov/hsp/07/PoorFinances/data/index.shtml.
Smith, James P. 1995. Racial and Ethnic Difference in Wealth in the Health and Retirement Study. The Journal of Human Resources 30 (Supplement): S158S183.
. 1999. Healthy Bodies and Thick Wallets: The Dual Relation Between Health and Economic Status. Journal of Economic Perspectives 13(2): 14566.
Stavins, Joanna. 2000. Credit Card Borrowing, Delinquency, and Personal Bankruptcy. New England Economic Review July/August.
Steuerle, C. Eugene and Adam Carasso. 2004. The USA Today Lifetime Social Security and Medicare Benefits Calculator: Assumptions and Methods. Washington, DC: The Urban Institute.
Sullivan, James X. 2004. Welfare Reform and Vehicle Ownership for the Poor: Do Asset Tests and Vehicle Exemptions Matter. South Bend, IN: University of Notre Dame.
University of Michigan Institute for Social Research. 2005. PSID Guide. http://psidonline.isr.umich.edu/Guide/FAQ.aspx.
U.S. Census Bureau. 2001. Survey of Income and Participation Users Guide (Supplement to the Technical Documentation). Third edition. http://www.sipp.census.gov/sipp/usrguide/sipp2001.pdf.
Wolff, Edward N. 2004. Changes in Household Wealth in the 1980s and 1990s in the US. Working Paper No. 407. Annandale-on-Hudson, NY: The Levy Economics Institute at Bard College.