Evaluating Tax Time Savings Interventions and Behaviors

This report explores the behaviors and outcomes related to savings and financial well-being of low- and moderate-income (LMI) tax filers in the United States. Findings from research conducted by Prosperity Now, the Social Policy Institute at Washington University in St. Louis and SaverLife (formerly EARN) during the 2019 tax season are presented. This analysis is unique in that it compares tax filers' outcomes over time across three different tax-filing and savings program platforms: volunteer income tax assistance (VITA) sites, online tax filing through the Turbo Tax Free File Product (TTFFP), and SaverLife's saving program.



The Impact of Credit Counseling on Consumer Outcomes: Evidence from a National Demonstration Program


This study addresses these gaps in the literature through an evaluation of a nationwide credit counselling program called Sharpen Your Financial Focus, an initiative launched by the National Foundation for Credit Counseling (NFCC) in September of 2013.  The Sharpen initiative builds upon and enhances the standard counseling model implemented by NFCC affiliate agencies. As of March 2015, more than 40,000 consumers have received credit counseling services under the Sharpen initiative. This analysis uses data on 6,094 consumers enrolling during the first quarter of the initiative through 13 different affiliate agencies. In partnership with Experian, a matched comparison group is generated through Coarsened Exact Matching (CEM).





This study addresses these gaps in the literature through an evaluation of a nationwide credit counselling program called Sharpen Your Financial Focus, an initiative launched by the National Foundation for Credit Counseling (NFCC) in September of 2013.  The Sharpen initiative builds upon and enhances the standard counseling model implemented by NFCC affiliate agencies. As of March 2015, more than 40,000 consumers have received credit counseling services under the Sharpen initiative. This analysis uses data on 6,094 consumers enrolling during the first quarter of the initiative through 13 different affiliate agencies. In partnership with Experian, a matched comparison group is generated through Coarsened Exact Matching (CEM).




Responses to and Repercussions from Income Volatility in Low- and Moderate-Income Households: Results from a National Survey


This is the second in a series of briefs produced by a partnership between the Aspen Institute’s Expanding Prosperity Impact Collaborative (EPIC), Washington University’s Center for Social Development (CSD), and the Intuit Tax and Financial Center. The first brief highlighted new data on the prevalence of income and expense volatility in low- and moderate-income households. This brief will focus on the potential consequences of volatility and how it relates to financial behavior.