A financial well-being questionnaire developed by the Consumer Financial Protection...

The Gig Worker On-Demand Economy survey was conducted online by Harris Poll on behalf of Prudential from January 5 to February 18, 2017, among a nationally representative (U.S.) sample of 1,491 workers including 514 full-time and 256 part-time traditional employees and 721 gig workers. Gig work was...

This paper has been commissioned by Prosper Canada to develop and present a working model of the relationships between financial empowerment and poverty in Canada. It reviews published, international, English-language, academic and grey literature, as well as documents provided by Prosper...

Since taking office in the fall of 2015, the Liberal government has made important changes to the publicly administered components of Canada’s retirement income system (RIS). It has restored the age of eligibility for benefits under Old Age Security (OAS) and the Guaranteed Income Supplement...

This paper contributes to the literature on the state of household finances in Canada by constructing new indicators using Canadian microdata based on Canadian and international literature. Using data from the Survey of Financial Security (1999, 2005 and 2012), and also the Canadian Financial...

The Family-Centered Coaching Toolkit offers a set of strategies, tools, and resources that can help programs, agencies, case managers, coaches, and others change the ways they work with families striving to reach their goals. This set of resources, can undo, and redo, how one approaches working...

Income inequality in the United States is growing, but the most common economic statistics hide a significant portion of Americans’ financial instability by drawing on annual aggregates of income and spending. Annual numbers can hide fluctuations that determine whether families have trouble...

There is wide variation in how people in the U.S. feel about their financial well-being. This report presents findings from a survey by the Consumer Financial Protection Bureau (CFPB) on the distribution of financial well-being scores for the U.S. adult population overall and for selected...

This is a webinar presentation recorded with John Stapleton at Prosper Canada on October 4th, 2016. John Stapleton is a Principal of Open Policy, and has worked for the Ontario Government for 28 years in the areas of social assistance policy and operations. In the session John describes the...

Delivered in partnership with Plan Institute, this webinar "Future planning tips for people with disabilities and those who support them," discusses how planning for A Good Life can lead to achieving greater peace of mind about the present. This webinar also introduces the online Future Planning...

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...

This webinar, "Indigenous financial wellness in Canada," introduces an Indigenous financial wellness framework, identifies some of the key barriers and opportunities for building financial wellness in Indigenous communities, and highlights evidence-based best practices for building financial...

This webinar, "Accessing the ‘new’ OSAP (Ontario Student Assistance Program) and other considerations for students on low incomes," is for frontline staff working one-on-one with low-income clients on financial matters. You will learn about how the “new OSAP” (changed in 2017) works,...

In this webinar, "How to deliver financial supports for people with developmental disabilities," you will learn about financial supports and government programs for people with disabilities in Canada. The topics covered include: social assistance programs, the Disability Tax Credit and other...

A growing number of Canadians are living with fluctuating incomes - incomes which may vary significantly from month to month, not just from year to year. This makes it difficult to save, plan, and achieve financial wellness. This webinar, "Income volatility in Canada: Why it matters and what to do...

Income volatility describes income which is inconsistent (not received on a regular and predictable basis), unstable (amount varies each time it is received), and that fluctuates month to month by a significant percentage. TD’s report, Pervasive and Profound, has found that Canadians...

This article examines changes in the wealth of Canadian families (i.e. total family assets minus total family debt) over the period from 1999 to 2012, with a particular focus on changes across income quintiles. The paper also examines changes in the concentration of wealth across income quintiles,...

The number of temporary foreign workers in Canada increased considerably since the early 1990s. Temporary foreign workers also became an increasingly important source of permanent residents admitted to Canada over this period. Using the Temporary Residents File and the Immigrant Landing File,...

This is a brief on the cost of financially insecure families to Chicago, in terms of cost of eviction and unpaid bills. The financial health of cities depends on financially secure residents. When families have little to no savings and experience a disruption in their income or expenses, bills may...

This new Poverty Trends Scorecard consisting of four reports now presents an update of the information on income, wealth, and inequality. Over three years later, the recovery has yet to fully take hold. The individuals and families who bore the brunt of the 2008–09 recession face continuing...

The JPMorgan Chase Institute has assembled data assets and perspectives on income and spending volatility over the last three years and examined the impacts of extraordinary income changes from job loss and extraordinary expense changes, notably from medical payments. Here we take a holistic view...

This is a pre-budget presentation from the Government of Canada on the state of the middle class in Canada. Middle class challenges, successes, and government commitments. All Canadians benefit from strong, sustained, and inclusive economic growth and everyone has a real and fair chance at economic...

In order to monitor the financial and economic status of American consumers, the Federal Reserve Board conducted the third annual Survey of Household Economics and Decisionmaking in October and November 2015. This survey provides insights into the well-being of households and consumers, and...

The Zambia Financial Diaries is a year-long panel study that collects data each week on all transactions performed by respondents - all sales and purchases, income earned from informal or formal labor, uses of financial tools, and exchanges of in-kind goods. The purpose of the study is to develop...

We use data for a large sample of Ontario students who are observed over five years from their initial entry into high school to study differences in postsecondary education participation. The students are grouped by average neighbourhood income and birthplace (Canadian or foreign‐born). We find...