Aspen is a place for leaders to lift their sights above the possessions which possess them. To confront their own nature as human beings, to regain control over their own humanity by becoming more self-aware, more self-correcting, and hence more self-fulfilling.

Walter P. Paepcke, Aspen Institute Co-Founder
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emergency savings

The State of Financial Security 2020: A Framework for Recovery and Resilience

Aspen FSP presents a new framework for understanding and addressing the challenges of household financial insecurity.

The Cycle of Savings: What we Gain when We Understand Savings as a Dynamic Process

The importance of the ongoing act of building, using, and replenishing savings – or “the cycle of savings”-allows people to protect themselves.

We Now See That Americans’ Lack of Emergency Savings is Dangerous, So We Need to Make Emergency Savings From Payroll As Automatic as Saving in a 401(k)

The priority for leaders now must be emergency relief desperately needed to keep families afloat today, but when the economy eventually emerges from its lockdown, families will need more tools to save for future emergencies like this one.

Employers Are Helping Build Emergency Savings

October 15, 2019
Ida Rademacher authored this piece from Bottom Line Personal on employee emergency savings.

Employers Help Workers Build Household-Emergency Funds

June 13. 2019 Ida Rademacher is featured in this WSJ article on employer emergency savings accounts.

Illuminating a Hidden Safety Net: Lessons from Research into Employee Hardship Funds

Research into how hardship funds work and benefit employees and employers. 

Short-Term Financial Stability: A Foundation for Security and Well-Being

This report shines a light on the central role that short-term financial stability plays in a person’s ability to reach broader financial security and upward economic mobility.

Portable Non-Employer Retirement Benefits: An Approach to Expanding Coverage for a 21st Century Workforce

Portable non-employer retirement benefits represent an opportunity to strengthen America’s retirement system and address the retirement insecurity that many Americans experience.

Driving Retirement Innovation: Can Sidecar Accounts Meet Consumers’ Short- and Long-Term Financial Needs?

This brief explores the possibility of linking a short-term savings, or “sidecar,” account to a traditional retirement account to better meet consumers’ short- and long-term financial needs.

Shortfall Savings: The All-Important Financial Buffer Against Volatility

Exploring the ways low- and moderate-income households can build savings for the short-term.