Emergency Savings

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

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

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 represent an opportunity to strengthen America’s retirement system and address the retirement insecurity that many Americans experience.

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.

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

This brief reviews the current research on how families cope with income volatility, identifies existing hybrid products that have demonstrated capacity to help, discusses the roles of the institutions best positioned to act, and recommends principles for further action.

If we can equip many more households to be prepared for inevitable financial ups and downs, we can help millions of Americans bring stability to their lives.