A Fragile Balance: Emergency Savings and Liquid Resources by J. Collins

By J. Collins

A Fragile stability examines thoughts to advertise emergency mark downs, in particular between underserved households.

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Additional resources for A Fragile Balance: Emergency Savings and Liquid Resources for Low-Income Consumers

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Hanna, and Kyoung Tae Kim. 2013. “Which Households Have Adequate Emergency Funds After the Great Recession? ” Paper presented at the Annual Meeting of the Academy of Financial Services, October 17, 2013, Chicago, IL. Hong, Gong-Soog, and Y. Emily Kao. 1997. ” Journal of Family and Economic Issues 18 (2): 127–145. , and Y. Regina Chang. 1997. ” Financial Counseling and Planning 8 (1): 37–46. , and R. Widdows. 1985. ” In The Proceedings of the American Council on Consumer Interests 31st Annual Conference, ed.

Median (p50) in parentheses. Source: Author’s calculations using SCF 2010. 2 This compares to an actual average savings amount of $5,135 and total financial assets of any kind of $38,189. Median savings account balances among households with annual incomes below $20,000 are less than $500, and median measures of financial assets are only $860. Only 32 percent of low-income households saved in the last year, and just 41 percent feel they could obtain $3,000 in an emergency—less than half the level of high-income households.

2014–2019 is projected spending. Tax expenditures include: preferential rate on capital gains and dividends, stepped-up basis at death, exclusion of interest on state and local bonds, carryover basis of capital gains on gifts, and deferral of interest on US savings bonds. Source: Office of Management and Budget data compiled by the National Priorities Project (2014). Historical and Projected Growth of Tax Expenditures The total cost of these programs has increased greatly in the last several years, and it is projected to grow rapidly in the next few years.

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