Stephen Roll
United States
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Articles by Stephen Roll
Trump Accounts have a bigger problem than billionaire stock donations Original
Earlier this month, The New York Times reported that White House and Treasury officials have discussed allowing billionaires to donate shares of stock directly into Trump Accounts, the new $1,000 investment accounts created for (most) American children. The idea alarmed many readers. One child’s account might receive stock in the next Nvidia while another receives stock in a future Enron.
Millions of kids are missing out on a big financial gift
Millions of kids are missing out on a big financial gift (washingtonpost.com) Millions of kids are missing out on a big financial gift By Jin Huang; Stephen Roll 2026050410460400 Last year, Congress handed every American child born between 2025 and 2028 one of the most consequential financial gifts in a generation: a $1,000 government seed deposit in a tax-advantaged investment account. The funds, in what are known as Trump Accounts, grow in the market untouched until the child reaches adulthood.
Federal benefits cuts are looming — here’s how Colorado is trying to protect families with children Original
This commentary was originally published by The Conversation. Childhood poverty in the U.S. fell to its lowest level in history in 2021. The fall was largely due to the expanded child tax credit and other COVID-19 pandemic supports that put cash directly in the hands of parents and lifted millions of children out of poverty. Once these safety net changes expired at the end of 2021, childhood poverty rebounded, surging from 5% in 2021 to 13% in 2024.
How Colorado Tries to Protect Families With Children as Cuts to Federal Benefits Loom
Childhood poverty in the U.S. fell to its lowest level in history in 2021. The fall was largely due to the expanded child tax credit and other COVID-19 pandemic supports that put cash directly in the hands of parents and lifted millions of children out of poverty. Once these safety net changes expired at the end of 2021, childhood poverty rebounded, surging from 5 percent in 2021 to 13 percent in 2024.
Federal benefits cuts are looming – here’s how Colorado is trying to protect families with children
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Federal benefits cuts are looming – here’s how Colorado is trying to protect families with children
(The Conversation is an independent and nonprofit source of news, analysis and commentary from academic experts.) Article continues below this ad Once these safety net changes expired at the end of 2021, childhood poverty rebounded, surging from 5% in 2021 to 13% in 2024. While federal anti-poverty initiatives like the child tax credit expansion have stalled, states like Colorado are increasingly leveraging their tax codes to combat poverty.
Federal benefits cuts are looming – here’s how Colorado is trying to protect families with children Original
Childhood poverty in the U.S. fell to its lowest level in history in 2021. The fall was largely due to the expanded child tax credit and other COVID-19 pandemic supports that put cash directly in the hands of parents and lifted millions of children out of poverty. Once these safety net changes expired at the end of 2021, childhood poverty rebounded, surging from 5% in 2021 to 13% in 2024.
To What Extent Did Social Media Use Contribute to Financial Hardship During the COVID‐19 Pandemic?
Conflicts of Interest The authors declare no conflicts of interest. Supporting Information Filename Description joca70037-sup-0001-Appendix.docxWord 2007 document , 44.9 KB Appendix 1. Study sample. Appendix 2. Item correlations for variable “Difficulty making ends meet”. Appendix 3. Sample focal predictors, financial and demographic characteristics. Appendix 4. Coefficients of OLS regressions of financial outcomes on social media use, fear of missing out, and control measures. Appendix 5.
Correction: Coping with COVID-19: Differences in hope, resilience, and mental well-being across U.S. racial groups
The fifth author’s first name is incorrect. The correct name is: Will Ross. Reference 1. Graham C, Chun Y, Hamilton B, Roll S, Ross W, Grinstein-Weiss M. Coping with COVID-19: Differences in hope, resilience, and mental well-being across U.S. racial groups. PLoS One. 2022;17(5): e0267583.
Journal of Consumer Affairs | ACCI Consumer Research Journal | Wiley Online Library
CONFLICT OF INTEREST STATEMENT The authors declare no conflicts of interest. REFERENCES & (2003) What explains early withdrawals from retirement accounts? Evidence from a panel of taxpayers. National tax Journal, 56(3), 595–612. , & (2015) Early withdrawals from retirement accounts during the great recession. Contemporary Economic Policy, 33(1), 1–16. (2011) An introduction to propensity score methods for reducing the effects of confounding in observational studies.
Prevention, resolution, or counseling: Testing three approaches to reducing debt payment delinquencies in a large‐scale field experiment
Supporting Information Filename Description joca12597-sup-0001-Appendix.pdfPDF document, 915.8 KB Data S1. Supplementary information. REFERENCES , , & (2008) Learning in the credit card market. National Bureau of Economic Research. & (2002) Procrastination, deadlines, and performance: self-control by precommitment. Psychological Science, 13, 219–224. (2002) Yielding to temptation: self-control failure, impulsive purchasing, and consumer behavior. Journal of Consumer Research, 28, 670–676.
Disaggregating the Effects of STEM Education and Apprenticeships on Economic Mobility: Evidence From the LaunchCode Program
Skip to main content Intended for healthcare professionals Get full access to this article View all access and purchase options for this article. References Angrist J. D., Pischke J.-S. (2009). Mostly harmless econometrics: An empiricist’s companion. Princeton University Press. Bettinger E., Soliz A. (2016). Returns to vocational credentials: Evidence from Ohio’s community and technical colleges. A CAPSEE Working Paper. Center for Analysis of Postsecondary Education and Employment. Card D. (1999).
Student Debt Forgiveness and Economic Stability, Social Mobility, and Quality-of-Life Decisions: Results from a Survey Experiment
According to a recent report from the Federal Reserve, the national student debt amount in the third quarter of 2023 was over $1.7 trillion spread across over 43 million borrowers (Board of Governors of the Federal Reserve System, 2023). At the same time, roughly four million student loans enter default each year—affecting millions of borrowers and their families (Hanson 2023).
The Child Tax Credit, Educational Investments, and the American Dream: A Moderated Mediation Analysis
Discussion In this two-wave survey of American parents before and after the monthly CTC payments in 2022, we observed several significant trends. Some of these findings are fairly intuitive. For example, a greater proportion of families used the CTC for college savings than tutoring, which resembles the differences in their prevalence in the general population.
Connecting the Dots between Barriers to W.I.C. Access and Adult and Child Food Insecurity: A Survey of Missouri Residents
1. Introduction In the U.S., the Special Supplemental Nutrition Program for Women, Infants, and Children (W.I.C.) aims to improve the health of women, infants, and children younger than five years in lower-income households to support their unique nutritional needs [1]. Research shows that the W.I.C. program positively impacts health outcomes, including a lower risk of infant mortality, a lower risk of obesity, and reduced food insecurity [2,3,4].
Does Frequency or Amount Matter? An Exploratory Analysis the Perceptions of Four Universal Basic Income Proposals
This is an early access version, the complete PDF, HTML, and XML versions will be available soon.
Where Have All the Houses Gone: Private Equity, Single-Family Rentals, and America’s Neighborhoods
On June 28, 2022, Brookings Metro Senior Fellow Jenny Schuetz testified to the U.S. House Committee on Financial Services’ Subcommittee on Oversight and Investigations, during a hearing titled Where Have All the Houses Gone: Private Equity, Single-Family Rentals, and America’s Neighborhoods.
Did the pandemic advance new suburbanization?
The radical social, economic, and employment changes spurred by the COVID-19 pandemic resulted in many people rethinking their living arrangements. These changes substantially affected the U.S. housing market, though not always in the same way. For example, homeowners may have been reluctant to list their properties for sale and home buyers may have been reluctant to shop for homes during the pandemic out of fear of actually catching COVID-19.
The public hearing process for new housing is broken. Here’s how to fix it.
When seeking zoning approvals for new multifamily housing, developers often face a high degree of complexity and uncertainty. Public hearings prioritizing neighbor participation are a big reason for that. In this regard, zoning is fundamentally different from other administrative processes, where citizens can weigh in on the development of generally applicable rules, but cannot veto individual permitting applications.
At Home and on the Brink: U.S. Parents’ Mental Health during COVID-19
Open AccessArticle by Sarah Moreland-Russell 1,*, Jason Jabbari 2, Dan Ferris 2 and Stephen Roll 2 1 Prevention Research Center, Brown School, Washington University in St. Louis, One Brookings Drive, St. Louis, MO 63130, USA 2 Social Policy Institute, Brown School, Washington University in St. Louis, One Brookings Drive, St. Louis, MO 63130, USA * Author to whom correspondence should be addressed.
The Impacts of the 2021 Expanded Child Tax Credit on Family Employment, Nutrition, And Financial Well-Being
The 2021 temporary expansion of the child tax credit (CTC) was unprecedented in its reach, lifting 3.7 million children out of poverty as of December 2021. It provided families with up to $3,600 for every child in the household under the age of six, and up to $3,000 for every child between the ages of 6 and 17. Half the credit was issued monthly between July and December, 2021. Almost all middle- and low-income families with children were eligible for the CTC.
On the credibility of public statistics from Al-Sisi's Egypt
Official Egyptian social and economic data do not provide a reliable picture of the reality of life within the country due to numerous irregularities, but they are mostly uncritically adopted by external actors, write Stephen Roll & Salima Batsi. Since coming to power in 2014, the Sisi regime's official statistics paint a different picture to the reality on the ground in Egypt [Getty] Egypt has so far fared extremely well in the Covid-19 pandemic - at least according to their official figures.
Enjolivées et falsifiées, les statistiques publiques dans l'Égypte d'Al-Sissi
Les données sociales et économiques officielles égyptiennes ne donnent pas une image fiable de la réalité de la vie dans le pays. Elles comportent de nombreuses irrégularités. Et pourtant, le plus souvent, elles sont adoptées sans examen critique par les acteurs extérieurs. Septembre 2016. Christine Lagarde, directrice générale du FMI, et le président Abdel Fattah Al-Sissi Traduit de l’anglais par Pierre Prier. Jusqu’à présent, l’Égypte s’est extrêmement bien comportée face à la pandémie de Covid-19.
The new child tax credit does more than just cut poverty
With COVID-19’s disruptions in employment, child care, and education, it is unsurprising that child poverty substantially increased in 2020—roughly 1.2 million more children were living in poverty in 2020 when compared to 2019 (an increase from 15.7% to 17.5%).
Student debt forgiveness would impact nearly every aspect of people’s lives
Though the emergency relief measures passed in response to the COVID-19 pandemic allowed student loan borrowers to defer their loan payments, student loan debt burdens still loom large for millions of U.S. households. According to the Federal Reserve, the national student debt level in the fourth quarter of 2020 was $1.7 trillion spread across 45 million borrowers—the highest level on record.
Enrollment and participation trends in Israel’s universal child development account program
Savings and assets play an important role in shaping the financial security of individuals and families. Accumulation of sufficient assets can help households manage their day-to-day expenses, cope with financial emergencies, make long-term investments like higher education and homeownership, and can ultimately facilitate intergenerational economic mobility. One way to help families build long-term assets is by offering Child Development Accounts (CDAs).
Did CARES Act benefits reach vulnerable Americans? Evidence from a national survey
By now the economic impacts of the COVID-19 pandemic are well known. Either you are one of the tens of millions of Americans who has filed for unemployment in the last six months, or you’ve read about the impact on the stock market, hiring, business closures, and functionally every other economic indicator there is.
COVID-19 job and income loss leading to more hunger and financial hardship
A startling indicator of the economic impact of COVID-19 is that unemployment rates reached the highest level since the Great Depression in April. As a result, claims for unemployment benefits have risen dramatically, though millions of people who have lost their jobs have been unable to apply or have had trouble applying for this benefit. Yet these figures do not reveal the extent to which households are struggling financially as a result of a COVID-19 related job loss.
Resilience in the face of a pandemic: COVID weighs unevenly across racial lines
The COVID-19 pandemic was an exponential shock to much of the U.S., and exposed deep vulnerabilities across our fragmented health care system and levels of income. We know that African Americans who suffer from racial and income inequalities, also suffered disproportionately from COVID-19 incidences and mortality. Predominantly Black counties have COVID-19 infection rates that are nearly three times higher than that of predominantly white counties.
Well-being and mental health amid COVID-19: Differences in resilience across minorities and whites
The COVID-19 pandemic was an exponential shock to much of the U.S. population and also exposed deep vulnerabilities associated with our fragmented health care system and our extreme income inequality. African Americans, for example, who suffer from racial as well as income inequalities, also suffered disproportionately from COVID-19 incidence and mortality. Predominantly black counties have COVID-19 infection rates that are nearly three times higher than that of predominantly white counties.
Financial well-being: Measuring financial perceptions and experiences in low- and moderate-income households
Thirty-nine percent of U.S. adults reported lacking sufficient liquidity to cover even a modest $400 emergency without borrowing or selling an asset, and 60 percent reported experiencing a financial shock (e.g., loss of income or car repair) in the prior year. While facing precarious financial situations may leave households unable to manage essential expenses and plan for the future, the research also suggests that U.S. households report feeling optimistic about their finances.
Obamacare has Benefits that Extend Beyond the Hospital-and into Housing
Landlords across America should be cheering for Obamacare, and here's why: Families who get health insurance through the Affordable Care Act are significantly more likely to pay their rent or mortgage. This shows up clearly in our new study of tax and survey data on roughly 5,000 people living near the poverty line. Those who get insurance through the Obamacare marketplaces become delinquent on their housing payments at a rate 15 percent below those who go uninsured.
Obamacare has Benefits that Extend Beyond the Hospital-and into Housing
Landlords across America should be cheering for Obamacare, and here's why: Families who get health insurance through the Affordable Care Act are significantly more likely to pay their rent or mortgage. This shows up clearly in our new study of tax and survey data on roughly 5,000 people living near the poverty line. Those who get insurance through the Obamacare marketplaces become delinquent on their housing payments at a rate 15 percent below those who go uninsured.
Delaying Tax Refunds for Earned Income Tax Credit and Additional Child Tax Credit Claimants
The Protecting Americans from Tax Hikes Act of 2015 requires the IRS to delay tax refunds for taxpayers who claim an earned income tax credit or additional child tax credit on their returns until at least February 15. The delay could help the IRS better check claims for these credits. But this new requirement will delay refunds only for certain low-income tax filers, in particular low-income families with children.
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