CFED’s Resource Directory is not only home to all of CFED’s publications, but also an extensive library of the latest tools, research and resources on asset building and expanding economic opportunity developed by the field. You can view the resources several different ways; publications published by CFED, resources sorted by topics/issue areas or perform a customized search of the complete library. The Directory is a work in progress so visit regularly for updates and new resources. If you would like to submit a resource to this directory, please email firstname.lastname@example.org.
Financial stability depends on emergency or “rainy day” savings, but a near-majority of Americans lack even a modest amount of rainy day savings. The Earned Income Tax Credit (EITC) is one of the most impactful programs for low-wage workers. While the EITC was not created to boost savings, it often functions as an imperfect, make-shift savings tool. This paper makes the case for a “Rainy Day EITC,” a policy reform to strengthen the EITC as a financial security tool. The program would allow taxpayers to defer 20% of their EITC for six months and receive a modest savings match for doing so.
"Investing in Dreams: A Blueprint for Designing Children’s Savings Account Programs" is an interactive guide to help organizations, cities, counties and states design successful CSA programs. This resource reflects the latest thinking on successful design and implementation of CSA programs from CFED and the many practitioners, researchers, funders and others who have helped shape this field. While all CSA programs share common elements, each individual program is tailored to meet local priorities and work with available resources. "Investing in Dreams" helps you create your own customized CSA program by taking you step-by-step through the process of designing and launching a program. It contains a host of valuable resources, tools and information throughout, such as a budget calculator to help you estimate the cost of your program and “In Action” examples from various CSA programs.
To deepen our understanding of the financial situations facing grandfamilies, particularly those in low- to moderate-income households, Citi Community Development convened Generations United and CFED to interview grandparent caregivers. The purpose of these interviews was to gain an understanding of grandfamilies’ individual household finances, including how they earn and spend money, what financial products they use to transact and store money, what challenges they face and what strengths they draw upon. Their stories open a discussion about how organizations that offer social or financial services to grandfamily caregivers can help build financial stability and increase mobility for these multi-generational families.