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MyMoney Resources - MyMoney Five
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Agency Owner: Board of Governors of the Federal Reserve System
Document Type: Calculator
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Estimate Your Social Security Retirement Benefits Online. The Retirement Estimator is tied to a person’s actual Social Security earnings records and eliminates the need to manually key in years of earnings information.
Agency Owner: Board of Governors of the Federal Reserve System
Document Type: Tools, Calculator
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Use savings bonds to plan for your financial future.
Agency Owner: Board of Governors of the Federal Reserve System
Document Type: Tools, Calculator
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Increased policy and academic attention has been placed on promoting retirement savings early in the life course. This study investigates the extent to which retirement savings behavior among young persons, a population for which retirement savings is important but typically low, differs by marital status. We draw national survey data on young adult households (ages 22 – 35; N = 3,894) from the U.S. Federal Reserve Board’s Survey of Consumer Finances (SCF). Results reveal considerable differences by marital status. Controlling for important characteristics, young adults who were married were more likely than all other groups (including cohabitors) to perceive retirement as an important savings goal and to have an individual retirement account. Married persons were more likely than their single counterparts to participate in a defined contribution pension plan. Single women fared particularly poorly on retirement savings outcomes. A range of possible theoretical links between marriage and retirement savings at young adulthood are discussed.
Agency Owner: Social Security Administration
Document Type: Peer-reviewed
Information Source: Survey data
Date: 02/01/2012
How the CFPB serves the unique challenges and financial education needs of military service members facing deployment, change of duty stations, and emergencies.
Agency Owner: Consumer Financial Protection Bureau
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Get answers to your financial questions.
Agency Owner: Consumer Financial Protection Bureau
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You have rights when you deal with debt collectors.
Agency Owner: Federal Trade Commission
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Before you pay with plastic, learn the differences between credit, debit, and charge cards, and get tips about how to shop for a credit card.
Agency Owner: Federal Trade Commission
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This article discusses the results of and lessons learnt from the Financial Opportunities Project (FOP), a comprehensive effort by the Center for Economic Progress identify, implement, and disseminate strategies for integrating financial services and asset-building opportunities with community-based tax-preparation services at IRS Volunteer Income Tax Assistance (VITA) sites. The goal of the FOP was that 15 percent of tax clients would take on an asset building service, an improvement from the 8-12 percent take-up rate achieved in past pilot studies by the Center and tests on the take-up of savings matches or Savings Bonds. The Center developed the Asset Building Service Delivery System (ABSDS)—a process-based model for offering asset-building products and services to clients served by community-based programs. The components of the ABSDS include 1) strategic program planning around asset promotion, 2) simplicity in process design, 3) specialization of staff to promote assets, 4) specific and targeted promotional strategies, and 5) customer-focused processes. From the fall of 2008 through the end of the 2009 tax season, the Center oversaw the national launch of the ABSDS and awarded three programs grants to assess the effectiveness and versatility of the op- erational models and programmatic guides of the ABSDS. To the extent programs adapted the model and tested new ideas, this season provided an opportunity to further refine the ABSDS. Overall, take-up rates surpassed expectations, with almost 27 percent of clients enrolled in at least one service. The article provides a more detailed overview of the FOP findings and identifies recommendations for improved delivery of asset building services, concluding that such tax programs can effectively include simple messages and financial education to encourage savings and improve financial management skills.
Agency Owner: Board of Governors of the Federal Reserve System
Document Type: Article
Information Source: Survey data
Date: 09/01/2008
This article provides a brief overview of the field of financial education and explores some of the challenges and potential solutions. The author describes developments in the contemporary financial education movement since the 1990s and the background economic changes
that stimulated its growth; reviews currently available financial education initiatives for youth and adults and discusses the evidence about
its effectiveness as well as broader challenges for the field. The article concludes by highlighting both general and specific examples of efforts to move the field forward.
Agency Owner: Board of Governors of the Federal Reserve System
Document Type: Article
Information Source: Literature review
Date: 09/01/2008