The Financial Diaries (häftad)
Format
Häftad (Paperback / softback)
Språk
Engelska
Antal sidor
256
Utgivningsdatum
2018-10-30
Utmärkelser
Winner of 2018 Silver Medal in Economics, Axiom Business Book Awards 2018
Förlag
Princeton University Press
Originalspråk
English
Illustrationer
14 b/w illus.
Dimensioner
203 x 133 x 19 mm
Vikt
226 g
Antal komponenter
1
ISBN
9780691183145
The Financial Diaries (häftad)

The Financial Diaries

How American Families Cope in a World of Uncertainty

Häftad Engelska, 2018-10-30
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The ideal of the American Dream seems increasingly out of reach, even for many families who are trying to do everything right. To find out why, Jonathan Morduch and Rachel Schneider followed 235 low- and middle-income families as they navigated a year of ups and downs. Through the groundbreaking US Financial Diaries project, we meet real people, from a casino dealer to a street vendor to a tax preparer, who open up their lives and reveal a world of financial uncertainty. For these families, even limited financial success requires imaginative-and often costly-coping strategies: forming saving clubs, borrowing from relatives, strategizing about skipping bills, and devising ways to keep money just out of easy reach. In The Financial Diaries, Morduch and Schneider challenge popular assumptions about how Americans earn, spend, borrow, and save. This book uncovers deeper causes of distress and inequality, starkly illustrating how changes in America have placed too much risk on the wrong shoulders. The authors describe new tools and policies-from fin tech apps that help people manage money to laws that guarantee predictable hours-that will improve stability for those who need it most.
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"Winner of the 2018 Silver Medal in Economics, Axiom Business Book Awards" "2018 Silver Medal Winner in Finance/Investment/Economics, Independent Publisher Book Awards"

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Övrig information

Jonathan Morduch is professor of public policy and economics at the New York University Wagner Graduate School of Public Service. He is the coauthor of Portfolios of the Poor (Princeton), among other books. Rachel Schneider is the Omidyar Network Entrepreneur-in-Residence at the Aspen Institute and a senior advisor at the Center for Financial Services Innovation.

Innehållsförteckning

Acknowledgments ix Introduction: A Hidden Inequality 1 Worlds of Uncertainty 1 Earning 21 2 Spending 47 3 Smoothing and Spiking 65 How Families Cope 4 Saving 87 5 Borrowing 110 6 Sharing 130 New Ways of Seeing 7 Sometimes Poor 151 8 Secure and in Control 168 Notes 179 Bibliography 203 Index 225