Whose Bad Choices? - Prosperity Now
Transcript of Whose Bad Choices? - Prosperity Now
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Whose Bad Choices?How Policy Precludes Prosperity and What We Can Do About ItFebruary 6, 2018
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Today’s Speakers
Kristin Lawton
Director of Communications
@krislawt
Andrea Levere
President
@ALevere
Kasey Wiedrich
Director of Applied
Research
Solana Rice
Director of
State & Local Policy
@SolanaRice
Jeremie Greer
Vice President of
Policy & Research
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▪The webinar is being recorded and will be available online.
▪The webinar is being recorded and will be available online.
▪Ask a question or make a comment at any time by typing it into text box of GoToWebinar Control Panel.
▪Ask questions and send comments through Twitter using #ProsperityNowScorecard.
Housekeeping
Trouble dialing in?
Just listen through
your computer with
speakers or
headphones!
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Prosperity Now Scorecard
Andrea Levere
President
@ALevere
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The Prosperity
Now mission is
to ensure
everyone in our
country has a
clear path to
financial stability,
wealth and
prosperity.
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53 Policy Measures
62 Outcome Measures
21 Disaggregated by Race
14 for People with Disabilities
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2000 2005 2010 2015
2012
CFED begins
publishing the
Scorecard
annually
2005
CFED launches the
Assets &
Opportunity
Scorecard
CFED
publishes the
State Asset
Development
Report Card
2002 July 2017
is a comprehensive resource featuring data on family
financial health and policy recommendations to help
put all U.S. households on a path to prosperity.
Prosperity Now
launches the
Prosperity Now
Scorecard
Prosperity Now
publishes the
2018 Scorecard
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2018 Scorecard Report
▪Poor choices are fueled by state and federal policy barriers
▪Economic trends mask the realities of many
▪Our times demand a bold response
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A conversation
Kasey Wiedrich
Director of Applied
Research
Solana Rice
Director of
State & Local Policy
@SolanaRice
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“I think not having the estate tax recognizes
the people that are investing, as opposed to
those that are just spending every darn
penny they have, whether it’s on booze or
women or movies.”
Sen. Chuck Grassley (R-IA)
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“Americans have choices. And they’ve got to make a
choice. So maybe, rather than getting that new
iPhone that they just love and they want to go
spend hundreds of dollars on, maybe they
should invest that in health care. They’ve got to
make those decisions themselves.”
Rep. Jason Chaffetz (R-UT)
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It’s Easy to Use Credit
Correctly and Pay Off Debt
People Don’t Save Because
They Don’t Want To
People are Poor Because
They Don’t Have a Job
Those With Poor Health
Should Simply Take Better
Care of Themselves
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It’s Easy to Use Credit
Correctly and Pay Off Debt
People Don’t Save Because
They Don’t Want To
People are Poor Because
They Don’t Have a Job
Those With Poor Health
Should Simply Take Better
Care of Themselves
Let People Save
Having Work That
Doesn’t Pay
Borrowing to Get By
High Cost of Poor Health
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Having Work that Doesn’t Pay
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Unemployment Underemployment
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Having Work that Doesn’t Pay
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%
18.0%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Unemployment Underemployment
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Jobs Don’t Cover Cost of Living
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States with 1 in 3 or more Low-Wage Jobs
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
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40% of those experiencing volatility struggled to pay their bills at
least once because of the ups and downs in their incomes.- Federal Reserve Board, Survey of Household Economic Decisionmaking
Income Volatility
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Wealth Isn’t Evenly Distributed
White Households
have roughly the same
wealth as households
of color earning
3Xas much income
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53 Policies
Temporary Aid for
Needy Families
(TANF)
SNAP
LIHEAP
Child and Child
Care Tax Credits
(CDCTC)
Refundable
CDCTC
Debt Collection
Protections
Prize-Linked
Savings
Individual
Development
Accounts (IDAs) Payday Lending
Protections
Car-Title Lending
Protections
High-Cost Installment
Loan Protection
Earned Income
Tax Credit (EITC)
Property Tax
Relief
Retirement Security
Tax Fairness
Tax Prep
RegulationsUnemployment Comp.
Using Prepaid Cards
Microbusiness
Support
Minimum Wage
Paid Leave
Unemployment
Benefits
Unemployed
Entrepreneur SupportWorkforce
Development
First-Time Homebuyer
Assistance
Foreclosure Regulations
Housing Trust
Funds
Post-Foreclosure
Protections
Protection from
Discrimination for
Low-Income Renters
Redeveloping
Foreclosed
Properties
Resident Ownership, Titling
and Zoning of Manufactured
HomesTenant
Protections from
Foreclosure
Limitations on Hospital
Charges, Billing and
Collections
Medicaid Expansion
Children’s Savings
Accounts (CSAs)
Financial Aid for
Postsecondary
Education
Financial Education
in SchoolsFull-Day
Kindergarten
Head Start
State Funding
In-State Tuition for
Undocumented
Students
Postsecondary
Education Funding
Universal Pre-Kindergarten
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Having Work that Doesn’t Pay
16 states and DC
have a minimum
wage that will be
at least
$15 an hour
by 2023
State pre-emption of cities’
minimum wage laws remains an
issue in 25 states including most
recently Iowa and Ohio
OH IA
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11 states and D.C. require employers to offer paid medical, family or sick leave
DC
RI
MA
CT
MD
DE
NJ
VT
NH
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
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29 states and D.C. Boosting Income with EITC
DC
RI
MA
CT
MD
DE
NJ
VT
NH
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
State EITC
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Boosting Income with EITC
Refundable at 15%
State EITC
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
DC
RI
MA
CT
MD
DE
NJ
VT
NH
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People Will Save if We Let Them
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SAVINGS BEHAVIOR
Have Households Saved for Emergencies
or Unexpected Expenses in the Past Year?
SAVINGS BALANCES
Do Households Have Enough Savings to Replace Income at the Poverty Level for Three Months?
Measures of Savings
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Inability to Save
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Few Have Savings Cushion
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Liquid Asset Poverty by Income & Disability Status
OVERALL RATE
HOUSEHOLDS EARNING
BELOW $20,268
HOUSEHOLDS WITH
ADULT WITH A DISABILITY
36.8%
50.3%
71.9%
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Liquid Asset Poverty by Race and Ethnicity
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Tax Benefits of the Tax Cuts and Jobs Act
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Cuts to Assets For Independence that
supported $57 million of asset
purchases
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77% of low-wage workers lack
access to an employer-provided
retirement plan
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5 states are establishing an auto-enrollment retirement account program
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
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Asset Limits are savings penalties for
those that would otherwise qualify for
public benefits
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8 states eliminated asset limits for TANF
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
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Credit and Debt are Powerful Tools that
are Critical to Nearly Every Household’s
Financial Stability
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Percent of Borrowers with Type of Debt
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States with the Highest and Lowest Median Debt
DC
RI
WA
OR
CA
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
ID
$34,476
$39,508
$37,325
$36,970
$18,898
$33,932
$23,364
$21,884
$22,765
$22,711
$1,000 in median debt is
correlated to a 3.21% higher
homeownership rate and
$595 in median net worth
Highest
Lowest
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Access to Credit to Take on Debt
A single
percentage-point
increase is
correlated with a
$5,226 increase
in median debt.
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Access to Credit to Take on Debt
A single
percentage-point
increase is
correlated with a
$5,226 increase
in median debt.
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14.7%of borrowers
are severely
delinquent
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borrowers has an
account in collections
1 in 4
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TXGA
SCALMS LA
1 in 3 or more
borrowers has an account in collections
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We have to help make debt safe and
affordable for all families
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States that Prohibit or Restrict Payday Lending
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
Prohibited
Restricted
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Median Student Loan Debt Has Increased 21% Since 2010
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Severely Delinquent Borrowers
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Having a College Education is Not Enough to Guarantee Many Black and Latino Families
Middle-Class Wealth
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28 States Target Financial Aid to Low- and Moderate-Income Students
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
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19 States Offer In-State Tuition Regardless of Immigration Status
DC
RI
WA
OR
CA
ID
NV
MT
WY
UT
AZ
CO
NM
AK
HI
TX
OK
KS
NE
SD
ND
MN
IA
MO
AR
LA
MS ALGA
FL
SC
NC
TN
KY
ILIN
OH
MIWI
PA
WV VA
NY
ME
MA
CT
MD
DE
NJ
VT
NH
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Uninsured Rate Hit Historic Low in 2016
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CBO estimates
9 Million Peoplewill lose coverage in next decade
Reversing Trends
Adults reporting poor
or fair health status increased in
32 States
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Kentucky, Indiana and 8 states have taken actions to institute
Medicaid work requirements
Actions in States
Maine voters elected to expand Medicaid
KYMEIN
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Questions?
Ask a question or
make a comment
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text box of
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Control Panel.
#ProsperityNowScorecard
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Jeremie Greer
Vice President of Policy & Research
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ProsperityNow.org/advocate
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Questions?
Ask a question or
make a comment
by typing it into
text box of
GoToWebinar
Control Panel.
#ProsperityNowScorecard
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Scorecard.ProsperityNow.org:new data & new features!
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New Comparison Reports
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Local Data
Local Data for Cities,
Counties and Metro
Areas will be updated
in 2018
Look for the
Announcement!
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Continue the Conversation#ProsperityNowScorecard
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Regional Listening Sessions
February 15
12pm MST
February 21
11:30am PST
February 27
12pm MST/
1pm CST
February 13
2:30pm EST
February 16 2pm CST/
3pm ESTFebruary 26
1:30pm CST/
2:30pm ESTFebruary 22
1:30pm CST
March 2
1pm CST/
2pm ESTFebruary 12 2pm EST
Alaska & Hawaii, email:
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Upcoming Events
Stay tuned for in-depth conversations on Scorecard topics
this spring!
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Join us September 5-7 for the Prosperity Summit
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✓Visit scorecard.prosperitynow.org
✓Sign up for a campaign
✓Visit our events page
✓Contact us for a Scorecard webinar or presentation
Action Steps
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Thank you!