Saving performance in Individual Development Accounts: Does marital status matter?


By bhadmin February 2, 2021

Research indicates that marriage has a large effect on reducing the risk of poverty and is associated with a higher probability of attaining affluence over the life course when compared with nonmarriage. Using data from the American Dream Demonstration (N =2,364), this study compares savings performances of married and unmarried low‐income participants in a matched savings program—Individual Development Accounts. The results indicate that both married and unmarried low‐income participants can save in Individual Development Accounts. After controlling for program and other participant characteristics, there were no significant differences in savings between married and unmarried participants. We further examined possible factors that are associated with Individual Development Account savings performance for these two groups.

Fahs-Beck Scholars

Meet the Scholars

Fahs-Beck Fellows

Meet the Fellows


Our grant programs are changing.


Learn more