A Fragile Balance examines strategies to promote emergency savings, especially among underserved households. Each chapter is by an expert contributor and proposes an innovative financial product or service designed to bolster emergency savings among low-asset families. This collection also offers readers insights into the role of emergency savings and mechanisms to facilitate savings behaviors, and raises critical questions of the scale, institutional capacity, sustainability, accessibility, and effectiveness of existing programs.
J. Collins
Emergency savings household finance financial well-being financial services financial capability financial fragility Debt Management management Rating strategy investments and securities
“A Fragile Balance is a must-read for individuals working with low-income consumers. … this book provided a nice summary of the research to date on saving initiatives for low to moderate income households. … The book is especially beneficial to community organizations wanting to help grow the emergency savings of low to moderate income households. … I highly recommend this book for anyone working with low to moderate income households!” (Sonya L. Britt, Journal of Family and Economic Issues, Vol. 37, 2016)