CFED Scorecard

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The 2016 Assets & Opportunity Scorecard includes a wealth of publications and tools created to help make the Scorecard even more accessible and useful to policy advocates.

Blog & Newsletter Content

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Sample Blog Post/Newsletter Copy Highlighting Scorecard Data

New Data Show Millions of Families Face Steep Uphill Climb to Real Financial Security

Seven years since the official end of the Great Recession, many economists agree that America’s agonizingly slow financial recovery is finally complete. But even though the national unemployment rate has remained steady at five percent in recent months, it’s clear to many families that the widespread economic prosperity of the past is just that—a thing of the past. As President Obama remarked in his final State of the Union address, the economy has been changing in profound ways, and the impact on household finances have been similarly profound. These impacts on hardworking families show there is still much work to be done to build the opportunity economy we want and need.

Today, as CFED's recently released 2016 Assets & Opportunity Scorecard illustrates, financial vulnerability is the norm. And for those who were just scraping by before the recession, the struggles have only deepened. Across the US, millions of low- and moderate-income people live paycheck to paycheck with no prospect of saving for a more prosperous future.

The situation is especially dire for households of color, which are more than twice as likely as white households to live below the federal poverty level and 1.7 times more likely to lack liquid savings.

Why are so many households living in such a financially precarious position? Findings from the Scorecard reveal some answers:

The fact is that making ends meet on a modest income involves regularly juggling a series of complex choices—often “robbing Peter to pay Paul”—just to manage week-to-week finances. As a result, these families have little chance of finding their financial footing.

However, as grim as these numbers are, there are numerous tested solutions that can be leveraged to help build an opportunity economy in which everyone has the chance to succeed. Take the Earned Income Tax Credit (EITC)—the most effective anti-poverty program in the country. The EITC increases the incomes of hard-working families struggling to cover basic expenses and enables families to start saving for a more secure financial future—and policymakers on both sides of the aisle agree that it works. It is time to expand policies—at the federal, state and local levels—that work to increase financial security and reduce inequality.

For more about policies that help to build an opportunity economy, and for a full analysis state- and national-level outcome and policy data across 130 different measures, visit

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