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Policy and Practice: How to Build Long-Term Financial Wellness

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An evidence-based conversation about how to build long-term financial wellness.

We know that liquid assets provide a safety net for short-term financial well-being, but how can we transition from short-term financial stability to longer-term financial health?

On August 5, 2021, AARP and the Social Policy Institute at Washington University in St. Louis held a conversation about evidence-based factors that contribute to improving long-term financial well-being.

Researchers Jeremy Burke, Stephen Roll and Emily Gallagher shared their findings on the mitigation effect of liquid assets during a financial shock, the leading factors that contribute to long-term financial stability, and programs, policies, and behaviors that could support long-term financial wellness. Hector Ortiz, senior policy analyst with the Consumer Financial Protection Bureau, moderated a conversation with the researchers following their presentations, including an opportunity for question and answer with the attendees.

Watch the recording of this important conversation about current research identifying much-needed opportunities for future exploration about how to build longer-term financial health.


  • Catherine Harvey, senior policy advisor, AARP Public Policy Institute
  • Jeremy Burke, research scientist, Dornsife Center for Economic and Social Research, University of Southern California
  • Stephen Roll, research assistant professor, Social Policy Institute at Washington University in St. Louis
  • Emily Gallagher, assistant professor of finance, University of Colorado Boulder
  • Hector Ortiz, senior policy analyst, Consumer Financial Protection Bureau

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