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Building Emergency Savings Through Employer-Sponsored Rainy Day Savings Accounts

John Beshears, James Choi, J. Mark Iwry, David C. John, David Laibson, Brigitte C. Madrian, October 2017

This working paper outlines three approaches to building short-term savings through employer-based accounts.

Financial Health for All Ages

Debra B. Whitman, PhD — May 2017

AARP’s Chief Public Policy Officer Debra Whitman calls for a holistic approach to financial security that meets Americans’ needs at every stage of life.

Liquid Savings of Working Households Ages 50–64

Catherine Harvey and William Shiflett — May 2017

A third of pre-retirees have less than $2,000 in liquid savings, which is the cost of a typical worst-case financial shock.


Savings Innovation Forum

On May 4, 2017, AARP’s Public Policy Institute hosted a Savings Innovation Forum to consider how to accelerate promising strategies to expand saving among low- and moderate-income households. This unique gathering sparked conversation between veterans of the asset building field and emerging service providers and thought leaders about opportunities to improve the nation’s financial health. Participants discussed new approaches that bridge sectors, consider short- and long-term savings horizons, and put people at the center of product and program design.

How employer-sponsored rainy day savings accounts can help workers prepare for emergencies

On October 26, 2017, the Retirement Security Project at the Brookings Institution hosted a discussion on the practical considerations and challenges of employer-sponsored rainy day savings accounts. This was a discussion based on a working paper co-authored by leading behavioral economists from Harvard and Yale and AARP Public Policy expert David C. John.

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Susan Reinhard is senior vice president and director of AARP Public Policy Institute. Read her latest blogs on family caregiving, healthy living, nursing and more. Read Susan's Blogs