When the Kids Live at Home: Coresidence,Parental Assets,and Economic Insecurity

This study uses National Longitudinal Survey of Youth 1979 cohort data from 1994 through 2012 (N = 16,108 person‐years, 4,671 individuals) to investigate how coresidence with adult children influences asset levels among parents. It applies hybrid mixed effects regression models that partition between‐ and within‐person variation to estimate parental savings and financial assets over time and across different households. The results suggest that coresidence with adult children led to decreases in parental assets and savings. In the years in which their children lived at home, parents held 24% less in financial assets and 23% less in savings when compared with the years when adult children were not present. By expanding previous research that shows a relationship between increasing economic insecurity, limited wealth, and the rise in coresidence among young adults, this study also offers broader implications for the interconnectivity of financial hardship across generations.     

THE FRAGILE AMERICAN: Hardship and Financial Troubles in the 21st Century

Rising economic insecurity at the turn of the 21st century made Americans increasingly vulnerable to financial distress. Studies of bankruptcy records show that personal hardships like health problems, divorce, job loss, and income disruption are the major reasons Americans fall into financial ruin. This article uses nationally representative data from the Survey of Consumer Finances to study the relationship between hardship and a range of financial troubles including bankruptcy, default, and credit access. We differentiate this analysis by class, expecting that debt troubles fall especially hard on middle‐income families. Our results show that while the middle class is distinctly vulnerable, multiple financial troubles accompany hardship for all classes.     

Giving Unto Others: Private Financial Transfers and Hardship Among Families With Children

Prior research shows that financial assistance from family and friends is an important source of support for families with children. Research on financial transfers has largely focused on the recipients of transfers, however. In this study, using longitudinal data from the Fragile Families and Child Wellbeing Study (n ～ 16,000 person‐waves), the authors examine the association between the provision of financial assistance to family and friends and material hardship. The results from pooled regression and fixed effects models indicate that providing financial transfers is associated with an increased risk of hardship. The most economically disadvantaged groups, single mothers, those in the bottom income tertile, and Black mothers are the most likely to experience hardship after giving a transfer. These findings have important implications for understanding why families may have difficulty meeting basic and essential needs and how social networks may exacerbate the challenges of escaping poverty and establishing economic self‐sufficiency.     

Pension prospects of minority ethnic groups: inequalities by gender and ethnicity

Minority ethnic groups have low income in later life from private pensions, partly due to shorter employment records in Britain since migration. Yet disadvantage and discrimination in the labour market, as well as differences in cultural norms concerning women's employment, may lead to persistence of ethnic variation in private pension acquisition. Little is known about the pension arrangements made by men and women in minority ethnic groups during the working life. This paper examines the extent of ethnic disadvantage in private pension scheme arrangements and analyses variation according to gender and specific ethnic group, using three years of the British Family Resources Survey, which provides information on over 97,000 adults aged 20-59, including over 5,700 from ethnic minorities. Both men and women in minority ethnic groups were less likely to have private pension coverage than their white counterparts but the extent of the difference was most marked for Pakistanis and Bangladeshis. Ethnicity interacted with gender, so that Blacks showed the least gender inequality in private pension arrangements, reflecting the relatively similar full-time employment rates of Black men and women. A minority ethnic disadvantage in private pension coverage, for both men and women, remained after taking account of age, marital and parental status, years of education, employment variables, class and income. The research suggests that minority ethnic groups - especially women - will be disproportionately dependent on means-tested benefits in later life, due to the combined effects of low private pension coverage and the policy of shifting pension provision towards the private sector.     

Life Events and Delinquency: An Assessment of Event‐Based Stressors and Gender Differences among Adolescents in Mainland China

Studies that test general strain theory in China have primarily focused on poor treatments by others, and few have assessed the influences of stressor events other than negative treatments as antecedents of delinquency. This study assesses both cumulative and relative effects of multiple stressor events including parent marital instability, family financial disruption, health crisis, and romantic dissolution as antecedents of delinquency in mainland China and how these effects may vary by adolescent gender. Data drawn from over 500 middle‐school students from an urban city in China yielded significant observations: Stressful events are related to delinquency after controlling for poor treatments and other common correlates, and event effects are observed both as a composite index and by specific domains. Furthermore, significant gender differences are noted: For boys, delinquency is associated with family financial disruption, parent marital instability, and romantic dissolution. For girls, romantic dissolution and health crisis are associated with delinquency. These results along with others are addressed in light of general strain theory and gender disparity in the sociocultural context of mainland China.     

Family Instability and Material Hardship: Results from the 2008 Survey of Income and Program Participation

This study used longitudinal, nationally representative data from the 2008 Survey of Income and Program Participation to explore how each of six sources of instability (employment shocks, household formation shocks, residential changes, income changes, household size changes, and disability shocks) impacted the key domains of material hardship (food insecurity and medical, housing and essential expense hardship). The study found that income shocks and having a person with a disability join the household were the only consistent triggers for all types of material hardship, and that overall, sources of instability had an asymmetrical impact on material hardship; that is, sources of instability did not help households when they were removed as much as they harmed households when introduced. These results provided a nuanced understanding of the household dynamics that result in economic and family instability in the US and provided new evidence regarding why some households were unable to cover basic needs.     

Financial strain over the life course and health among older adults

This paper focuses on financial strain across the life course as a condition underlying health inequalities observed in later life. The analysis is based on data from 1167 adults 65 years and older collected as part of the 'Aging, Stress and Health Study". Relying on retrospective data about hardship experienced over the life course, we find that long-term financial hardship is reflected in a range of health outcomes at late life, even after controlling for the effects of current financial circumstances. Moreover, the sheer persistence of hardship matters more than its episodic occurrence or timing, so that the health effects of early hardship may be obviated if followed by no further hardship. This pattern offindings is consistent with the notion of allostatic load, the cumulative damage done to health and well-being under the burden of an unrelenting stressor in a critically important life domain.     

Economic Hardship and Psychological Distress in Custodial Mothers

The present research examined the relationship between economic hardship and post-divorce psychological distress of custodial mothers. Economic hardship was measured in terms of: (1)current income level; (2) drop in income; and (3) negative economic events. Drop in income was further subdivided into (a) actual amount of drop; (b) ratio of income post-to pre-separation; (c) per person ration of income; and (d) ratio of income per person corrected for reduced financial needs. The HSCL (Derogatis, 1974) measured psychological distress, while four items from the Divorce Events Schedule for Adults (Braver et al., 1987) measured negative economic events. The subjects were 77 custodial mothers, recently separated and either divorced or seeking a divorce. Results documented both an increase in psychological suffering relative to a random sampleand substantial economic declines (about 30%). Further, there were significant unique relationships between the HSCL and both drop in income and the experience of negative economic events (but not current income).     

STRATEGIC OR NONSTRATEGIC: THE ROLE OF FINANCIAL BENEFIT IN BANKRUPTCY

A partial test for strategic behavior in bankruptcy filing may be formulated by testing whether consumers manipulate their debt and filing decision jointly, or not: that is, testing for endogeneity of financial benefit and the bankruptcy filing decision. Using joint maximum likelihood estimation of an extended discrete choice model, test results are consistent with nonstrategic filing: financial benefit is exogenous to the filing decision. This result is confirmed in two different datasets (Panel Study of Income Dynamics and Survey of Consumer Finances). This result is consistent with an ex ante low net gain from a bankruptcy filing; a type of “rational inattention” to rare events such as bankruptcy. (JEL D12, D14)     

Marriage,Money, and African American Mothers’ Self‐Esteem

This study examined the effects of marital status and family income on the self‐esteem of 292 African American mothers. Counter to previous studies with European American mothers, family income moderated the effects of marital status. Those mothers with higher family income had higher self‐esteem, regardless of their marital status. For those with less family income, married mothers had much higher self‐esteem than unmarried mothers. Low‐income married mothers had the same levels of self‐esteem as high income mothers. It was concluded that financial resources can buffer the effects of being single, and being married can buffer the effects of being low income. Policy initiatives that focus on reducing the financial hardship on single mothers and increasing the marriage rate among lower income parents were also discussed.     

Path Analysis of Welfare Use: Depression as a Mediating Factor

Path analysis was conducted to determine causal effects of life circumstances on depression and effects of these measures on employment and welfare use. Data were from the Welfare and Self-Sufficiency Survey conducted in a metropolitan county of Kentucky. Direct effects indicate that economic hardships and adverse life events increase depression scores and depression reduces earnings and increases welfare use. Indirect effects of economic hardships and adverse life events, through the mediating effects of depression, reinforce depression??s effects on employment and welfare use. The data include measures of life circumstances and depression scores of low-income women; thereby, permitting a path model that uniquely contributes to knowledge regarding the effects of life circumstances and depression on TANF-eligible women??s employment and welfare use.     

Changes in Economic Hardship and Intimate Partner Violence: A Family Stress Framework

While recent studies underscore how financial stress and lack of tangible assets significantly increase the odds of intimate partner violence (IPV) among couples, little is known about these effects over time. Theoretically informed by family stress theory, this study examines the influence of changing subjective reports of economic hardship over time on the risk for IPV. Specifically, we test two hypotheses: (1) change in economic hardship significantly predicts IPV; and, specifically, (2) increased economic hardship or unstable economic conditions increases the risk of IPV. Using longitudinal data from the Fragile Families and Child Well-being Study, we assess the incidence of IPV for 941 women in committed relationships. Results from our logistic regression analyses suggest that after controlling for numerous demographic factors, women who never experienced economic hardship had lower odds of experiencing IPV than those who did. Further, women who experienced high levels of economic hardship over time had the highest odds of experiencing IPV. However, the effects of changing economic hardship on IPV were attenuated once maternal depression and parenting stress were controlled. Results are discussed in terms of practice and policy implications.     

When hard times take a toll: the distressing consequences of economic hardship and life events within the family-work interface

Using two waves of data from a national survey of working Americans (N = 1,122), we examine the associations among economic hardship, negative life events, and psychological distress in the context of the family-work interface. Our findings demonstrate that family-to-work conflict mediates the effects of economic hardship and negative events to significant others on distress (net of baseline distress and hardship). Moreover, economic hardship and negative events to significant others moderate the association between family-to-work conflict and distress. While negative events to others exacerbate the positive effect of family-to-work conflict on distress, we find the opposite for economic hardship: The positive association between hardship and distress is weaker at higher levels of family-to-work conflict. These patterns hold across an array of family, work, and sociodemographic conditions. We discuss how these findings refine and extend ideas of the stress process model, including complex predictions related to processes of stress-buffering, resource substitution, and role multiplication.     

Child Care Arrangements,Division of Household Labor and Other Employment Based Familial Predictors of Marital Adjustment Among Husbands of Employed Females in Pakistan

The primary purpose of the current study was to investigate the influence of division of household labor, child care arrangements, wife’s financial contribution, work-schedule of wife, perception of wife employment and wife’s work preference were contributing to marital adjustment of husbands of working married women. Additionally, it explored the role of wife’s financial contribution, perception of wife’s employment and wife’s work preference in formation of marital adjustment among husbands of working women. The data were collected through a self-structured questionnaire from 283 husbands of employed married women with one year of marital duration and at least one child. The data were collected from the city of Gujrat, province of Punjab, Pakistan. Factor analysis was run for reliability and validity analysis was executed to examine the validity of the existing scales used in the current study. Multiple linear regression analysis was used for model fit. Division of household labor, child care arrangements, wife’s financial contributions, wife’s work-schedule, the perception of wife’s employment, and wife’s work preferences contributed to the marital adjustment of husbands of working married women. Our results seemed to reflect fluctuating dimensions of gender role ideologies among families. Incorporating new predictors of marital adjustment into literature of marriage and family has been a sociological significance of the current study.     

Disabling Employment Interviews: warfare to work

Employment interview research displays a greater concern for refining employment interviews to benefit employers rather than prospective employees. The interviewee's perspective is often overlooked. Further, generally scant attention has been paid to the interview experiences of disabled interviewees. In this paper I present findings from a project that sought to understand disabled interviewees' experiences of employment interviews. My analysis suggests such experiences were dominated by feelings of anxiety and manipulation, particularly when contextualised within contemporary labour market conditions. In this context, I reflect on the need for ethical rather than technical concerns into employment interviews and how innovations in interview techniques may be having a negative affect on interviewees. I further stress the need to reject victim blaming ideologies when researching disabled interviewees' experiences of employment interviews to counter the over emphasis of past research into changing the disabled person rather than the disabling interview environment.     

Extreme Financial Strain: Emergent Chores,Gender Inequality and Emotional Distress

This qualitative study examines the gendered division, and emotional effects, of household financial labor among severely indebted couples prior to filing consumer bankruptcy. Interviews with 19 newly bankrupt couples in Spokane, Washington, illustrate how, before bankruptcy, the peripheral and mundane chore of paying bills transforms into multiple arduous core chores: micro-management of money, debt collector negotiations, and researching and deciding to file bankruptcy. These newly emergent low-control chores are gendered and the wives’ responsibility. Gendering occurs for two reasons. Some women retain responsibility for emergent chores because husbands exhibit financial irresponsibility. Others request their husbands’ assistance, but the men refuse because the financial chores are upsetting or bothersome. Many wives who manage the newly emergent financial chores experience negative emotional effects.     

A Test of the Family Stress Model Using a Remarriage Sample

ABSTRACT

The family stress model delineates the connections between economic hardship, economic pressure, marital interactions, marital quality, and, finally, marital instability. This study evaluated the family stress model in a sample of 661 remarried couples using structural equation modeling. The model was evaluated both within and between spouses. Consistent with the family stress model, marital instability and quality were influenced by economic hardship and pressure through decreased spousal warmth and increased spousal hostility. Implications for remarriage education and counseling are discussed.     

Race,Residence, and Underemployment: Fifty Years in Comparative Perspective, 1968–2017

High underemployment has been a chronic structural feature of the rural United States for decades. In this paper, we assess whether and how inequalities in underemployment between metropolitan (metro) and nonmetropolitan (nonmetro) areas have changed over the course of the last five decades. Drawing on data from the March Current Population Survey from 1968 to 2017, we analyze inequality in the prevalence of underemployment between metro and nonmetro areas of the United States, paying special attention to differences between white, black, and Hispanic workers. Our results show that the underlying risk of underemployment has increased in both metro and nonmetro areas over the last 50 years. Nonmetro workers have consistently faced greater employment hardship compared to their metro counterparts, and these differences cannot be fully explained by differences in population characteristics. Nonmetro ethnoracial minorities have experienced particularly poor labor market outcomes. The disadvantage of ethnoracial minority status and rural residence is especially pronounced for nonmetro black workers, among whom underemployment has remained persistently high with only modest convergence with other workers. Hispanic workers also face an elevated risk of underemployment, but we observe a unique convergence between metro and nonmetro workers within this population.     

Underemployment and depression: longitudinal relationships

We conceptualize employment status not as a dichotomy of working versus not working but as a continuum ranging from adequate employment to inadequate employment (involuntary part-time or low wage) to unemployment. Will shifts from adequate to inadequate employment increase depression as do shifts from employment to unemployment, and to what extent does prior depression select workers into such adverse employment change? We analyze panel data from the National Longitudinal Survey of Youth for the years 1992-1994 for the 5,113 respondents who were adequately employed in 1992. Controlling for prior depression, both types of adverse employment change resulted in similar, significant increases in depression. These direct effects persisted despite inclusion of such potential mediators as changes in income, job satisfaction, and marital status. Marital status buffered the depressive effect of both types of adverse change, but education and job dissatisfaction amplified the effect of unemployment on depression. Prior depression did not predict higher risk of becoming inadequately employed but did predict increased risk of unemployment, particularly for those with less education. These results confirm that both unemployment and inadequate employment affect mental health, and they invite greater efforts to monitor the extent and impact of underemployment.     

Effects of Employment-Based Programs on Families by Prior Levels of Disadvantage

This study examines how welfare and employment policies affect subpopulations of low-income families that have different levels of initial disadvantage. Education, prior earnings, and welfare receipt are used to measure disadvantage. The analysis of data from experiments suggests that employment-based programs have no effects on economic well-being among the least-disadvantaged low-income, single-parent families, but they have positive effects on employment and income for the most-disadvantaged and moderately disadvantaged families. These programs increase school achievement and enrollment in center-based child care of children only in moderately disadvantaged families. The most-disadvantaged families are found to increase use of child care that is not center based. Parents in these families experience depressive symptoms and aggravation. The findings raise questions about how to support families at the lowest end of the economic spectrum.