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Endnotes
1. See Michael Sherraden, Assets for the Poor: A New American Welfare Policy, Armonk, NY:
M.E. Sharpe, Inc., 1991; and Will Marshall and Elaine Ciulla Kamarck, "Replacing Welfare with
Work," in Will Marshall and Martin Schram, editors, Mandate for Change, New York: Berkley
Books, 1993:217-236.
2. Ray Boshara, Overview of the Assets for Independence Act, Washington, DC: Corporation for
Enterprise Development.
3. Ibid.
4. Michael Sherraden et al., Saving Patterns in IDA Programs. Downpayment on the American
Dream Policy Demonstration: A National Demonstration of Individual Development Accounts,
St. Louis, MO: Center for Social Development, Washington University in St. Louis, January
2000.
5. See Statement of Senator Joe Lieberman, Introducing the Savings for Working Families Act
of 2000, February 3, 2000.
6. See Center for Social Development, Policy Considerations for IDAs, St. Louis, MO:
Washington University in St. Louis.
American Dream Demonstration
Participant Characteristics
Gender:
Female
78%
Male
22
Race:
Caucasian
41%
African-American
40
Latino
12
Asian or Pacific-Islander
2
Native American
2
Marital Status:
Single, never married
46%
Married
24
Widowed, divorced, separated
30
Education:
Did not complete high school
15%
High School Diploma or GED
27
Attended College
38
Graduate College
20
Employment:
Full-time
59%
Part-time
25
5
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"ocrText": "Endnotes\n1. See Michael Sherraden, Assets for the Poor: A New American Welfare Policy, Armonk, NY:\nM.E. Sharpe, Inc., 1991; and Will Marshall and Elaine Ciulla Kamarck, \"Replacing Welfare with\nWork,\" in Will Marshall and Martin Schram, editors, Mandate for Change, New York: Berkley\nBooks, 1993:217-236.\n2. Ray Boshara, Overview of the Assets for Independence Act, Washington, DC: Corporation for\nEnterprise Development.\n3. Ibid.\n4. Michael Sherraden et al., Saving Patterns in IDA Programs. Downpayment on the American\nDream Policy Demonstration: A National Demonstration of Individual Development Accounts,\nSt. Louis, MO: Center for Social Development, Washington University in St. Louis, January\n2000.\n5. See Statement of Senator Joe Lieberman, Introducing the Savings for Working Families Act\nof 2000, February 3, 2000.\n6. See Center for Social Development, Policy Considerations for IDAs, St. Louis, MO:\nWashington University in St. Louis.\nAmerican Dream Demonstration\nParticipant Characteristics\nGender:\nFemale\n78%\nMale\n22\nRace:\nCaucasian\n41%\nAfrican-American\n40\nLatino\n12\nAsian or Pacific-Islander\n2\nNative American\n2\nMarital Status:\nSingle, never married\n46%\nMarried\n24\nWidowed, divorced, separated\n30\nEducation:\nDid not complete high school\n15%\nHigh School Diploma or GED\n27\nAttended College\n38\nGraduate College\n20\nEmployment:\nFull-time\n59%\nPart-time\n25\n5"
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