The Net Worth of Female‐Headed Households: A Comparison to Other Types of Households

Martha N. Ozawa · Yong‐Woo Lee

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Financial Literacy, Pension, Retirement Analysis Family Dynamics and Relationships Gender, Labor, and Family Dynamics

Abstract

Abstract: This article presents the results of a study that investigated the level of assets and debts that female‐headed households have in comparison to those of married‐couple households and other types of households. The empirical results revealed that the amounts of net worth of married‐couple households and male‐headed households were significantly larger than that of female‐headed households. We discuss policy implications stemming from the findings of the study and recommend that the United States seriously consider creative policy approaches aimed at empowering low‐income households such as employment‐related supportive policies, microenterprise programs, and Individual Development Accounts programs.

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References

1957Theory of the Consumption Function 1995Precautionary Saving and Social Insurance 1998Gender Differences in the Allocation of Assets in Retirement Savings Plans 1994Precautionary Saving and Social Insurance 2006Recent Changes in U.S. Family Finances: Evidence from the 2001 and 2004 Survey of Consumer Finances 1998Recent Trends in the Size Distribution of Household Wealth 2003Recent Changes in U.S. Family Finances: Evidence from the 1998 and 2001 Survey of Consumer Finances 1990Black-White Differences in Wealth and Asset Composition

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