EPIC targets one consequential consumer finance issue at a time to investigate in depth.

The Issues

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Jacob Hacker | Yale Institution for Social and Policy Studies

“What we need doesn’t exist yet – policies that provide broad stop-loss protection against catastrophic costs for medical care, long-term care, temporary disability, and other defined risks.”

The Issues

● Current Issue

🔗 THE ISSUE

A growing body of research shows that month-to-month income fluctuates wildly for low-and moderate-income Americans. This unpredictable income significantly impacts the financial lives of these individuals making it hard for them to meet monthly expenses, save, pay down debt, qualify for a loan, or handle a major unexpected expense.

● Next Issue

🔗 THE ISSUE

Launching in early June 2017—This inability to meet basic needs with income from labor, transfers, and other sources makes it difficult to maintain emergency savings and…” to “Launching in early June 2017—Households rely on credit to get by, often because savings are insufficient, creating serious challenges to their ability to make ends meet.

EPIC
INCOME VOLATILITY|CONSUMER DEBT

Income volatility is not a discrete, boutique problem. It's a new normal for American households.

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