@inbook{10.7758/9781610445887.5,
 ISBN = {9780871540782},
 URL = {http://www.jstor.org/stable/10.7758/9781610445887.5},
 abstract = {There are many reasons to be interested in the assets and liabilities held by American households. Net worth, the difference between assets and liabilities, can be used to maintain living standards when families are hit with adverse employment, income, or health shocks. These resources may provide the critical buffer that allows a poor family to fix a broken car and remain employed, find help in caring for a sick child, or move out of a dangerous neighborhood. Net worth may allow families to take advantage of investment opportunities, such as pursuing further education. Many families need to accumulate net worth},
 author = {John Karl Scholz and Ananth Seshadri},
 booktitle = {Insufficient Funds: Savings, Assets, Credit, and Banking Among Low-Income Households},
 pages = {25--65},
 publisher = {Russell Sage Foundation},
 title = {The Assets and Liabilities Held by Low-Income Families},
 year = {2009}
}