This article advances a couple-level framework to examine how parenthood shapes within-family gender inequality by education in three countries that vary in their normative and policy context: the United States, Germany, and the United Kingdom. We trace mothers’ share of couple earnings and variation by her education in the 10-year window around first birth, using long-running harmonized panel surveys from the 1990s and 2000s ( N = 4,117 couples and 28,488 couple-years) and an event study methodology that leverages within-couple variation in earnings pre- and post-birth. Our results show steep declines in her share of couple earnings following first birth across the three countries that persist over several years of follow-up. Declines are smallest in the United States, due to U.S. mothers’ higher employment and longer work hours. Declines are also smaller among female partners without a college degree in the United States, where mothers have less work-family support and fewer options to manage work and family on one income. Results shed light on how parenthood plays into gender inequality within couples, and how country context shapes couple dynamics and inequality across households.
Objective This study examines variation in young adults' transitions to financial independence and the relationship between these transitions and financial security. Background Individuals rely on their families for substantial financial support well into early adulthood, even as young adults perceive independence as a key marker of adulthood. Given known variation in transitions to adulthood and unequal exposure to financial precariousness across social groups, the authors ask whether heterogeneity emerges with regards to the timing of financial independence and types of support received and how differences in pathways to independence may matter for financial security later in young adulthood. Method The authors estimate group‐based trajectory models of four indicators of financial independence for 1,719 young adults from age 18 to 27 using data from the 2005 to 2015 Panel Study of Income Dynamics. These trajectories are then used to estimate predicted levels of financial security at the end of the study period using logistic and linear regression analysis. Results The results show that paths to young adults' financial independence are best characterized by four types of trajectories: consistently independent (23%), quickly independent (41%), gradually independent (23%), and consistently supported (13%), with types and duration of support varying substantially across trajectories. The authors find that young adults experiencing trajectories characterized by lower levels of familial support also report higher levels of financial insecurity by the end of the survey. Conclusion The findings suggest that the patterning and timing of financial independence in the transition to adulthood has implications for early adult financial well‐being.
Objective: This study examines variation in young adults’ transitions to financial independence and the relationship between these transitions and financial security. Background: Individuals on their families for substantial financial support well into early adulthood, even as young adults perceive independence as a key marker of adulthood. Given known variation in transitions to adulthood and unequal exposure to financial precariousness across social groups, the authors ask whether heterogeneity emerges with regards to the timing of financial independence and types of support received, and how differences in pathways to independence may matter for financial security later in young adulthood.Method: The authors estimate group-based trajectory models of four indicators of financial independence for 1,719 young adults from age 18 - 27 using data from the 2005-2015 Panel Study of Income Dynamics (http://psidonline.isr.umich.edu/). These trajectories are then used to estimate predicted levels of financial security at the end of the study period, using logistic and linear regression analysis. Results: Results show that paths to young adults’ financial independence are best characterized by four types of trajectories: Consistently Independent (23%), Quickly Independent (41%), Gradually Independent (23%), and Consistently Supported (13%), with types and duration of support varying substantially across trajectories. The authors find that young adults experiencing trajectories characterized by lower levels of familial support also report higher levels of financial insecurity by the end of the survey. Conclusion: The findings suggest that the patterning and timing of financial independence in the transition to adulthood has implications for financial wellbeing.
Civil legal problems are common in everyday life, but the costs of obtaining legal representation create barriers to legal action and contribute to disparities in access to justice. Some individuals, however, may have informal access to legal assistance through personal network ties with lawyers, enhancing their responses to justiciable problems. In this study, we draw from theories of social capital and network formation to examine the distribution and mobilization of network‐based legal expertise. Using nationally representative survey data, we find that network‐based access to lawyers is widespread, and most people who have ties to lawyers expect to informally mobilize legal assistance when facing a problem. But people who are most likely to afford formal legal representation are also most likely to have informal access to lawyers. Thus, while informal access to lawyers may shape responses to legal problems, it may also exacerbate inequalities in experiences with civil justice events.
Banks have financially supported payday lenders for decades. In this article I qualitatively demonstrate how these financial relationships have reinforced and expanded a bifurcated consumer credit market, and why these relationships matter for consumer access to financial services. I use archival financial documents
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