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A new study by Demos finds that one-fifth of middle-class families are living paycheck to paycheck, with little margin of security.

New York, NY — Fewer than one in three middle-class families in America is financially secure, and the remaining majority are either borderline or at high risk of falling out of the middle class altogether, according to a new study published this week by Demos and the Institute for Assets and Social

New York, NY — American families are using credit cards to bridge the gaps created by stagnant wages and higher costs of living and balances have grown dramatically since 1989, according to a new report published today by Demos. Borrowing to Make Ends Meet: the Rapid Growth of Credit Card Debt in

New York, NY — Everyday, millions of Americans struggle to find affordable medical care for themselves and their families, often leading to long-delayed treatment of illness and financial ruin. In SICK: The Untold Story of America's Health Care Crisis, and the People Who Pay the Price (HarperCollins

New York, NY — As health care costs continue to rise faster than incomes, families are turning to credit cards to pay for medical care, according to new research by Demos and the Access Project. The public policy groups published the findings today in a report entitled "Borrowing to Stay Healthy

Senior Fellow Algernon Austin writes about the soaring cost of college tuition and the graduation rates of of low-income and minority students.

New York, NY — Today's young adults are feeling the full, deep impact of a massive shift in the US economy, and are no longer able to start and sustain a family, build a career and grow assets in the same manner as the previous generation, according to a new report series published today by Demos, a

New York, NY — Homeowners have been tapping into their home equity to get the cash needed to pay down credit card debt incurred not for luxury expenses, but for basic needs. This strategy leaves them on precarious financial footing after two years of interest rate hikes and the largest drop in home

Senior Fellow Algernon Austin and Jared Bernstein discuss how the "bad culture" arguments about African-Americans are misguided at best and destructive at worst. By creating an erroneous causal link between "bad culture" and black poverty, the "Cosby consensus" prevents the country from recognizing

New York, NY — Economic Opportunity and a healthy democracy should be central focuses of America's political debate, according to a new policy briefing book published today by Demos: A Network for Ideas & Action, a national, non-partisan public policy, research and advocacy organization.