Today's lower-income households are navigating an increasingly complex and ever-evolving economic world that questions equal access to higher education and the value of a college degree, overemphasizes the roles of credit and debt for achieving economic goals, reveals employment landscapes with often insufficient compensation, and contains tax and policy structures that place them at a disadvantage for acquiring and accumulating wealth. It is within this context that Dr. Friedline conducts research to envision, redefine, and move financial and economic justice with households—particularly for those living in poverty that may be at a competitive disadvantage for navigating this economic world and providing opportunities for their young people. Her research aims to study financial inclusion and access as a bridge to the economic world, an alternative or complement to credit and debt for achieving economic goals, and an opportunity for acquiring and accumulating wealth. Her research has been published in top journals such as Social Service Review, Social Science Research, and Journal of Consumer Affairs and covered by national media including TIME, The Huffington Post, CBS News, and Bloomberg Business News. Dr. Friedline conducts this research as an Assistant Professor at the University of Kansas School of Social Welfare, Faculty Associate within the Center on Assets, Education, and Inclusion, and Research Fellow at New America in Washington, DC. She holds an MSW and PhD from the University of Pittsburgh School of Social Work.
Improving lower-income households' well-being through saving, asset-building, educational attainment, theories on saving, public policy, advanced quantitative analysis
Friedline, T. West, S. Rosell, N. Serido, J. & Shim, S. (in press). A community-level explanation of young adult college students’ credit card debt. American Journal of Community Psychology.
Friedline, T. Despard, M. R., Eastlund, R. & Schuetz, N. (2017). Are banks' entry-level checking accounts safe and affordable?. Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1913/Are_Banks_Entry-Level_Checking_Accounts_Safe_and_Affordable.pdf
Despard, M. Friedline, T. & Refior, K. (2017). Can post offices increase access to financial services? A geographic investigation of financial services availability. . Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1912/Can_Post_Offices_Increase_Access_to_Financial_Services.pdf
Despard, M. & Friedline, T. (2017). Do metropolitan areas have equal access to banking? A geographic investigation of financial services availability. . Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1911/Do_Metropolitan_Areas_have_Equal_Access_to_Banking.pdf
Friedline, T. Despard, M. & West, S. (2017). Investing in the future: A geographic investigation of brick-and-mortar financial services and individuals’ financial health. Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1910/Investing_in_the_Future.pdf
Friedline, T. Despard, M. & West, S. (2017). Navigating day-to-day finances: A geographic investigation of brick-and-mortar financial services and individuals’ financial health. Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1909/Navigating_Day-to-Day_Finances.pdf
Friedline, T. Despard, M. & West, S. (2017). Resilient in the midst of financial change: A geographic investigation of brick-and-mortar financial services and individuals’ financial health. Lawrence, KS: Center on Assets, Education, and Inclusion. https://www.newamerica.org/documents/1908/Resilient_in_the_Midst_of_Financial_Change.pdf
Friedline, T. & Despard, M. (2017). Mapping financial opportunity. Washington, DC: New America. https://www.newamerica.org/in-depth/mapping-financial-opportunity/
Friedline, T. & Kepple, N. (2016). Does community access to alternative financial services relate to individuals' use of these services? Beyond individual explanations. Journal of Consumer Policy. DOI:10.1007/s10603-016-9331-y
Friedline, T. Despard, M. & Chowa, G. (2016). Preventive policy strategy for banking the unbanked: Savings accounts for teenagers? Journal of Poverty, 20(1), 2-33. DOI:10.1080/10875549.2015.1015068
Despard, M. Perantie, D. Taylor, S. Grinstein-Weiss, M. Friedline, T. & Raghavan, R. (2016). Student debt and hardship: Evidence from a large sample of low- and moderate-income households. Children and Youth Services Review, 70, 8-18. DOI:10.1016/j.childyouth.2016.09.001
Friedline, T. & Freeman, A. (2016). The potential for savings accounts to protect young adults from unsecured debt in periods of macroeconomic stability and decline. Social Service Review, 90(1), 83-129.
Friedline, T. (2016). Building bridges, removing barriers: The unacceptable state of households’ financial health and how financial inclusion can help. Lawrence, KS: Center on Assets, Education, and Inclusion. http://aedi.ku.edu/sites/aedi.ku.edu/files/docs/publication/FI/reports/Building%20Bridges%20Removing%20Barriers.pdf
Friedline, T. & West, S. (2016). Young adults' race, wealth, and entrepreneurship. Race and Social Problems, 8(1), 42-63. DOI:10.1007/s12552-016-9163-z
Friedline, T. (2015). A developmental perspective on children's economic agency. Journal of Consumer Affairs, 49(1), 39-68. DOI:10.1111/joca.12062
Friedline, T. Masa, R. & Chowa, G. (2015). Transforming wealth: Using the inverse hyperbolic sine (IHS) and splines to predict youth's math achievement. Social Science Research, 49, 264-287. DOI:10.1016/j.ssresearch.2014.08.018
Friedline, T. & West, S. (2015). Building Millennials’ financial health via financial capability. 30. Lawrence, KS: School of Social Welfare, Center on Assets, Education, and Inclusion. https://static.newamerica.org/attachments/3330-building-millennials-financial-health-via-financial-capability/Millennials_Financial_Health.5a49a18e2eab40a5afd1925ef695a1e0.pdf
Friedline, T. (2014). Extending savings accounts to young people: Lessons from two decades of theory and research and implications for policy. In . (Ed.), The assets perspective: The rise of asset building and its impacts on social policy. New York, NY: Palgrave MacMillan.
Friedline, T. Nam, I. & Loke, V. (2014). Households' net worth accumulation patterns and young adults' financial well-being: Ripple effects of the Great Recession? Journal of Family and Economic Issues, 35, 390-410. DOI:10.1007/s10834-013-9379-7
Friedline, T. & Nam, I. (2014). Savings from ages 16 to 35: A test to inform Child Development Account policy. Poverty & Public Policy, 6(1), 46-70.
Friedline, T. (2014). The independent effects of savings accounts in children’s names on their savings outcomes in young adulthood. Journal of Financial Counseling and Planning, 25(1), 69-89.
Friedline, T. Johnson, P. & Hughes, R. (2014). Toward healthy balance sheets: Are savings accounts a gateway to young adults' asset diversification and accumulation? Federal Reserve Bank of St. Louis Review, 96(4), 359-389.
Friedline, T. & Rauktis, M. E. (2014). Young people are the front lines of financial inclusion: A review of 45 years of research. Journal of Consumer Affairs, 48(3), 535-602. DOI:10.1111/joca.12050
Friedline, T. & Song, H. (2013). Accumulating assets, debts in young adulthood: Children as potential future investors. Children and Youth Services Review, 35(9), 1486-1502. DOI:10.1016/j.childyouth.2013.05.013
Elliott, W. Choi, E. & Friedline, T. (2013). An innovative approach to teaching research methods in social work: Reducing reluctance toward statistics among MSW students. Journal of Social Work Education, 49(1), 81-95. DOI:10.1080/10437797.2013.755095
Friedline, T. Mann, A. & Liberman, A. (2013). Ask the audience: Using student response systems (SRS) in social work education. Journal of Social Work Education, 49(4), 782-792. DOI:10.1080/10437797.2013.812913
Friedline, T. & Elliott, W. (2013). Connections with banking institutions and diverse asset portfolios in young adulthood: Children as potential future investors. Children and Youth Services Review, 35(6), 994-1006. DOI:10.1016/j.childyouth.2013.03.008
Cheatham, G. Smith, S. Elliott, W. & Friedline, T. (2013). Family assets, postsecondary education, and students with disabilities: Building on progress and overcoming challenges. Children and Youth Services Review, 35(7), 1078-1086. DOI:10.1016/j.childyouth.2013.04.019
Elliott, W. Friedline, T. & Nam, I. (2013). Probability of living through a period of economic instability. Children and Youth Services Review, 35(3), 453-460. DOI:10.1016/j.childyouth.2012.12.014
Friedline, T. Elliott, W. & Nam, I. (2013). Small-dollar children's savings accounts and children's college outcomes by race. Children and Youth Services Review, 35(3), 548-559. DOI:10.1016/j.childyouth.2012.12.007
Friedline, T. Elliott, W. & Chowa, G. A. (2013). Testing an asset-building approach for young people: Early access to savings predicts later savings. Economics of Education Review , 33, 31-51. DOI:10.1016/j.econedurev.2012.10.004
Elliott, W. & Friedline, T. (2013). “You pay your share, we’ll pay our share”: The college cost burden and the role of race, income, and college assets. Economics of Education Review, Special Issue: Assets & Educational Attainment: Theory and Evidence. , 33, 134-353. DOI:10.1016/j.econedurev.2012.10.001
Friedline, T. Elliott, W. & Nam, I. (2012). Predicting savings and mental accounting among adolescents: The case of college. Children and Youth Services Review, 34, 1884-1895. DOI: 10.1016/j.childyouth.2012.05.018
Friedline, T. (2012). Predicting children's savings: The role of parents' savings for transferring financial advantage and opportunities for financial inclusion. Children and Youth Services Review, 34(1), 144-154. DOI: 10.1016/j.childyouth.2011.09.010
Friedline, T. & Elliott, W. (2011). Predicting savings for White and Black young adults: An early look at racial disparities in savings and the potential role of Children's Development Accounts (CDAs). Race and Social Problems, 3(2), 99-118. DOI: 10.1007/s12552-011-9046-2
Friedline, T. . (11/30/2016). Designing a research project to inspire policy change: The example of Mapping Financial Opportunity. Lawrence, KS
Friedline, T. & Despard, M. . (09/30/2016). Does community financial opportunity relate to households’ financial inclusion and health? Washington, DC
Friedline, T. . (12/05/2015). Changing the world, one savings account at a time. TEDxUMKC, Big Challenges, Small Solutions. Kansas City, KS
Friedline, T. & West, S. . (06/06/2015 - 06/06/2015). Financial education is not enough: Millennials may need financial capability to demonstrate healthier financial behaviors. The American Marketing Association’s Marketing and Public Policy Conference. Washington, DC
Friedline, T. . (06/05/2015 - 06/05/2015). Building Millennials’ financial health via financial capability. Going (for) broke: Improving the financial health of Millennials and beyond. Washington, DC
Friedline, T. & Freeman, A. . (04/02/2015 - 04/03/2015). The potential for savings accounts to protect young adults from unsecured debt. 2015 Federal Reserve System Community Development Research Conference on Economic Mobility: Research & Ideas on Strengthening Families, Communities, & The Economy. Washington, DC
Friedline, T. . (09/30/2014). A developmental perspective on children's economic agency. Financial Literacy and Education Commission Symposium. Washington, DC
Friedline, T. . (04/30/2014). Making the case: From research to request. CFED Children's Savings Conference. Washington, DC. Available Here
Phipps, Barbara, (Principal), Friedline, Terri, (Co-Principal), Building Financial Self-Efficacy in Low Income Young Children, National Endowment for Financial Education, $135,000, (08/01/2014 - 07/31/2017) . Foundation. Status: Funded.
Friedline, Terri, (Principal), Despard, Mathieu , (Co-Principal), Mapping Financial Opportunity, MetLife Foundation, $240,000, (01/01/2016 - 06/30/2017) . Foundation. Status: Funded.
Friedline, Terri, (Principal), The Relationship between Financial Capability and Young Adults' Financial Behaviors, FINRA Investor Education Foundation, $59,821, (08/01/2014 - 09/30/2015) . Foundation. Status: Funded.