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NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to 2001. Key Findings:

This report reveals the extent of credit information “mission creep,” examines troubling shortcomings in the for-profit credit reporting industry, and recommends common sense steps to reform the credit reporting system.

Why over a lifetime, 401k fees can cost a median-income two-earner family nearly $155,000 and consume nearly one-third of their investment returns.

In February and March 2012, Demos surveyed a nationally representative sample of 997 low- and middle-income American households who carried credit card debt for three months or more.

How Raising Wages Would Benefit Workers, the Industry and the Overall Economy

How Our Tax Dollars Are Funding Low-Wage Work and Fueling Inequality

In the wake of the worst effects of the Great Recession, African Americans, like Americans as a whole, are getting their balance sheets in order and paying down credit card debt. But new research from Demos’ National Survey on Credit Card Debt of Low-and Middle-Income Households finds that African Americans face challenges to their financial security that are unlike those of white households.

Extreme wage gaps within the fast food industry has made its sector the most unequal in the American economy

We don’t only have a jobs deficit in this country. We have a deficit of good jobs. Here's why.

"We know this: the super rich and corporations don’t need a tax cut. The 1 percent are doing just fine."

The fast food industry is the main driver of compensation inequality in the most disparate sector of the economy, with a CEO-to-worker pay ratio in 2013 of over 1000-to-1.

The Department's proposed "EAP Rule" fails to sufficiently safeguard working people.

One New York State bill would interrupt the cycle of discrimination that comes with employment credit checks.

The American Society of Civil Engineers has graded our infrastructure a D+, poor and at risk. Congress must act.

Empirical data showing policymakers, organizers, and progressives that there is clear public support for the notion that racism is a divide-and-conquer tactic creating distrust, undermining belief in government, and causing economic pain for everyone, of every color.

Methodology: Demos sponsored an online survey among 1,536 registered voters, conducted June 5 to June 14, 2017. The research included a base sample of registered voters and, for deeper analysis, oversamples of working-class African Americans, working-class Hispanics, working-class white Obama-to-Trump voters, and progressives, defined as people of all races who identify as extremely or somewhat liberal. The data in this survey is weighted by standard weights to make it fully representative. 

Climate change poses a tremendous threat to Florida. Sea level rise, more intense precipitation, and stronger hurricanes increase the risk of natural disaster and imperil the state’s economy and its citizens’ safety.

Why, without swift and bold action to mitigate climate change, Nevada will grow more and more vulnerable to potentially severe economic impacts.

Climate change threatens serious harm to Virginia’s economy, its people and its treasured natural resources.

While GDP has been steadily increasing, indicating a growing economy, other metrics of progress show a very different picture.