Study Results
The study team has not published outcome measurements, participant flow, or safety data for this trial yet. Check back later for updates.
Basic Information
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ACTIVE_NOT_RECRUITING
NA
300 participants
INTERVENTIONAL
2022-11-01
2025-07-30
Brief Summary
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Detailed Description
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Conditions
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Study Design
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RANDOMIZED
CROSSOVER
PREVENTION
DOUBLE
The investigators and the senior biostatistician running the final model will be masked to treatment arm.
Study Groups
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Cash now
Participants allocated to the "cash now" arm will receive a $500/month Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) and no GI in the second twelve months of follow-up (Phase 2).
Guaranteed Income
Monthly cash transfer of $500 per month for 12 months.
Peer learning circles
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach. My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Financial coaching
Participants can opt-in to receive financial coaching sessions with a trained financial mentor. Meetings will occur monthly and typically include six one hour sessions. The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
Cash in a year
Participants allocated to the "cash in a year" arm will receive no Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) but will receive a $500/month GI in the second twelve months of follow-up (Phase 2).
Guaranteed Income
Monthly cash transfer of $500 per month for 12 months.
Peer learning circles
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach. My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Financial coaching
Participants can opt-in to receive financial coaching sessions with a trained financial mentor. Meetings will occur monthly and typically include six one hour sessions. The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
Interventions
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Guaranteed Income
Monthly cash transfer of $500 per month for 12 months.
Peer learning circles
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach. My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Financial coaching
Participants can opt-in to receive financial coaching sessions with a trained financial mentor. Meetings will occur monthly and typically include six one hour sessions. The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
Eligibility Criteria
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Inclusion Criteria
* Self-Identify as African American or Black
* Live in a low-income housing tax credit (LIHTC) qualified census tract (QCT) in San Francisco or Oakland. Youth who are homeless or marginally housed in San Francisco and Oakland are also eligible; those who are marginally housed will need a letter from a youth agency that can affirm their marginal housing status.
* Must not be currently enrolled in another GI project
* Must have lived in the US for at least 3 years.
* Must provide informed consent
Exclusion Criteria
* Lived in the United States for less than 3 years
* Have plans to permanently leave the Bay Area
* Being under the influence of alcohol or other substances at the time of enrollment.
18 Years
24 Years
ALL
Yes
Sponsors
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Oregon Health and Science University
OTHER
MyPath
UNKNOWN
National Institutes of Health (NIH)
NIH
University of California, San Francisco
OTHER
Responsible Party
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Principal Investigators
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Sheri A Lippman, PhD
Role: PRINCIPAL_INVESTIGATOR
University of California, San Francisco
Marguerita Lightfoot, PhD
Role: PRINCIPAL_INVESTIGATOR
Oregon Health & Science University-Portland State University School of Public Health
Margaret Libby, MSW
Role: PRINCIPAL_INVESTIGATOR
MyPath
Locations
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University of California San Francisco
San Francisco, California, United States
Countries
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References
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Lippman SA, Libby MK, Nakphong MK, Arons A, Balanoff M, Mocello AR, Arnold EA, Shade SB, Qurashi F, Downing A, Moore A, Dow WH, Lightfoot MA. A guaranteed income intervention to improve the health and financial well-being of low-income black emerging adults: study protocol for the Black Economic Equity Movement randomized controlled crossover trial. Front Public Health. 2023 Nov 3;11:1271194. doi: 10.3389/fpubh.2023.1271194. eCollection 2023.
Related Links
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Project website