Research
Peer-Reviewed Articles
Grooms, J., M. L’Esperance, and T. Smeeding. (2025). “ Social Security Interactions With Child Tax Credit Expansion.” Poverty & Public Policy 0: 1–19. https://doi.org/10.1002/pop4.70047.
L’Esperance, M. (2025).Youth Employment and Financial Access: Does Work in High School Improve Downstream Financial Capability?. Financial Planning Review. https://doi.org/10.1002/cfp2.70017
L’Esperance, M., Collins, J. M., & Robb, C. (2025). High School Personal Finance Course Mandates and Financial Independence of Young Adults. Journal of Financial Counseling and Planning. https://doi.org/10.1891/JFCP-2022-0059
L’Esperance, M., Grooms, J., & Smeeding, T. M. (2024). Patterns of Advance Child Tax Credit Receipt and Spending among Children with Retired or Disabled Household Members. Social Service Review, 98(1), 93-138. https://doi.org/10.1086/728114
L’Esperance, M. (2023). Nudging credit union members to check their credit: Evidence from a field experiment. Journal of Behavioral and Experimental Finance, 37, 100775. https://doi.org/10.1016/j.jbef.2022.100775
Collins, J. M., & L’Esperance, M. (2023). What do students gain from banks in schools? A field study. Review of Economics of the Household, 21(2), 567-590. https://doi.org/10.1007/s11150-022-09611-z
L’Esperance, M. (2020). Does responsibility for financial tasks influence credit knowledge and behavior?: Evidence from a panel of US couples. Journal of Family and Economic Issues, 41(2), 377-387.https://doi.org/10.1007/s10834-019-09641-3
Under Review
Abdulhadi, A., Collins, J. M., & L’Esperance, M. Short-term disabilities, return to work, and transitions to long-term disability benefits. (Revise and Resubmit)
L’Esperance, M., Zhang, Y., & Chen, P. Tracking Every Dollar: How Do Information Sources and Financial Access Support Budgeting? (Revise and Resubmit)
L’Esperance, M., Grooms, J., Ohannessian, S., & Smeeding, T. Poverty Among Children Living with Social Security Beneficiaries During Pandemic Expansions to the Safety Net.
L’Esperance, M., & Reed-Jones, M. Effects of Expanded Access to the Earned Income Tax Credit on Household Well-being among Older Adults
L’Esperance, M. Disability and Wealth: Exploring the Liquid Asset Trajectories of Social Security Disability Program Applicants
Working Papers
L’Esperance, M. Effects of Income Payment Timing on Financial Shortfalls for Retirees and People with Disabilities.