Children's savings accounts (CSAs) provide early asset-building opportunities to reduce disparities in children's outcomes, particularly regarding postsecondary education and financial well-being. Promise Indiana (PI) is a state-supported and community-driven CSA program for children in kindergarten through third grade. This study used a mixed methods approach to better understand savings behaviors and perceptions among PI participants. Administrative data showed a substantial 60 percent uptake of 529 savings accounts in the first year. Forty-five percent of PI accounts had deposits from family or champion funds, with an average account balance of $270. These findings suggest that PI is contributing to college savings rates in the 529 plan that exceed what would otherwise be expected for families of young children. Further, results from parental interviews suggested PI activated key components of the identity-based motivation framework, enabling individuals to assert and act on a vision of themselves as someone who saves for college.

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社区驱动的 CSA 计划中的储蓄和教育资产建设：Promise Indiana 案例

儿童储蓄账户 (CSA) 提供早期资产建设机会，以减少儿童成果的差异，特别是在高等教育和财务状况方面。Promise Indiana (PI) 是一项由州支持和社区驱动的 CSA 计划，适用于从幼儿园到三年级的儿童。本研究使用混合方法来更好地了解 PI 参与者的储蓄行为和看法。行政数据显示，第一年 529 个储蓄账户的使用率高达 60%。45% 的 PI 账户有来自家庭或冠军基金的存款，平均账户余额为 270 美元。这些发现表明 PI 正在为 529 计划中的大学储蓄率做出贡献，这超出了幼儿家庭的预期。更多，