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Introduction 1 Chapter 1. Household Income Household Income Trends Affluence Rises to New Heights 8 Richest Households Control Large Share of Income 15 Older Householders Have Seen Biggest Gains 20 Women Who Live Alone Have Gained the Most 22 Blacks Lead in Income Gains 24 The Well-Educated See Incomes Rise the Most 26 Single-Person Households Advance in Income 28 Single-Earner Households Are Falling Behind 30 Households with Children Make Gains 32 Working Wives Mean Higher Incomes 34 The South Is Closing the Gap 36 Huge Gains for Some States 38 Household Income, 1999 Dual-Earner Married Couples Dominate Wealthiest Households 42 Married Couples Have the Highest Incomes 44 Household Income Peaks in the 45-to-54 Age Group 50 Married Couples Have the Highest Incomes 56 Incomes of Female-Headed Families Are below Average 62 Male-Headed Families Have Average Incomes 68 Women Living Alone Have Lowest Incomes 74 Incomes Are Low for Men Living Alone 80 Two-Income Households Have Above-Average Incomes 86 Married Couples with School-Aged Children Have the Highest Incomes 92 Among Dual-Earner Couples, Empty-Nesters Are Most Affluent 98 Female-Headed Families without Children Have Higher Incomes 101 Male-Headed Families without Children Have Above-Average Incomes 107 Household Incomes Rise with Education 113 Household Incomes Are Highest in New England 124 For Blacks, Household Incomes Are Highest in the West 129 Suburban Households Have the Highest Incomes 134 Chapter 2. Men's Income Men's Income Trends More Men Have High Incomes 140 Incomes Are Lower for Men under Age 45 147 Incomes Are Growing Fastest for Black Men 149 Men in the South Have Gained the Most 151 Little Earnings Growth for Full-Time Workers 153 Black Men Earn Much More Than Hispanics 155 Earnings Rose the Fastest for the Most Educated Men 157 White-Collar Workers See Biggest Gains 159 Men's Income, 1999 Income Peaks among Men Aged 45 to 54 164 Black and Hispanic Men Have Lower Incomes 170 Incomes Are Highest for Men in the Midwest 172 Men in the Suburbs Have the Highest Incomes 178 Most Men Have Modest Earnings 180 Men's Earnings Rise with Education 186 Education Boosts Earnings of Black and Hispanic Men 199 Men's Earnings Vary Widely by Occupation 208 Three out of Four Men Receive Wage or Salary Income 211 Chapter 3. Women's Income Women's Income Trends More Women Have Incomes of $25,000 or More 220 Women of All Ages Have Seen Their Incomes Grow 227 Incomes of Black Women Have Grown Fastest 229 Women in South Saw Biggest Gains 231 Women's Earnings Have Grown Because More Work Full-Time 233 Earnings of Black Women Rose the Most 235 Educated Women Gained the Most 237 Women in Most Occupations Have Gained Ground 239 Women Are Struggling to Close the Gap 242 Seven Million Wives Earn More Than Their Husbands 244 Women's Income, 1999 Women's Incomes Peak in the 45-to-54 Age Group 248 Hispanic Women Have the Lowest Incomes 254 Women in the Northeast Have the Highest Incomes 256 Women in Nonmetropolitan Areas Have the Lowest Incomes 262 Women Earn Little from Part-Time Work 264 Women with Professional, Doctoral Degrees Earn the Most 270 Education Boosts Earnings of Black, Hispanic, and White Women 283 In a Few Occupations, Women Earn More Than Men 292 Two-Thirds of Women Receive Wage or Salary Income 295 Chapter 4. Discretionary Income Most Households Have Discretionary Income 303 Amount of Discretionary Income Peaks in Middle Age 305 Empty Nesters Have the Most Discretionary Income 307 Asian Households Are Most Likely to Have Discretionary Income 309 Discretionary Income Is Highest in the West 311 The College-Educated Control Most Discretionary Income 313 Small Households Control Most Discretionary Income 315 Chapter 5. Wealth Net Worth Higher for Most 318 The Majority of Households Own Financial Assets 320 Big Gains in Stock Ownership 323 Nonfinancial Assets Are Most Important 326 Most Households Have Debt 328 Chapter 6. Poverty Poverty Trends Women Head Most Poor Families 334 Poverty Rate Has Declined for Most Families 336 Female-Headed Families with Children Are Less Likely to Be Poor 342 Poverty Rate of People Has Fallen Slightly 348 A Growing Share of Poor People Are Aged 18 to 64 350 Non-Hispanic Whites Are a Minority of the Poor 353 Poverty Has Grown in the West 357 Most States Have Seen Poverty Rate Decline 360 Growing Share of Poor Live in Metropolitan Areas 363 Many of the Poor Have Jobs 366 Poverty, 1999 Few Households with Two Earers Are Poor 370 Poverty Rate Is Highest for Central City Families 374 Nearly One in Four American Households Received Poverty Assistance 377 Non-Hispanic Whites Dominate Elderly Poor 379 Poverty Rate Is Highest among Children and Young Adults 381 Few College Graduates Are Poor 388 In Most Age Groups, Poverty Is Highest in the South 390 Nearly One-Third of Nation's Poor Live in Three States 393 One in Four Children Living in Central Cities Is Poor 396 Many Young Adult Workers Are Poor 399 One-Fourth of the Nonworking Poor Are Ill or Disabled 405Library of Congress Subject Headings for this publication: Income United States Statistics, Income distribution United States Statistics, Discretionary income United States Statistics, United States Economic conditions 1971-1981 Statistics, United States Economic conditions 1981- Statistics, Household surveys United States