Lissa Johnson is a Data Systems Architect for YouthSave, and is the Director of Administration for the Center for Social Development at Washington University in St. Louis. Along with YungSoo Lee, she led the research for the findings reported here, with these research partners: the University of Los Andes in Colombia; the Institute for Statistical, Social, and Economic Research at University of Ghana; the Kenya Institute for Public Policy Research; New ERA in Nepal; Columbia University; and the University of North Carolina.