Black Economic Equity Movement

Using the Center for Epidemiologic Studies Depression Scale Revised (CESDR-10), a 'major depressive episode' is defined as 1) presence of anhedonia (inability to feel pleasure), dysphoria (generalized dissatisfaction with life), or irritability 'all the time' or 5-7 days for the past week and 2) at least 4 additional symptoms occurring 'all the time' or 5-7 days in the past week. A 'probable major depressive episode' is defined as 1) presence of anhedonia, dysphoria or irritability nearly every day for the past week, and 2) an additional 3 symptoms occurring 'all the time' or 5-7 days in the past week. A 'possible major depressive episode' is defined as 1) presence of anhedonia, dysphoria or irritability nearly every day for the past week, and 2) an additional 2 symptoms occurring 5-7 days in the past week. The analysis plan includes use of repeated measures to estimate the difference in depressive symptoms at 12 months between study arms relative to baseline proportion.

Indication of enrollment in education, certification, or employment training programs. The analysis plan includes use of repeated measures to estimate the difference in investments in the future at 12 months between study arms relative to baseline proportion.

Defined as the absence of receiving mental health care when needed. Unmet mental health need will be assessed by possible, probably or major depressive episode per the CESDR-10 or ≥ 10 on the brief Generalized Anxiety Disorder scale (GAD-7), and not reporting that care was utilized. Service utilization is based on self-report as stating "no" to having accessed any MH service from any kind of health professional. The analysis plan includes the use of repeated measures to estimate the difference in unmet mental health service needs between study arms.

Defined as the absence of receiving sexual and reproductive health services when needed, including STI testing and family planning. This will be measured as self-reported need for SRH (having symptoms of an STI, unprotected sex, or being at risk of unwanted pregnancy) and not reporting that SRH services were utilized. Service utilization is based on self-report as stating "no" to having accessed any SRH service from any kind of health professional. The analysis plan includes the use of repeated measures to estimate the difference in unmet sexual and reproductive health service needs between study arms.

Participants will self-report having enough savings to cover an unexpected expense of $400.

Self- reported holding of debt, including: fraudulent debt, owed child support, banking/overdraft fees, bail debts, school debts, utility debts, and credit card or payday loan debt.

Score of 10 or above on the brief Generalized Anxiety Disorder scale (GAD-7) represents moderate to severe anxiety. The GAD-7 scale ranges from 0-21 with higher scores indicating more generalized anxiety. The analysis plan includes the use of repeated measures to estimate the difference in generalized anxiety at 12 months between study arms relative to baseline proportion.

Hope will be measured using the Hope Matters scale, including 12 items that elicit future expectancy characterized by an individual's perception that a desirable future outcome can be achieved. Participants' level of hope will be classified by using a mean score, with a range of 1-4, with increasing values signifying higher levels of hope.

A composite measure of financial knowledge, skills, practices, and mindset