Mental Health Wellness 1BEEMNCT05609188
Black Economic Equity Movement
A study testing Guaranteed Income, Peer learning circles and Financial coaching in people with Mental Health Wellness 1 and Health Care Utilization, run by University of California, San Francisco at 1 site in United States.
Trial summary
The primary goal is to understand the potential impacts of Guaranteed Income (GI) on Black youth and young adults' financial, emotional, and physical well-being. The main question it aims to answer is: What are the impacts of GI on Black young adults' investments in their future, mental health and unmet mental and… Read more about this study
- Who is it for?
- Ages 18 to 24 yearsHealthy volunteers can take part
- Conditions the study is for
- Mental Health Wellness 1, Health Care Utilization, Financial Hardship
- What is being tested?
- Guaranteed Income, Peer learning circles and Financial coaching
- Type of treatment
- Lifestyle or therapy programme
- Could I receive a placebo?
- No, everyone receives an active treatment
- How many people
- 300 participants
- Where
- 1 siteUnited States
- Study dates
- 1 Nov 2022to 22 Sep 2025
- Phase
- Interventional
- Are there results?
- None posted in the registry
Key requirements
Who can take part, as listed by the sponsor. Only the study team can confirm whether you are eligible, so take this list to your doctor.
- Ages 18 to 24 years
- All sexes
- Healthy volunteers accepted
- Adult
Who may be able to join
- Between 18-24 years of age at enrollment
- Self-Identify as African American or Black
- Live in a low-income housing tax credit (LIHTC) qualified census tract (QCT) in San Francisco or Oakland. Youth who are homeless or marginally housed in San Francisco and Oakland are also eligible; those who are marginally housed will need a letter from a youth agency that can affirm their marginal housing status.
- Must not be currently enrolled in another GI project
- Must have lived in the US for at least 3 years.
- Must provide informed consent
Who cannot join
- Participation in another GI program at the time of enrollment
- Lived in the United States for less than 3 years
- Have plans to permanently leave the Bay Area
- Being under the influence of alcohol or other substances at the time of enrollment.
Trial locations and contacts
1 site in 1 country.
United States1 site
University of California San Francisco
San Francisco, California, 94143
About this study
Official title: Increasing Financial and Health Equity Among Low Income Black Youth and Young Adults
The primary goal is to understand the potential impacts of Guaranteed Income (GI) on Black youth and young adults' financial, emotional, and physical well-being. The main question it aims to answer is: What are the impacts of GI on Black young adults' investments in their future, mental health and unmet mental and sexual/reproductive health service needs? Participants will receive guaranteed income for 12 months and will be offered enrollment in financial capability programs.
Read the detailed description
The BEEM project is a randomized controlled crossover trial in which 300 low-income Black Emerging Adults (BEA) (aged 18-24) are allocated to receive a $500/month Guaranteed Income (GI) either during the first twelve months of follow-up (phase I) or to receive GI in the second 12 months of a total of 24 months follow-up (phase II). All participants will be offered enrollment in financial capability programs (including peer learning circles and individual financial coaching) to bolster GI effectiveness and will also receive a periodic cell phone-based text messages to ensure that BEA with unmet health service needs receive referrals. The investigators hypothesize that this intervention will increase BEA's investment in their future (education, employment training), improve mental health (depression, anxiety), and reduce unmet mental health and sexual/reproductive health service needs.
- Conditions
- Mental Health Wellness 1, Health Care Utilization, Financial Hardship, Education, Professional
- Being tested
- Guaranteed Income, Peer learning circles, Financial coaching
- Medical subject headings
- Patient Acceptance of Health Care, Financial Stress
What participants receive
What participants receive. In a randomised study each person is assigned to one group by chance.
Guaranteed IncomeOther
Monthly cash transfer of $500 per month for 12 months.
Peer learning circlesBehavioural
Participants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach. My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day.
Financial coachingBehavioural
Participants can opt-in to receive financial coaching sessions with a trained financial mentor. Meetings will occur monthly and typically include six one hour sessions. The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments).
| Study group | Role | What they receive |
|---|---|---|
| Cash now | Experimental | Participants allocated to the "cash now" arm will receive a $500/month Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) and no GI in the second twelve months of follow-up (Phase 2). Receives: Other: Guaranteed Income; Behavioral: Peer learning circles; Behavioral: Financial coaching |
| Cash in a year | Other | Participants allocated to the "cash in a year" arm will receive no Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) but will receive a $500/month GI in the second twelve months of follow-up (Phase 2). Receives: Other: Guaranteed Income; Behavioral: Peer learning circles; Behavioral: Financial coaching |
What is being measured
The primary outcome is the main question the study is designed to answer.
Proportion of Participants with a Possible Major, Probable Major, or Major Depressive Episode
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.
Measured: 12 months of follow-up
Proportion of Participants Reporting Investments in the future
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.
Measured: 12 months of follow-up
Proportion of Participants with Unmet Mental Health Service Needs
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.
Measured: 12 months of follow-up
Unmet Sexual and Reproductive Health Service Needs
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.
Measured: 12 months of follow-up
Secondary outcomes (5)
Savings: Proportion of participants with saving to cover a $400 expense
Participants will self-report having enough savings to cover an unexpected expense of $400.
Measured: Baseline and 12 months
Proportion of Participants with Debt
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.
Measured: Baseline and 12 months
Proportion of participants with Generalized Anxiety
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.
Measured: 12 months of follow-up
Hope for the future
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.
Measured: Baseline and 12 months
Financial Capability Score
A composite measure of financial knowledge, skills, practices, and mindset
Measured: Baseline and 12 months
Timeline
From the start of the study to its completion; the mark is today. Estimated dates are the sponsor’s plan.
- First posted8 Nov 2022
- Study start1 Nov 2022
- Primary completion22 Sep 2025
- Study completion22 Sep 2025
Resources
- Official record on ClinicalTrials.govThe registry entry this page is built from, with its full change history.
- Publications (1)Papers the sponsor has linked to this study.
- Other trials for Mental Health Wellness 1Studies of the same condition, open and under way.
- More trials run by University of California, San FranciscoThe sponsor's other registered studies.
- What the trial phases meanHow a treatment moves from first tests in people to approval.
More details
For doctors and researchers: how the study is designed, who runs it, and its registry IDs.
Study design
- Study type
- Interventional
- Phase
- Phase N/A
- Primary purpose
- Prevention
- Allocation
- Randomised
- Intervention model
- Crossover
- Model description
- The BEEM project is a randomized controlled crossover trial in which 300 low-income Black Emerging Adults (BEA) (aged 18-24) are allocated to receive a $500/month Guaranteed Income (GI) either during the first twelve months of follow-up (phase I) or to receive GI in the second 12 months of a total of 24 months follow-up (phase II). Throughout the study all participants will be offered enrollment in financial capability programs (i.e., peer learning circles and financial coaching) to bolster GI effectiveness.
- Masking
- Double blind
- Who is masked
- Investigator, Outcomes assessor
- Enrolment
- 300 participants (actual)
Sponsor and investigators
- Lead sponsor
- University of California, San Francisco
- Sponsor type
- University, hospital or other
- Collaborators
- Oregon Health and Science University, MyPath, National Institutes of Health (NIH)
- Responsible party
- Sponsor
- Investigators
- Sheri A Lippman, PhD, Principal investigator, University of California, San FranciscoMarguerita Lightfoot, PhD, Principal investigator, Oregon Health & Science University-Portland State University School of Public HealthMargaret Libby, MSW, Principal investigator, MyPath
IDs, dates and publications
- ClinicalTrials.gov ID
- NCT05609188
- Sponsor's protocol ID
- 1U01OD033266-01
- Other IDs
- 1U01OD033266-01
- Acronym
- BEEM
- Status last verified
- Jun 2026
- First submitted
- 1 Nov 2022
- Last updated
- 5 Jun 2026
- Results posted
- No
- Data monitoring committee
- Yes
- FDA-regulated drug
- No
- FDA-regulated device
- No
- Individual data sharing
- No: IPD will not be shared with other researchers.
Publications
Lippman SA, Libby MK, Nakphong MK, Arons A, Balanoff M, Mocello AR, Arnold EA, Shade SB, Qurashi F, Downing A, Moore A, Dow WH, Lightfoot MA. A guaranteed income intervention to improve the health and financial well-being of low-income black emerging adults: study protocol for the Black Economic Equity Movement randomized controlled crossover trial. Front Public Health. 2023 Nov 3;11:1271194. doi: 10.3389/fpubh.2023.1271194. eCollection 2023.
PubMed 38026401
Study at a glance
From the registry record, last updated by the sponsor on 5 Jun 2026. Recruitment status is as the sponsor reported it: confirm with the study team.
- Official title
- Increasing Financial and Health Equity Among Low Income Black Youth and Young Adults
- ClinicalTrials.gov ID
- NCT05609188
- Acronym / sponsor ID
- BEEM / 1U01OD033266-01
- Conditions
- Mental Health Wellness 1, Health Care Utilization, Financial Hardship, Education, Professional
- Study type
- Interventional
- Recruitment status
- Completed
- Enrolment
- 300 participants (actual)
- Lead sponsor
- University of California, San FranciscoUniversity, hospital or other
- Collaborators
- Oregon Health and Science University, MyPath, National Institutes of Health (NIH)
- Study start
- 1 Nov 2022 (actual)
- Primary completion
- 22 Sep 2025 (actual)
- Study completion
- 22 Sep 2025 (actual)
- First posted
- 8 Nov 2022 (actual)
- Results
- Not posted in the source record
Clinical summary
The research question as the sponsor registered it. This describes what the study plans to test, not what it found.
The primary goal is to understand the potential impacts of Guaranteed Income (GI) on Black youth and young adults' financial, emotional, and physical well-being. The main question it aims to answer is: What are the impacts of GI on Black young adults' investments in their future, mental health and unmet mental and sexual/reproductive health service needs? Participants will receive guaranteed income for 12 months and will be offered enrollment in financial capability programs.
Detailed description
The BEEM project is a randomized controlled crossover trial in which 300 low-income Black Emerging Adults (BEA) (aged 18-24) are allocated to receive a $500/month Guaranteed Income (GI) either during the first twelve months of follow-up (phase I) or to receive GI in the second 12 months of a total of 24 months follow-up (phase II). All participants will be offered enrollment in financial capability programs (including peer learning circles and individual financial coaching) to bolster GI effectiveness and will also receive a periodic cell phone-based text messages to ensure that BEA with unmet health service needs receive referrals. The investigators hypothesize that this intervention will increase BEA's investment in their future (education, employment training), improve mental health (depression, anxiety), and reduce unmet mental health and sexual/reproductive health service needs.
Study design
- Primary purpose
- Prevention
- Allocation
- Randomised
- Intervention model
- Crossover
- Masking
- Double blind (investigator, outcomes assessor)
- Number of arms
- 2
- Model description
- The BEEM project is a randomized controlled crossover trial in which 300 low-income Black Emerging Adults (BEA) (aged 18-24) are allocated to receive a $500/month Guaranteed Income (GI) either during the first twelve months of follow-up (phase I) or to receive GI in the second 12 months of a total of 24 months follow-up (phase II). Throughout the study all participants will be offered enrollment in financial capability programs (i.e., peer learning circles and financial coaching) to bolster GI effectiveness.
| Arm | Type | Receives |
|---|---|---|
| Cash now | Experimental | Other: Guaranteed Income, Behavioral: Peer learning circles, Behavioral: Financial coachingParticipants allocated to the "cash now" arm will receive a $500/month Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) and no GI in the second twelve months of follow-up (Phase 2). |
| Cash in a year | Other | Other: Guaranteed Income, Behavioral: Peer learning circles, Behavioral: Financial coachingParticipants allocated to the "cash in a year" arm will receive no Guaranteed Income (GI) during the first twelve months of follow-up (Phase 1) but will receive a $500/month GI in the second twelve months of follow-up (Phase 2). |
Who may qualify
- Ages
- 18 to 24 years
- Sex
- All
- Healthy volunteers
- Accepted
- Age groups
- Adult
Key inclusion criteria (6 listed)
- Between 18-24 years of age at enrollment
- Self-Identify as African American or Black
- Live in a low-income housing tax credit (LIHTC) qualified census tract (QCT) in San Francisco or Oakland. Youth who are homeless or marginally housed in San Francisco and Oakland are also eligible; those who are marginally housed will need a letter from a youth agency that can affirm their marginal housing status.
- Must not be currently enrolled in another GI project
- Must have lived in the US for at least 3 years.
Key exclusion criteria (4 listed)
- Participation in another GI program at the time of enrollment
- Lived in the United States for less than 3 years
- Have plans to permanently leave the Bay Area
- Being under the influence of alcohol or other substances at the time of enrollment.
Eligibility is decided by the study team after screening; this overview does not establish that a patient qualifies. Full inclusion and exclusion criteria.
Interventions
| Intervention | Type | Arms |
|---|---|---|
| Guaranteed IncomeMonthly cash transfer of $500 per month for 12 months. | Other | Cash in a year, Cash now |
| Peer learning circlesParticipants can opt-in to attend peer learning circles (also called My Money Hour), which are discussion groups of 10-12 participants about financial topics co-led by a peer (Black youth) with experience in financial programming and an adult financial coach. My Money Hour sessions will be offered on-line multiple times throughout every month of the project, with rotating themes, to ensure that the 50-minute sessions are available different days of the week and times of the day. | Behavioural | Cash in a year, Cash now |
| Financial coachingParticipants can opt-in to receive financial coaching sessions with a trained financial mentor. Meetings will occur monthly and typically include six one hour sessions. The mentor will be responsive to individual needs, but will touch on the following priority areas: building credit (credit repair, improving credit scores, credit products); savings (emergency savings plans, savings habits and strategies, understanding savings accounts); money management (creating budgets, understanding income vs expense, assessing spending, making better financial decisions); financial products (credit building products, auto loans, credit cards); and long-term goals (home ownership, investments). | Behavioural | Cash in a year, Cash now |
Primary outcome
Proportion of Participants with a Possible Major, Probable Major, or Major Depressive Episode
Time frame: 12 months of follow-up
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.
Proportion of Participants Reporting Investments in the future
Time frame: 12 months of follow-up
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.
Proportion of Participants with Unmet Mental Health Service Needs
Time frame: 12 months of follow-up
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.
Unmet Sexual and Reproductive Health Service Needs
Time frame: 12 months of follow-up
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.
5 secondary outcomes
Savings: Proportion of participants with saving to cover a $400 expense
Time frame: Baseline and 12 months
Proportion of Participants with Debt
Time frame: Baseline and 12 months
Proportion of participants with Generalized Anxiety
Time frame: 12 months of follow-up
Hope for the future
Time frame: Baseline and 12 months
Financial Capability Score
Time frame: Baseline and 12 months
Results and safety
The study is completed, but results are not available in the source record. That does not mean the treatment did or did not work.
Research links
- Official record on ClinicalTrials.govLast updated by the sponsor 5 Jun 2026.
- Derived from this study: PubMed 38026401Lippman SA, Libby MK, Nakphong MK, Arons A, Balanoff M, Mocello AR, Arnold EA, Shade SB, Qurashi F, Downing A, Moore A, Dow WH, Lightfoot MA. A guaranteed income intervention to improve the health and financial well-being of low-income black emerging adults: study protocol for the Black Economic Equity Movement randomized controlled crossover trial. Front Public Health. 2023 Nov 3;11:1271194. doi: 10.3389/fpubh.2023.1271194. eCollection 2023.
- Project websiteLink provided by the sponsor.
- Individual participant dataSharing planned: No. IPD will not be shared with other researchers.
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Referral and contact
AzTrials does not enrol participants or take referrals. Contact the study team or a site listed below; they decide who can take part. This study is not recruiting at the moment.
Sheri A Lippman, PhD principal investigator
University of California, San Francisco
Marguerita Lightfoot, PhD principal investigator
Oregon Health & Science University-Portland State University School of Public Health
Margaret Libby, MSW principal investigator
MyPath
1 site in 1 country: see every site and its status.
Questions about this trial
What is this clinical trial studying?
A study testing Guaranteed Income, Peer learning circles and Financial coaching in people with Mental Health Wellness 1 and Health Care Utilization, run by University of California, San Francisco at 1 site in United States.
The full registered description is in the About this study section and the official record.
Who may be eligible to take part?
The sponsor lists 6 inclusion and 4 exclusion criteria. Eligibility is decided by the study team after screening, so read the full criteria and contact a listed site.
Is this clinical trial currently recruiting?
The record says: finished, as of the sponsor's last update on 5 Jun 2026. Status can change between updates, so confirm with the study contact before making plans.
Where is the study taking place?
The record lists 1 site in United States. Whether a site is taking part right now should be confirmed with that site. See every site.
What are the possible benefits and risks?
They depend on the study and the treatment, and no study can promise a benefit. The study team explains the known risks during informed consent, before anyone joins; the record itself does not list them.
Are results available for this study?
The study is completed, but results are not available in the source record. That does not mean the treatment did or did not work.
How can a doctor refer a patient or contact the research team?
The record lists no contact. The official record names the sponsor, who can be asked directly. AzTrials does not enrol participants or take referrals.
What does the primary outcome measure?
Proportion of Participants with a Possible Major, Probable Major, or Major Depressive Episode (time frame: 12 months of follow-up). The study lists 4 primary outcomes in all. It is what the study was designed to measure, not a finding.
Where can I read the original study information?
On the ClinicalTrials.gov record for NCT05609188, which also lists 1 linked publication.
Does a listing mean the treatment is approved or proven to work?
No. A listing means the study is registered. It does not show that the treatment is safe, works, or is approved by a regulator.
How often is this information updated?
AzTrials copies changed records from ClinicalTrials.gov every night and reloads the whole registry every week. The sponsor last updated this record on 5 Jun 2026.