A Ball State study finds TIFs have no major impact on economic development or changes in property values.
The findings show that a higher use of TIFs reduces employment and the number of business establishments in a county.
Hoosiers on average save only about $3,000 for financial emergencies.
The study is part of a report by the Center for Business and Economic Research.
The study shows other states which adopted right-to-work would likely have grown their economies even without it.
The US unemployment rate fell almost half a percentage point in January.