Strategies

Provide education on basic budgeting, bank use, credit management, bankruptcy, credit building and counseling, homeownership, retirement, divorce, etc.

Establish a non-share capital cooperative model in which fee-paying members can share the communal resources of a grocery, house, or utility cooperative

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Support young children who exhibit or are at risk for behavioral problems with interpersonal relationship training and parents and teachers who are trained to meet their needs

Support subsidized asset accumulation programs in which deposits by participants with low and moderate incomes are matched by program sponsors; withdrawals must be used for qualified expenses to retain matching funds

Return the rights to land, property, and resources to Native people as part of policies and initiatives that promote tribal sovereignty

Delay school start times for middle and high schools to better align with adolescent sleep-wake cycles; often until 8:30 a.m. or later

Support programs that provide matched dollar incentives for low or moderate income individuals to place some or all of their tax refund in a savings account

Support programs that provide small loans, usually to individuals with lower incomes, to start or expand a small business, often with business development training and other technical assistance

Establish voluntary formal groups of residents who work together to create a unified voice, enhance living conditions in their neighborhood, and address neighborhood concerns