Strategies

Restrict the content and placement of alcohol advertisements on broadcasts, outdoor displays, internet marketing, etc. via state laws, local ordinances, industry self-regulation, or a combination of efforts

Establish publicly funded investment accounts for every newborn, accessible at age 18

Provide basic skills (e.g., reading, math, writing, English language, or soft skills) and industry-specific training with other supports; also called occupationally contextualized basic education programs

Build assets through child development accounts (CDAs) with contributions from a sponsoring organization, such as government agencies or nonprofits, and family, friends; also called children’s savings accounts (CSAs)

Help high school students prepare for college, complete applications, and enroll, especially first-generation applicants and students from families with low incomes

Support financial institutions providing services to underserved and disadvantaged communities

Offer debt advice from trained providers to tenants with unpaid, overdue rent to help repay debt and increase financial literacy

Hold alcohol retailers legally responsible for injuries or damage caused by providing alcohol to intoxicated or underage customers; also called commercial host liability laws

Initiate or increase retailer compliance checks, shoulder tap operations, parking lot observation outside alcohol establishments for laws that prohibit alcohol sales to minors

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