Strategies

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

Accommodate or provide dedicated infrastructure for cyclists via bicycle paths, lanes, cycle tracks or protected lanes, etc.

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)

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

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

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

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

Support use of in-vehicle devices that alert novice teen drivers when they have high g-force events (e.g., rapid acceleration, braking, or turning) and allow families to review driving performance

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