Strategies

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

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

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

Establish roads that avoid built-up areas such as towns, cities, or commercial/business districts

Regulate short-term loans that must be repaid by a borrower’s next pay day via bans, caps on maximum interest rates and loan amounts, or require minimum loan terms and credit cost

Teach positively stated behavior expectations to all students, often reinforced with prizes or privileges and supported with coaching and data

Allow law enforcement officials to stop drivers solely for failing to use a seat belt

Attach metal bars, frames, or crush proof cabs to a tractor that provide a safety zone for an operator in the event of a rollover or overturn