Strategies

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

Purchase the land a home is on to lease to homeowners with low and middle incomes and require homeowners to sell the home back to the trust or to another resident with low income upon moving

Provide information about contraception and protection against sexually transmitted infections (STIs) in classroom or community settings

Provide condoms free of charge or at a reduced cost in community and school-based settings

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.

Coordinate efforts to reduce risky sexual behavior among adolescents with work, vocational training, or sports

Educate families about safe tap water temperatures during prenatal or well-baby visits at clinic or home visits; often with home safety checks or provision of home water temperature safety equipment

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