Strategies

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

Provide pregnant or parenting teens with services based upon their needs (e.g., counseling, connections to health care or social services, academic support, etc.) in school or community settings

Establish policies, plans, and programs that meet the needs of all residents of a community, especially children and older adults, and promote interaction and cooperation between individuals of different generations

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

Establish locally mandated wages that are higher than state or federal minimum wage levels

Increase access to LARCs through cost reduction, comprehensive birth control counseling, provider training, efforts to ensure availability at local clinics, etc.

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