Individual Wealth Preservation

The Homeownership Gap

Andrew Haughwout, Richard Peach and Joseph Tracy
Current Issues in Economics and Finance, volume 16, number 3

Capital IDEA

Capital IDEA is committed to lifting adults out of poverty and into living wage careers.  To do so, it provides the financial and emotional support that non-traditional adult students need to succeed in college and ultimately reach self-sufficiency.  Since its establishment in 1998, Capital IDEA has helped over 1,000 low-income adults in Central Texas.  In 2014 alone, the nonprofit served 825 low-income adults by fully funding tuition, fees, and textbooks, assisting with childcare and transportation expenses, and providing intensive career counseling and case management services.

Individual Wealth Preservation Tools

The Debt Resistors Operations Manual

Strike Debt and Occupy Wall Street

The Debt Resistors Operations Manual, put together by an anonymous collec­tive of activists from Strike Debt and Occupy Wall Street contains practical information, resources and tips for individuals dealing with indebtedness in the United States. Covering all aspects of the debt system from personal debt to municipal debt the manual shows how households, cities and countries are controlled by a system of debt. 

2012 Consumer Action Handbook

GSA Federal Citizen Information Center
Office of Citizen Services and Innovative Technologies

Federal Asset-Building Programs Continue to Favor Wealthy

Missed opportunity to help less well-off Americans build wealth

Copyright New American
Foundation 2012

In its Assets Report 2012, the New America Foundation calculates that more than half a trillion dollars is allocated in the U.S. FY 2013 federal budget through direct spending programs and tax provisions to encourage savings and asset-building. Of that sum, only a small fraction helps those who need it the most, low- and moderate-income Americans.

As Reid Cramer, Rachel Black, and Justin King at the New America Foundation note, this is a lost opportunity:

This approach misses the potential of assets to help chart a path out of poverty. If we are to broaden savings and asset ownership successfully—giving everyone a stake in the common-wealth—we must understand how the federal government’s current policy paradigm affects asset building among low- and moderate-income Americans.

Read more about Federal Asset-Building Programs Continue to Favor Wealthy...