Margaret S. Sherraden, PhD, MA, is Professor Emeritus at the University of Missouri-St. Louis and Research Professor at Washington University in St. Louis.Julie Birkenmaier is a Professor at Saint Louis University School of Social Work and a Project Co-Director of Financial Capability with the Center for Social Development at Washington University in St Louis.J. Michael Collins is the Faculty Director of the Center for Financial Security at the University of Wisconsin-Madison, and Associate Professor in the School of Human Ecology and at the La Follette School of Public Affairs

• AcknowledgmentsIntroduction Part I: Setting the Stage: Financial Capability and Asset Building in Financially Vulnerable HouseholdsChapter 1: Financial Well-Being: Basic ConceptsChapter 2: Financial Vulnerability in American Families: A PortraitChapter 3: History of Financial Capability and Asset Building in AmericaChapter 4: Financial Institutions, Products, and ServicesChapter 5: Understanding Household Finance: Income Statements and Balance Sheets Part II: Household Finance: Building a Foundation for Financial Capability and Asset BuildingChapter 6: Household IncomeChapter 7: Taxes and Financially Vulnerable HouseholdsChapter 8: Values, Goals, and Spending PlansChapter 9: Short-Term and Emergency SavingsChapter 10: Long-Term Savings and Asset Accumulation: Building a FutureChapter 11: Credit and Credit BuildingChapter 12: Higher EducationChapter 13: Housing and HomeownershipChapter 14: Debt, Problem Debt, and Debt NegotiationChapter 15: Risk Management and InsuranceChapter 16: Identity Theft and ProtectionChapter 17: Collections, Garnishments, and BankruptcyChapter 18: Preparing for Financial Security in Old AgeChapter 19: Putting Financial Affairs in Order: Estate Planning Part III: Human Services: Financial Capability and Asset-Building PracticeChapter 20: Financial Capability in the Social Environment: Preparing for Financial Capability and Asset-Building PracticeChapter 21: Financial Practice with Individuals and FamiliesChapter 22: Financial Capability and Asset Building in Organizations, Communities, and PolicyChapter 23: Career Pathways in Financial Capability and Asset-Building Practice GlossaryIndex

The book takes a uniquely valuable approach by which financial issues are described from the perspective of those who experience financial struggles and those who are trying to assist them based on principles from the humanservice professions, such as a strengths perspective, a nonjudgmental attitude, cultural competence, humility, and respect for client self-determination.

Margaret S. Sherraden, PhD, MA, is Professor Emeritus at the University of Missouri-St. Louis and Research Professor at Washington University in St. Louis.Julie Birkenmaier is a Professor at Saint Louis University School of Social Work and a Project Co-Director of Financial Capability with the Center for Social Development at Washington University in St Louis.J. Michael Collins is the Faculty Director of the Center for Financial Security at the University of Wisconsin-Madison, and Associate Professor in the School of Human Ecology and at the La Follette School of Public Affairs

• AcknowledgmentsIntroduction Part I: Setting the Stage: Financial Capability and Asset Building in Financially Vulnerable HouseholdsChapter 1: Financial Well-Being: Basic ConceptsChapter 2: Financial Vulnerability in American Families: A PortraitChapter 3: History of Financial Capability and Asset Building in AmericaChapter 4: Financial Institutions, Products, and ServicesChapter 5: Understanding Household Finance: Income Statements and Balance Sheets Part II: Household Finance: Building a Foundation for Financial Capability and Asset BuildingChapter 6: Household IncomeChapter 7: Taxes and Financially Vulnerable HouseholdsChapter 8: Values, Goals, and Spending PlansChapter 9: Short-Term and Emergency SavingsChapter 10: Long-Term Savings and Asset Accumulation: Building a FutureChapter 11: Credit and Credit BuildingChapter 12: Higher EducationChapter 13: Housing and HomeownershipChapter 14: Debt, Problem Debt, and Debt NegotiationChapter 15: Risk Management and InsuranceChapter 16: Identity Theft and ProtectionChapter 17: Collections, Garnishments, and BankruptcyChapter 18: Preparing for Financial Security in Old AgeChapter 19: Putting Financial Affairs in Order: Estate Planning Part III: Human Services: Financial Capability and Asset-Building PracticeChapter 20: Financial Capability in the Social Environment: Preparing for Financial Capability and Asset-Building PracticeChapter 21: Financial Practice with Individuals and FamiliesChapter 22: Financial Capability and Asset Building in Organizations, Communities, and PolicyChapter 23: Career Pathways in Financial Capability and Asset-Building Practice GlossaryIndex

The book takes a uniquely valuable approach by which financial issues are described from the perspective of those who experience financial struggles and those who are trying to assist them based on principles from the humanservice professions, such as a strengths perspective, a nonjudgmental attitude, cultural competence, humility, and respect for client self-determination.

Margaret S. Sherraden, PhD, MA, is Professor Emeritus at the University of Missouri-St. Louis and Research Professor at Washington University in St. Louis.Julie Birkenmaier is a Professor at Saint Louis University School of Social Work and a Project Co-Director of Financial Capability with the Center for Social Development at Washington University in St Louis.J. Michael Collins is the Faculty Director of the Center for Financial Security at the University of Wisconsin-Madison, and Associate Professor in the School of Human Ecology and at the La Follette School of Public Affairs

• AcknowledgmentsIntroduction Part I: Setting the Stage: Financial Capability and Asset Building in Financially Vulnerable HouseholdsChapter 1: Financial Well-Being: Basic ConceptsChapter 2: Financial Vulnerability in American Families: A PortraitChapter 3: History of Financial Capability and Asset Building in AmericaChapter 4: Financial Institutions, Products, and ServicesChapter 5: Understanding Household Finance: Income Statements and Balance Sheets Part II: Household Finance: Building a Foundation for Financial Capability and Asset BuildingChapter 6: Household IncomeChapter 7: Taxes and Financially Vulnerable HouseholdsChapter 8: Values, Goals, and Spending PlansChapter 9: Short-Term and Emergency SavingsChapter 10: Long-Term Savings and Asset Accumulation: Building a FutureChapter 11: Credit and Credit BuildingChapter 12: Higher EducationChapter 13: Housing and HomeownershipChapter 14: Debt, Problem Debt, and Debt NegotiationChapter 15: Risk Management and InsuranceChapter 16: Identity Theft and ProtectionChapter 17: Collections, Garnishments, and BankruptcyChapter 18: Preparing for Financial Security in Old AgeChapter 19: Putting Financial Affairs in Order: Estate Planning Part III: Human Services: Financial Capability and Asset-Building PracticeChapter 20: Financial Capability in the Social Environment: Preparing for Financial Capability and Asset-Building PracticeChapter 21: Financial Practice with Individuals and FamiliesChapter 22: Financial Capability and Asset Building in Organizations, Communities, and PolicyChapter 23: Career Pathways in Financial Capability and Asset-Building Practice GlossaryIndex

The book takes a uniquely valuable approach by which financial issues are described from the perspective of those who experience financial struggles and those who are trying to assist them based on principles from the humanservice professions, such as a strengths perspective, a nonjudgmental attitude, cultural competence, humility, and respect for client self-determination.