Assets and the Poor: New American Welfare Policy
- ISBN-10
- 1315288354
- ISBN-13
- 9781315288352
- Category
- History
- Pages
- 344
- Language
- English
- Published
- 2016-09-16
- Publisher
- Routledge
- Authors
- Michael Sherraden, Neil Gilbert
Description
This work proposes a new approach to welfare: a social policy that goes beyond simple income maintenance to foster individual initiative and self-sufficiency. It argues for an asset-based policy that would create a system of saving incentives through individual development accounts (IDAs) for specific purposes, such as college education, homeownership, self-employment and retirement security. In this way, low-income Americans could gain the same opportunities that middle- and upper-income citizens have to plan ahead, set aside savings and invest in a more secure future.
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