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| Full Title | Assets and the Poor New American Welfare Policy 1st Edition |
|---|---|
| Author(s) | Michael Sherraden |
| Edition | 1st Edition |
| ISBN | 9781315288352, 9780873326186, 9781563240669, 9781315288376, 9780765634566, 9781315288345, 9781315288369 |
| Publisher | Routledge |
| Format | PDF and EPUB |
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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