Building a Lifetime of Financial Stability Summary Report

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What It's Worth
Next Steps Contact: 
Kristina Deters, HHS Educator, Purdue Extension
A Next Steps Contact is the person responsible for convening the group after the lunch & learn. At successive convenings (e.g., "What It's Worth" book club), the group will determine and execute action steps to progress financial capability in the local area. 
Next Steps Contact: 
Marie Morse, Executive Director, HomesteadCS
Eschewing downstream thinking is difficult. Its ubiquity has narrowed our understanding of the solutions that exist to combat poverty and, thus, we are less effective at accomplishing that which we aspire to. The lunch and learns were a prelude to the formidable challenge of reorienting our mind-sets to encompass upstream solutions, which we may not at first consider.
Downstream thinking adopts poverty supports a posteriori―after people experience the effects of poverty. The social safety net, though critical to improving poor people's livelihoods, adopts mostly downstream solutions. If we developed poverty supports a priori―before people experience the effects of poverty, we could curtail the essentiality of downstream solutions, which are designed to improve immediate quality of life; not accord self-sufficiency.
“Every time we have to clean up an environmental disaster, every time a young person winds up in jail, every time people have to take medications to make up for the fact they could not afford good food, we are suffering from the results of downstream thinking . . . Upstream thinking means investing wisely for future success rather than spending all of our time and resources responding to and perpetuating failure.”  
 The Upstream Institute for a Healthy Society

Sign up for The Upstream Institute for a Healthy Society's newsletter to stay up-to-date on the latest upstream solutions at
Next Steps Contact: 
Diana Stone, HHS Educator, Purdue Extension
Next Steps Contact: 
Annetta Jones, HHS Educator, Purdue Extension
United Way's ALICE Report
ALICE is an acronym that stands for Asset Limited, Income Constrained, Employed, comprising households with income above the Federal Poverty Level, but below the basic cost of living for the state (the ALICE Threshold). Of Indiana's 2.5 million households, 14 percent earn below the FPL and another 22 percent are ALICE.
The Status of Working Families in Indiana
The Status of Working Families is a biennial report that analyzes the general state of Indiana's economy as it relates to working families by examining data on poverty, labor force and wages, followed by working-family friendly policy options. 
"Stop, Think, Act: Integrating Self-Regulation in the Early Childhood Classroom"
"Stop, Think, Act: Integrating Self-regulation in the Early Childhood Classroom" offers early childhood teachers the latest research and a wide variety of hands-on activities to help children learn and practice self-regulation techniques. Self-regulation in early childhood leads to strong academic performance,  helps students form healthy friendships, and gives them the social and emotional resources they need to face high-stress situations throughout life.
Jump$tart Financial Literacy Curriculum
Money Smart Week
Money Smart Week is a public awareness campaign designed to help consumers better manage their personal finances and was conceived by the Federal Reserve Bank of Chicago in 2002. MSW is achieved through the collaboration and coordinated effort of organizations across the country including businesses, financial institutions, schools, libraries, not-for-profits, government agencies, and the media. These groups come together to stress the importance of financial literacy, inform consumers about where they can get help, and provide free educational seminars and activities throughout the week. Programming is offered to all demographics and income levels and covers all facets of personal finance from establishing a budget to first time home buying to estate planning.
Junior Achievement Financial Literacy Curriculum
Jump$tart Coalition is a coalition of financial education stakeholders that work together to prepare the nation's youth for life-long financial success. Junior Achievement inspires and prepares young people to succeed in the global economy and offers programs to impart understanding of economics and business concepts.
Americans everywhere struggle to build strong financial futures for themselves and their families. "What It's Worth" provides a roadmap for what families, communities, and our nation can do to move forward on the path to financial well-being. The book was published by Prosperity Now, formerly CFED, and the Federal Reserve Bank of San Francisco.
"What It's Worth"
The book is a project of the Federal Reserve Bank of San Francisco and the Nonprofit Finance Fund and features essays by dozens of leaders, exploring the possibilities of an outcomes-based world.
"What Matters: Investing in Results to Build Strong, Vibrant Communities"
Econ Lowdown, a project of the Federal Reserve Bank of St. Louis, offers award-winning and free videos, lessons, and online courses to teach about economics, personal finance, and money. You may want to explore opportunities for teacher education and for becoming a school partner with the Federal Reserve Bank of St. Louis. Many other banks, including Regions and Old National, also provide financial education curriculum for adults and children.
Kiddynomics: An Economics Curriculum for Young Learners, a project of the Federal Reserve Bank of St. Louis, is a set of lessons designed to introduce young children to the economic way of thinking.
Econ Lowdown
Participants should take what they have learned back to their clients, families, and communities to further the discussion about upstream solutions to achieve financial capability. You may consider starting a book club to review the solutions presented in "What It's Worth" or you may consider creating subcommittees to address financial capability problems among certain populations such as the formerly incarcerated, seniors, domestic abuse survivors, or communities of color.
Assessing Our Communities' Assets & Issues
We have vibrant neighborhood associations that we  can leverage to advocate for public and private investment in community health clinics.
Identifying Community Leaders & Partners
Who are the anchor institutions? 
The Indiana Assets & Opportunity Network The Platform 
202 E Market St. Indianapolis, 46204
Allegra Maldonado
Network VISTA [email protected]
We have an active PTA that can partner with Promise Indiana to bring the Child Savings Account program to our community.
Who are the funders?
Hard hit by unemployment and the opioid epidemic, families need job training and social supports to improve resiliency. 
Who inspires and mobilizes?
Some examples include:
We have a high immigrant population in our community and want to educate immigrants about how to navigate mainstream financial institutions so that they can better save for the future.
Whose voices are typically underrepresented and how can we make sure they're heard?