'There Was No Money Left to Save': Financial Literacy and the Lives of Low-Income People

摘要

Despite the popularity of financial literacy programs intended to benefit low-income families, little research explores how families experience and interpret their own participation in these programs. In-depth interviews with participants in one such program revealed participants' complex analyses of financial literacy and their own poverty. Their analyses simultaneously affirm and challenge hegemonic ideologies and neoliberal practices and, as such, provide an opportunity for social workers to respond in ways that address not only the immediate financial needs of low-income families but also the structures and ideologies that contribute to those needs.