Owning Up

Despite the recent success of welfare reform in moving people off public assistance and into jobs, most of America's working poor are still unable to accumulate even the most minimal of assets. Even when they are getting by, they lack many of the resourcestangible and intangiblethat provide middle-class Americans with a sense of security, stability, and a stake in the future. In Owning Up , Michelle Miller-Adams demonstrates how asset-building programs, used in combination with traditional incom