By Wade Rathke
The government could have failed the bad, argues organizer and ACORN founder Wade Rathke, yet there's otherwise: wealth-building. In Citizen Wealth, Rathke indicates how nutrition stamps, unemployment coverage, and tax aid supply transitority, stop-gap fixes yet dont deal with the systemic difficulties that maintain humans from build up the resources they should create a reliable lifestyles for themselves and their households. a true, attainable plan to finish poverty, Rathke argues, calls for a two-pronged strategy. First, we have to create wealth via domestic possession, and activity acquisition and protection, lengthens the gap among the negative condo and the secure condominium. moment, we should also hinder the predatory makes an attempt to minimize the really little wealth that many low and moderate-income households have. Such dual-track wealth-building methods guard opposed to the vicissitudes of source of revenue: transitority activity loss, wellbeing and fitness concerns, credits regulations and extra.
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Extra info for Citizen Wealth: Winning the Campaign to Save Working Families
We need to create a national economic and political consensus that increasing family income, wealth, and assets is not welfare or an entitlement “giveaway” program but an investment in the public good. We need to win and then to implement programs that create a government and business climate that is family friendly and focuses on increasing citizen well-being and the creation of social and public goods and, as a central part of that focus, on increasing citizen wealth. We cannot ensure the health of our democracy without substituting a wide-ranging effort to create more citizen wealth and beneﬁts for the current dominant political and business models that embrace only caveat emptor or the survival of the ﬁttest.
This is because such factors affect the intergenerational transfer of wealth, or more plainly, the lack of such transfers. Wealth, much more than the sins of the fathers, is passed down from generation to generation. The ability or inability of a family to maneuver its way into home ownership and hang on to any kind of higher-paying job means that future generations are forced to continue to climb the ladder rung by rung, which is the hardest way to get up from the bottom of the citizen wealth pile.
We collected cases of what seemed to us to be predatory practices and turned them over to consumer advocates and attorneys general all over the country. We did study after study to try to document that Household Finance was up to no good. Lisa Donner, the head of the ACORN Financial Justice Center at that time, cultivated contacts among Wall Street ana- 36 CREATING CITIZEN WEALTH lysts and was constantly on the phone with them to make sure they understood the business practices of the company and the problems they might raise.