Your Money, Your Goals - A financial empowerment toolkit for social services programs.

Table of contents

MODULE 1: Introduction to the toolkit ..................................................................... 1

An introduction to the CFPB............................................................................. 2



Financial empowerment and your life .............................................................. 4



Financial empowerment: A way to improve client and program outcomes .... 4



Making referrals ................................................................................................ 6



The goal of Your Money, Your Goals................................................................ 7

MODULE 2: Assessing the situation ........................................................................ 9

Tool 1: Financial empowerment self-assessment ........................................... 11



Tool 2: Client goal and financial situation assessment.................................. 21

MODULE 3: Starting the conversation ................................................................... 27

When should I bring up money topics? .......................................................... 28



How should I bring up money topics? ............................................................ 29

MODULE 4: Emotional and cultural influences on financial decisions ............... 39

Emotional influences on financial decisions .................................................. 39



Cultural influences on financial decisions ...................................................... 40



Cultural conflicts ............................................................................................. 41

How can this understanding help my clients?................................................ 41

MODULE 5: Using the toolkit .................................................................................. 43

How does it work? ........................................................................................... 43

i YOUR MONEY, YOUR GOALS: A FINANCIAL EMPOWERMENT TOOLKIT FOR SOCIAL SERVICES PROGRAMS