AUSTIN, Texas - Affordable housing can be key to helping working families gain and keep financial stability, but for many across Texas the costs of rent and utilities are taking more than their share of the monthly budget.

The Center for Enterprise Development analyzed the latest data, and senior research manager Kasey Wiedrich said they found nearly half of renters in the state are what's called "housing-cost urdened."

"Forty-eight percent of renters are spending more than 30 percent of their income on housing costs," she said. "So, almost half don't have an affordable place to live, by housing industry standards."

For homeowners in Texas, the rate is substantially better, with less than one in three considered housing-cost burdened.

Wiedrich said the high cost of housing doesn't allow for families on the edge to save for emergencies, a factor that is a major contributor to the "liquid-asset poverty rate." In Texas, that rate is 50 percent.

"With liquid asset poverty," she said, "we're looking at the rate of households that don't have enough liquid savings - cash in the bank, savings accounts, even retirement accounts that people could fairly easily tap into - so that they could make it for three months at the poverty level if their income went away."

The group's latest "Assets and Opportunities Scorecard" also shows how Texas is faring in areas such as jobs, health care and education. The scorecard is online at assetsandopportunity.org.


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By Marianne Dhenin for Yes! Media.
Broadcast version by Mark Richardson for Mississippi News Connection reporting for the Yes! Media-Public News Service Collaboration

As kids head back to school and the general election nears, there's a question on the minds of many families: How will the election outcome affect kids and their education?

Polling from the National Parents Union (NPU) has found that heading into the election, economic issues are top of mind for many parents of school-aged children. "Times are tough, and parents are walking an economic tightrope every single day," wrote Keri Rodrigues, co-founder and president of the NPU, about the poll results.

While the U.S. boasts one of the largest economies in the world, it leads high-income countries in the proportion of kids living in poverty at over 16%.

The good news is that these issues can be addressed through government policies. Past policies and policies pursued in different countries offer an evidence-based blueprint for doing so.

A recent example of an intervention that lifted kids out of poverty in the U.S. is the 2021 American Rescue Plan's Child Tax Credit, which provided monthly checks to families earning less than $150,000 per year with young children. The program delivered dramatic results, cutting child poverty almost in half and narrowing the racial child-poverty gap. However, Congress allowed the program to lapse after just one year, and child poverty predictably shot up again.

Canada also saw striking results when it implemented the Canada Child Benefit in 2016, providing monthly, nontaxable payments to low- and middle-income families with kids between the ages of 6 and 17. That program cut child poverty, supported families' food security, and boosted the economy. Similarly, some European countries have reduced the proportion of children at risk of poverty by as much as 16% through universal programs supporting families with children with cash assistance.

Similar programs exist in the U.S., but they are patchwork, and many are still in the testing phases. At the state and local levels, more than 150 guaranteed-income initiatives have been launched nationwide since 2017, showing positive effects on kids and families. In Jackson, Mississippi, participants in the fourth cohort of the Magnolia Mother's Trust Program, which gives $1,000 per month for 12 months to Black mothers, reported that the funds helped them purchase needed shoes and clothes for their children, allowed their kids to participate in more field trips and cultural activities than before, and improved their relationships with their children.

Beyond direct cash support, universal preschool and childcare programs in some European countries have been shown to support childhood development, especially among kids from marginalized communities. Currently, childcare is one of the biggest expenses for families of young children in the U.S., often rivaling rent. Government spending on early childcare programs can help address poverty, reduce gender disparities in the workforce, and support women who pursue careers alongside parenting.

"The research is pretty clear and universal," explains Michelle Bezark, a senior researcher at the Center for Early Learning Funding Equity at Northern Illinois University. "Early childhood programs that are well funded have immense long-term benefits for children, families, and society at large."

The bad news is that if Donald Trump is re-elected, he is not expected to pursue the interventions needed to address the dire issues facing the nation's children, such as poverty. Rather, he's likely to do the opposite, judging by the presidential playbook drawn up by the Heritage Foundation's Project 2025. At least 140 of his former staffers are involved in the project, whose mandate lists protecting children as one of its main goals. Yet Project 2025 promises to reorganize or even eliminate lifelines for families, including subsidized housing, cash assistance, school meals, and Head Start programs.

"It would be a disaster," says Timothy Smeeding, the Lee Rainwater Distinguished Professor Emeritus of Public Affairs and Economics at the University of Wisconsin-Madison and former director of the university's Institute for Research on Poverty. "Some of these programs are really important, and they would be cut by Project 2025."

If Trump were elected and Project 2025's proposals pursued, experts anticipate that children and families could face worsening impoverishment, hunger, and homelessness. Households with marginalized members, including immigrants, disabled people, and people of color, are the most at-risk under the proposals for families and kids.

Child poverty often manifests as homelessness. More than a million school-age children face homelessness each year nationwide, and tens of millions of kids live in households that teeter on the brink of eviction. Despite the urgent need to address homelessness among children, the proportion of families benefiting from Housing and Urban Development subsidized housing programs has declined in recent years as the number of families in need rises, the number of affordable housing units falls, and federal housing assistance remains underfunded.

Rather than bolstering subsidized housing programs to keep kids housed, Project 2025 proposes new restrictions on access to these programs. Proposals in Project 2025 would also bar mixed-status households from accessing federal housing subsidies, making families whose members include people with different citizenship or immigration statuses ineligible to receive support. Trump floated the idea of implementing restrictions on mixed-status households during his first term in 2019, and analysts estimated that children would make up more than half of the population to lose housing under such a rule.

Food insecurity and hunger are also manifestations of childhood poverty. Today, more than 17% of households with children are food insecure. The authors of Project 2025 propose gutting programs that help keep kids fed, including the Community Eligibility Program (CEP), Summer Electronic Benefit Transfer (EBT), and Supplemental Nutrition Assistance Program (SNAP). CEP and Summer EBT, also called Sun Bucks, support school-age kids. The former allows low-income schools and school districts to provide free meals to all students. When the school year ends and children no longer receive free or reduced-price school meals, Sun Bucks helps fill the gap.

Meanwhile, SNAP provides EBT to low-income individuals. While the proposals in Project 2025 would not eliminate SNAP, they would implement stricter work requirements and provide fewer exceptions, threatening access for many families.

Both SNAP and Temporary Assistance to Needy Families, another program on Project 2025's chopping block, have existing work requirements for recipients. These requirements were already broadened last year in response to a demand by House Republicans as a condition of raising the debt ceiling. Work requirements are rooted in racist and sexist tropes, such as the so-called "welfare queen" and "con artist" that Ronald Reagan popularized in the 1980s as a way to target government assistance.

Research has shown that work requirements do not improve employment outcomes, and for parents, the requirements can mean having less time to spend with their kids.

The proposals in Project 2025 go beyond threatening the housing, financial, and food security of families and kids, and take aim at the government's Head Start programs, which offer early childhood education, health, and social services to children from birth to age 5 and their families. Bezark says this would have ripple effects across every area of childhood development.

"It would mean a lot of kids would not get the developmental support they need," says Bezark. "That means early intervention services and screening for developmental delays would not happen; kids would not get needed pediatric checkups and immunizations and dental checks, and all of the other wraparound services that Head Start provides."

Eliminating Head Start programs would hit rural areas, disabled kids, and communities of color the hardest. Latine families are more likely to live in childcare deserts and need the services of Head Start. Head Start programs include Migrant and Seasonal Head Start and American Indian and Alaska Native Head Start, which serve agricultural and tribal communities, respectively. Children in foster care and those experiencing homelessness are automatically eligible for Head Start, while disabled kids must fill at least 10% of enrollment slots. Currently, over 787,000 children nationwide participate in Head Start programs.

Rather than gut Head Start programs, the Democratic Party platform promises to expand them. In fact, since entering the presidential race, Democratic nominee Kamala Harris has made childcare a tenet of her campaign. She has also promised to increase the Child and Dependent Care Tax Credit (CDCTC), which Smeeding argues should be a central part of a new tax plan to support the nation's kids and families. The CDCTC would help working families with children offset the cost of childcare. Alongside it, Smeeding suggests increasing the Earned Income Tax Credit and reinstating a Child Tax Credit to ensure "no one falls through the cracks."

Supporting kids and families with solutions like these is popular with voters, too-Democrats and Republicans alike. When polled by the NPU, more than 80% of parents with school-age children supported reinstating the Child Tax Credit, including 84% of registered Democrats, 81% of Independents, and 75% of Republicans. Another poll from the First Five Years Fund found that 86% of voters believe improving the quality of childcare and early learning programs, and making them more affordable for families is a good investment of taxpayer money.

Bezark agrees: "Laying that foundation is crucial to long-term child outcomes and societal outcomes."


Marianne Dhenin wrote this article for Yes! Media.


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Minnesota is in its first cold snap of the fall season, and a new law aims to protect renters from thermostat hang-ups with their landlord.

It coincides with renewed calls for residents in need to tap into heating bill assistance.

A new state law requires landlords to ensure inside temperatures within rental units don't go below 68 degrees between October and the end of April.

And for households struggling to keep up with heating costs, local offices are again assisting with applications for the state's Energy Assistance Program, which helps cover those expenses.

Nicole Paulson - energy assistance program manager for the Southeastern Minnesota Community Action Agency - said it gives families financial breathing room.

"They're able to maybe pay more towards groceries," said Paulson, "or their kids are allowed to do a sporting event that they wouldn't have been able to do."

Just a few years ago, Minnesota expanded income eligibility for this type of aid. For example, a household of four can earn up to $68,000 and still qualify.

Last year, offices under the Minnesota Community Action Partnership network processed nearly 200,000 energy assistance applications.

Even though consumer prices have cooled, Paulson said some households may still be feeling the effects of inflation and are considering this type of aid for the first time.

She said offices like hers can make the application process less stressful.

"We in the office here determine your eligibility," said Paulson, "and based on that, you are awarded a grant."

The typical grant is around $500, which goes to your utility provider to apply to your heating costs. These grants are available to both renters and homeowners.

As for other legal protections, Minnesota has a longstanding Cold Weather Rule, which prevents utility disconnections during the winter - so long as customers behind on their bills work out a reasonable payment plan with their utility.




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Alabama has made some strides in its fight against poverty but substantial challenges remain, according to a new report from the group Alabama Possible.

The annual Barriers to Prosperity report, which examines poverty, food insecurity, educational attainment and health coverage across all 67 counties, revealed mixed progress.

Chandra Scott, executive director of Alabama Possible, said while there are signs of improvement, many issues demand urgent attention.

"We're no longer the sixth-poorest state in the nation. We're the seventh," Scott, pointed out. "We're seeing some positive uptick there, but that still accounts for over 798,000 of our neighbors that are in poverty. And unfortunately, the number of children that sits within that is 237,000."

The report highlighted increasing food disparities, with the percentage of food-insecure children rising from 18% last year to 23% this year.

The report showed slight gains in educational attainment among those in poverty, with an increase in individuals earning associate and bachelor's degrees. However, Scott argued more resources are crucial for those seeking higher education.

"Of course we have federal aid," Scott, acknowledged. "But we as a state, we have to figure out how do we close the gap for students to be able to have degree attainment without financial constraints."

Scott pointed to opportunities identified in the report, particularly the need to re-evaluate the federal poverty threshold for a family of four, currently set just below $30,000 annually. She asserted the figure may not accurately reflect the true cost of living and the essential needs of families.