Future Hindsight

Revisit some of the highlights of this season that gave us so much insight into poverty in America, added to our discourse, and helped us revise our thinking.

The end of welfare

Welfare ceased being guaranteed after reform in 1996. Although the safety net for the working class was strengthened through tax credits, the safety net for those who are jobless disappeared. In its current state, the welfare system is overwhelming and underfunded. States are given block grants that they can spend at their discretion. For example, Louisiana spends its money on anti-abortion clinics. As a result, over the course of a year, about 3.5 million children live in households with virtually no cash income for at least 3 months.

Cash is king

Cash has the ultimate function: it can be used to pay rent, utilities, food, school supplies, and more. Although food stamps (SNAP) and Medicaid help needy families, these cashless forms of assistance cannot address other necessities in life. Access to cash can be pivotal to keeping a job – to fill your car with gas so you can go to work – or a roof over your head while you look for a new job after being downsized.

The poor are true Americans

America's poor are the very embodiment of American ideals. Living in poverty is incredibly complex, a daily challenge to which the poor rise. They take pride in their work and find purpose at the workplace. They are hard-working, resourceful, and enterprising. Poor families spend their money wisely to keep their children fed and sheltered, and they stretch every dollar to make ends meet.

Find out more: Kathryn Edin is one of the nation's leading poverty researchers, working in the domains of welfare and low-wage work, family, life, and neighborhood contexts through direct, in-depth observations of the lives of low-income populations. A qualitative and mixed-method researcher, she has taken on key mysteries about the urban poor that have not been fully answered by quantitative work, such as how do single mothers possibly survive on welfare? Why don't more go to work?

She has authored 8 books and some 60 journal articles. $2 a Day: The Art of Living on Virtutally Nothing in America, co-authored with Luke Shaefer, was met with wide critical acclaim. It was included in the NYT 100 Notable Books of 2015, cited as "essential reporting about the rise in destitute families."

Kathryn Edin is one of the nation’s leading poverty researchers, who works in the domains of welfare and low-wage work, family, and life, through direct, in-depth observations of the lives of low-income populations. We discuss the evisceration of welfare, the rise of destitution, and the absolute necessity of cash in an advanced capitalist society.

Poverty is widespread

Hardship in America is common. In all of rich democracies, we have the highest rates of poverty among the elderly and also among children. In fact, the majority of Americans will be poor for a significant period of time over the course of their lives: 62% percent will have their income at the bottom 20 percent for a year or more in their adult life, and 42% percent have income for a year or more at the bottom 10 percent of the distribution. About 21% of children live in families with incomes below the federal poverty level.

Misconceptions about poverty

Americans perceive poverty to be the result of bad decisions and judgments, a moral failure of an individual. Most poverty is, in fact, insecurity because the poor do not have stable, well-paying jobs. Most of the poor do have jobs, but they slip in and out of the official poverty rate on a regular basis. They are living on the margins and are one crisis away from devastation. The immense stress due to being poor causes a cognitive impairment load in both children and adults that reduces their ability to engage in good decision making. Finally, inequality makes it difficult for democratic political systems to function effectively.

Assistance that works

There is a convergence among researchers that the single most efficient and effective means of reducing poverty is cash assistance. Successful public policy examples include the GI Bill after WWII, which provided free college education, a living stipend, free medical care, and subsidized mortgages; Social Security lifted 27 million people above the poverty line in 2017; and in the same year, the Earned Income Tax Credit that benefits the working poor with a tax refund helped 8 million Americans out of poverty.

Find out more:

Stephen Pimpare is a nationally recognized expert on poverty, homelessness, and U.S. Social policy. He is also a Faculty Fellow at the Carsey School of Public Policy at the University of New Hampshire and teaches courses on American Politics and Public Policy. His second book, A People's History of Poverty in America, received the Michael Harrington Award from the American Political Science Association "for demonstrating how scholarship can be used in the struggle for a better world." His most recent book is Ghettos, Tramps, and Welfare Queens: Down & Out on the Silver Screen, a history of poverty and homelessness in the movies.

Stephen Pimpare is a nationally recognized expert on poverty, homelessness, and U.S. Social policy, as well as a Faculty Fellow at the Carsey School of Public Policy at the University of New Hampshire. We discuss the history and deep indignities of poverty, the stubborn misconceptions, as well as successful public policies that can guide our future.

Invest in early learning

Because the foundation for all of life's successes -- whether academic, social, or emotional -- is laid in the first five years of life, it is critically important to invest in early learning. This is especially true for children from low income homes, who often do not have access to high quality early learning programs. As early as kindergarten, underprivileged children can be as much as 1.5 years behind the average child and it is very difficult for them to catch up. High quality early care and education is an act of social and educational justice.

Invest in teachers

The early learning workforce is largely female, very diverse, and often paid low wages. Because there is also a gap to access high quality professional development and college degrees, much of this workforce is poor. In a high-quality early learning preschool program, the teachers are well educated and fairly compensated. The quality of early care and education is almost entirely dependent on the teacher in the classroom.

The foundation of a strong society

Developing social and emotional skills through high quality early learning is strongly linked to civic engagement in adults. The role of government is to subsidize access to high quality early learning. Supporting early care and education directly supports our society and our economy. When children reach their fullest potential, they have higher rates of graduation and jobs. The ultimate act of Homeland Security is to invest in our very youngest learners.

Find out more:

Gail Joseph is the Founding Executive Director of Cultivate Learning at the University of Washington College of Education as well as the Bezos Family Foundation Distinguished Professor in Early Learning.

She teaches courses, advises students, provides service, and conducts research on topics related to early learning and equity, child care quality, teacher preparation, early childhood mental health, and school readiness. Gail is also the 2018 recipient of the David R. Thorud Leadership Award at the University of Washington.

Gail Joseph is the Founding Executive Director of Cultivate Learning at the University of Washington and the Bezos Family Foundation Distinguished Professor in Early Learning. We discuss the critical importance of high-quality programs, the costs to society of not investing in this space, and the necessity of a well-educated early learning workforce.

Picking an insurance plan is nearly impossible

Although it is no surprise that picking an insurance plan is complicated, it turns out it is nearly impossible. A study by George Loewenstein at Carnegie Mellon reveals that a majority of Americans will choose a suboptimal plan. With access to a full analysis of all the costs and regulations, 80% of us can make a sound decision.

Insurance companies drive up costs

Insurance companies are not motivated to keep costs down because they can pass them on to us, their customers. Large hospital groups and pharmaceutical companies are also active participants in driving up costs. Patients and independent doctors have no influence in negotiating overall costs down. This is why premiums, deductibles, and co-pays are increasing.

Be vigilant

Always do good research before seeing a doctor to make sure you are in network and you understand how much you'll need to pay out of your own pocket. Always double check the bills afterwards. Invariably, mistakes are made and it will take a lot of effort to rectify the error and not overpay. In cases of emergency this is extremely difficult. Remember that you can negotiate the rates with the hospital if you cannot pay the entire bill.

Find out more:

Dan Weissmann is a radio producer and reporter in Chicago. He's got a strong nerd streak and an artsy side. He has won awards for investigative reporting, feature writing, column writing, and for producing and hosting live radio. Dan has worked as a staff reporter for Marketplace and Chicago's WBEZ, and his work has appeared on NPR's Morning Edition, the BBC, the Center for Investigative Reporting's show Reveal, and 99 Percent Invisible.

Dan Weissmann is the host of a podcast on the cost of health care called An Arm and A Leg as well as a veteran reporter for outlets such as Marketplace and Planet Money. We discuss the complexities of picking a health insurance plan, the extreme vigilance we need to practice as health care consumers, and how to navigate getting good care and good coverage.

The housing crisis started with a policy decision

The leading cause was cutbacks to federal funding for housing for poor people starting with the Reagan administration. In 1978, the federal government was funding about over 300,000 new units of affordable housing each year. In 1983, that number had decreased to under 3,000 each year. Currently, only one in four poor people who qualify for federal housing assistance actually receives it. Working men and women who do not earn enough to pay for housing, such as minimum wage workers, cannot afford housing based on affordability guidelines set by the federal government.

Housing is a human right

Without housing, nothing else is truly possible. Housing is essential for families, children, adults, the ill, and the disabled. Housing is recognized as a human right by the UN and by international treaties, including some that the United States has signed on to. However, even though Congress has set a goal for decent, affordable housing for every family 50 years ago, it has not made it a right. A large and growing percentage of the homeless are families with children. Studies have shown that childhood homelessness is a risk factor for adult homelessness.

The criminalization of homelessness

A wide variety of laws criminalize homelessness by making it a crime for the homeless to be in public spaces, such as sleeping in public, begging in public places, sitting down in public, or living in yofour car. Cities have fined the homeless, arrested them, and put them in jail. Studies show that these measures are not cost-effective. It is more expensive for the police to arrest or cite people, put them through the court process, and jail them. Moreover, when the people are released, they are still homeless, but now have an arrest record, which makes it more difficult to find a job or housing. It is more cost effective to provide housing, and it solves the problem.

Find out more:

Maria Foscarinis is the founder and executive director of the National Law Center on Homelessness & Poverty, and has advocated for solutions to homelessness at the national level since 1985. Among other honors, Maria is the recipient of the 2006 Public Interest Achievement Award from the Public Interest Law Foundation at Columbia Law School and the 2016 Katharine and George Alexander Law Prize from Santa Clara University's School of Law.