This timely text draws on interdisciplinary theory and research to examine the multidimensional risk and protective factors for eight challenges of living frequently encountered by social workers. The authors provide a working model for social workers to integrate the most up-to-date evidence about challenges of living they face in their daily practice. Using a multidimensional biopsychosocial-spiritual perspective, the book examines etiology, course, and intervention strategies related to these eight challenges of living.

Financial Impoverishment

Financial impoverishment
Pamela A.Viggiani, Nazareth College of Rochester

The Salvatierra family faces many challenges, including an ongoing struggle to avoid financial impoverishment. We might consider how financial vulnerability is interrelated with some of the other difficulties this family faces. Their story may prompt us to think about the number of individuals and families having similar financial struggles, both globally and here in the United States. Unfortunately, the Salvatierras' story presents difficulties familiar to many, because, over the last several decades, the world has experienced a rapid increase in poverty and economic inequality (Ehrenreich & Hochschild, 2002; Goode & Maskovsky, 2001; Sachs, 2005). Poverty is a destabilizing force on local, national, and global levels.

Without economic resources, communities are unable to meet the basic needs of their ...

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