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Objectives: The purpose of this study is to review the current empirical research regarding the financial effects of participation in Individual Development Account (IDA) programs. Methods: Peer-reviewed outcome studies identified through electronic bibliographic databases and manual searches of article reference lists are reviewed. A total of 1 randomized controlled trial, 1 quasi-experimental study involving a comparison group, and 13 preexperimental 1-group pretest—posttest studies, were found. Results: Findings suggest IDA participants are capable of saving; however, total amount of savings is limited and may simply represent a reallocation of assets. Additionally, there is little evidence that the poor are enabled to achieve one of the three primary purposes of IDA programs (e.g., home ownership, postsecondary education, and microenterprise). Conclusion: It is premature to conclude that IDAs are an effective means of assisting low-income individuals in the development of assets. A stronger evidentiary foundation is needed, consisting of randomized controlled trials and cost-effectiveness and cost—benefit studies.

<p>Given a need to increase clients' financial capability, social workers need a new set of techniques. Although financial education is a necessary service to increase financial capability, it is not enough. Practice models are needed to address the psychological and behavioral client needs that are exacerbated by inadequate financial management strategies. In this paper, six casework intervention models are discussed: motivational interviewing, harm reduction, marital and family therapy, dialectical behavior therapy, mindfulness training, and financial therapy. One model, the transtheoretical model, unites the six practice models. The need to validate casework interventions is essential through outcome research. Interventions not grounded in outcome research are speculative and may be misleading. A mixed model using quantitative and qualitative research techniques is proposed to build and evaluate casework intervention models.</p>

Substance abuse researchers identify self-efficacy and group cohesion as important components in alcohol and other drug-dependency treatment. Objectives: The purpose of this single-group, pretest–posttest study is to explore the therapeutic value of a challenge course intervention on the self-efficacy and group cohesion of nine chemically dependent, adult females. Methods: Data were collected using two validated outcome measures administered before and after the intervention. Focus groups provided insight into the experiences of participants and were examined using manifest and latent theme analysis. Results: Findings indicate statistically significant improvements on both outcome measures with medium to large effect sizes. Several themes were identified including group unity, trust, interpersonal growth, and self-confidence. Conclusions: Suggestions for practice and future research are provided.

A manualized form of financial therapy for families is proposed to decrease tensions caused by conflict arising on family members' understanding of money. When used with families, financial therapy goes beyond financial education by addressing individual behaviors and attitudes toward personal finance within the dynamics of a family system. To address a therapist's lack of formal training in family systems and/or financial therapy, a manualized form of financial therapy is introduced. A case example is presented to illustrate the benefits of this approach. This article demonstrates that therapists can use a manualized format of financial therapy for families to promote positive changes in a family's dynamics and behaviors in regards to finances.

Abstract
Based on stress sensitization theory and stress proliferation theory, this study was designed to identify adverse childhood experience (ACE) classes and their relationships with perceived stress and self-care behaviors. Hypotheses were that (a) there would be diverse ACE classes among African American social work students; (b) the identified classes embedded in high/multiple ACEs would have greater levels of perceived stress than those in low ACEs; and (c) the identified classes embedded in high/multiple ACEs would have lower levels of self-care behaviors than those in low ACEs. Recruited from one of the South's historically Black colleges and universities, 186 African American social work students completed an online survey. Latent class analysis found three classes fit the data best: low ACEs, high divorce/abuse/neglect, and high/multiple ACEs. Students in the high divorce/abuse/neglect class had the greatest levels of perceived stress and significantly greater perceived stress levels than the low ACEs class. The low ACEs class had greater self-care behaviors than students in the other two ACEs classes. The study revealed diverse ACE classes and the effect of more ACEs on greater perceived stress and lower self-care behaviors, supporting the importance of using a range of approaches to support African American social work students with different ACEs.