The Better Texas Family Budgets:
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1 The Better Texas Family Budgets: Building the Case for Better Jobs, Better Education, Better Opportunities Frances Deviney, Ph.D. Texas Kids Count Director Center for Public Policy Priorities October 29, 2012
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3 @cppp_tx #kidscount
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8 Why did we develop the Better Texas Family Budgets? 8
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10 1 in 3 Texas kids live in singleparent families 2010 American Community Survey (Kids Count Data Center)
11 37% Of Texas kids live in families with a high housing cost burden 2010 American Community Survey (Kids Count Data Center)
12 31% Texas kids have parents who lack secure employment 2010 American Community Survey (Kids Count Data Center)
13 CFED Assets & Opportunity Scorecard: Areas Where Texas Lags Outcome Measure Liquid Asset Poverty Unbanked/Underbanked Subprime Consumers Low-Wage Jobs High-Cost Mortgage Loans Uninsured Rate High School Degrees Rank 33 rd 47 th /48 th 49 th 41 st 47 th 51 st 51 st 13
14 ... the American dream described a mass upward mobility that is just a lot harder to achieve right now. M.I.T. economist, FRANK LEVY From NYT Article: Standard of Living is in the Shadows as Election Issue
15 What is the traditional baseline for family economic security? 15
16 To be considered officially poor, a family of three has to make less than Source: 2011 Poverty Thresholds for a family of 3 with two related children under 18 years old
17 Texas families with two-earners are much less likely to live in poverty American Community Survey 42% 13% 25% Married Single Dad Single Mom
18 1960s: Food was about 1/3 of a family s budget
19 1960s: Food was about 1/3 of a family s budget Federal Poverty Measure = Food Budget X 3
20 Today: Food = 1/7 th Family Budget But Poverty Measure Remains the SAME, only updated annually for inflation.
21 Texas child poverty remains consistently higher than U.S. Recession 27% 22% Texas 23% 25% 23% 23% 17% 18% 19% 18% U.S Census Bureau (Kids Count Data Center)
22 What s missing in the standard poverty measure? 22
23 It Doesn t Account for Differences in Cost of Living Across the Lower 48
24 Modern Families Expenses Rent Health Care Other Necessities Childcare Transportation
25 What are the Better Texas Family Budgets? Conservative definitions No public, private or informal assistance Existing, credible expense data from publicly available sources Promotes financial literacy Highlights areas for positive public policies 25
26 Who is included in the Better Texas Family Budgets? Eight different family types 1-2 Working adults 0-3 children Renters Texas 26 metro areas Families w/ & w/o savings and employment-based benefits Retirement Emergency savings/unemployment insurance Health care 26
27 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 Abilene The Texas Family Budgets estimates what it takes for families to make ends meet in each of Texas 26 metro areas. SELECT NUMBER OF Children Is the family Saving for Emergencies/Rainy Day Retirement College NOTE: The following slides are a mock-up of our upcoming Better Texas Family Budgets website. We will release the live version on our website in mid-november, 2012.
28 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area Abilene SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 SELECT NUMBER OF Children In today s health care market, having insurance is necessary for a most families to receive preventative care and ease medical debt should a crisis occur or chronic problem arise Is the family Saving for Emergencies/Rainy Day Retirement College
29 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area Abilene SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 SELECT NUMBER OF Children Is the family Saving for Emergencies/Rainy Day Retirement College Whether a household includes one or two adults, our family budgets assume all adults are working fulltime, year-round to help make ends meet.
30 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 SELECT NUMBER OF Children Is the family Saving for Emergencies/Rainy Day Retirement College Abilene With all adults in a household working, our family budgets assume children will be either in daycare or in school with after school care. Family size Day Care or School 1 child families Preschooler in day care 2 child families Preschooler in day care + school-age child with after school care 3 child families Infant and preschooler in day care + school-age child with after school care
31 BETTER TEXAS Budgets CHOOSE YOUR Metro Area SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 SELECT NUMBER OF Children Is the family Saving for Emergencies/Rainy Day Retirement College Abilene In terms of economic mobility, or getting ahead, household savings plays an important role in enabling children to rise out of poverty and have better economic success than their parents. As a whole, families who save are more financially stable, and better prepared for retirement and disruptions in income.
32 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 Abilene SELECT NUMBER OF Children Is the family Saving for What does a 2 working adult, 1 child family in Abilene need to Get By? $22 Combined Hourly Wage for 2 working adults 15% Of Abilene jobs don t pay enough for this family type to get by Expenses Housing $ 650 Food 581 Child Care 296 Medical Insurance 1202 Out-of-pocket 96 Transportation 471 Other Necessities 342 Total $3,639 Where does the money go? $ 44,904 Necessary annual income 2.5 x Annual necessary income for this family type is more than twice the federal poverty level. Federal Taxes Payroll Tax $227 Income Tax 247 Earned Income (0) Tax Credit Child Tax Credit (83) Child and Dependent Care Credit (600) Total $( 209) Emergencies/Rainy Day Retirement College No savings Savings Emergencies/Rainy Day $ 33 Retirement 258 College 21 Total $ 312 Family Bottom Line Total Monthly income needed to cover expenses $3742
33 Each adult worker in this family needs to make $11.23 ($22.45 combined) to make ends meet. Do Abilene s jobs pay enough? Abilene s median hourly wage is $13.46 % of Workforce Job type 2012 Median wages, U.S. Bureau of Labor Statistics What about Abilene s top 5 jobs? Median Hourly Wage 18.9% Office and Administrative Support $ % Sales and Related Occupations $ % Food Preparation and Serving $ % Healthcare Practitioners and Technical $ % Education, Training, and Library $19.96 YES NO Share your results Tweet your results
34 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area Abilene SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 SELECT NUMBER OF Children Is the family Saving for Emergencies/Rainy Day Retirement College Single-parent, two child family with no savings
35 BETTER TEXAS Family Budgets CHOOSE YOUR Metro Area SELECT WHO PAYS THE Health Insurance Premium Household pays entire family premium Employer pays all of one adult s premium and half of premium for rest of family SELECT NUMBER OF Adults 1 2 Abilene SELECT NUMBER OF Children Is the family Saving for What does a 2 working adult, 1 child family in Abilene need to Get By? $18 Combined Hourly Wage for 2 working adults 63% Of Abilene jobs don t pay enough for this family type to get by Expenses Housing $ 650 Food 529 Child Care 452 Medical Insurance 730 Out-of-pocket 69 Transportation 319 Other Necessities 331 Total $3,080 Where does the money go? $ 36,826 Necessary annual income 2 x Annual necessary income for this family type is more than twice the federal poverty level. Federal Taxes Payroll Tax $173 Income Tax 165 Earned Income (62) Tax Credit Child Tax Credit (167) Child and Dependent Care Credit (120) Total $ (11) Emergencies/Rainy Day Retirement College No savings Savings Emergencies/Rainy Day $ 0 Retirement 0 College 0 Total $ 0 Family Bottom Line Total Monthly income needed to cover expenses $3,069
36 The adult worker in this family needs to make $18 per hour to make ends meet. Do Abilene s jobs pay enough? Abilene s median hourly wage is $13.46 % of Workforce Job type 2012 Median wages, U.S. Bureau of Labor Statistics What about Abilene s top 5 jobs? Median Hourly Wage 18.9% Office and Administrative Support $ % Sales and Related Occupations $ % Food Preparation and Serving $ % Healthcare Practitioners and Technical $ % Education, Training, and Library $19.96 YES NO Share your results Tweet your results
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38 Better Texas Family Budgets: Help define good jobs Demonstrate the budget impact of individual expenses Shows savings in context of family budget Contain all of the pieces of basic economic security; context for a wide range of policy, personal finance and workforce discussions 38
39 What influences these outcomes? 39
40 What can we do?
41 Enable Children to Reach Their Full Potential
42 Invest in a twogeneration strategy
43 Help parents put their families on a path to economic success
44 Policy Options Reduce largest expenses (e.g. child care) Help workers obtain smaller pieces of security puzzle Promote savings & connect with financial mainstream. Increase wages or attract higher-paying jobs; create career ladders and long-term supportive services Improve access to employment-based benefits Health care reform 44
45 We know we can do big things. It s time to do the right thing.
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47 Thank you! Frances Deviney, PhD Texas KIDS COUNT Director (512) ext. 106
The An alternative to the Federal Poverty Measure
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