Young people aging out of foster care may face a stark reality. They leave the system at 18 with little financial cushion and few of the family safety nets on which most young adults rely. To address this, federal guidance has been issued by the Administration for Children and Families at the U.S. Department of Health and Human Services and the U.S. Department of the Treasury enabling state, territorial, and Tribal child welfare agencies to open dedicated savings and investment accounts called “Fostering the Future Accounts” for children and youth in their care. For Temporary Assistance for Needy Families (TANF) practitioners, this is a critical moment to understand how these accounts fit into the broader picture of economic security for families you serve. Youth in or aging out of foster care are a population TANF programs frequently encounter; understanding how to help youth access and benefit from this new financial tool will position your program to be a more informed connector of services.

Temporary Assistance for Needy Families (TANF) programs often serve young people who are expected to move toward independence while still developing basic skills needed for adulthood, such as managing money, maintaining housing, or making informed health and education decisions. This curriculum by the Virginia Department of Social Services offers a structured way to support that work through practical, ready-to-use workshops organized around key life domains like career preparation, money management, housing, education, health and nutrition, and risk prevention.

For TANF practitioners, the value is in the curriculum’s usability. Each topic includes multiple workshops with facilitator guides and supporting materials, which reduces the burden on staff to design programming from scratch. It can be used flexibly across settings: case management, group workshops, or partner-led programming.

Instead of relying on informal coaching or uneven program content, staff can use a shared curriculum that supports repeatable instruction across participants and sites. This helps create more continuity in services, especially for youth who need reinforcement over time rather than single-touch interventions.

In December 2025, the Administration for Children and Families (ACF) sent letters to 39 governors, calling for immediate action to protect vulnerable foster youth in their states. The letters highlighted the pressing issue of state child welfare agencies diverting foster youths’ earned Social Security survivor benefits. These agencies were intercepting federal benefits, such as Social Security survivor benefits earned through a deceased parent’s lifetime contributions, that were intended for a child in foster care. The agencies then used these funds to reimburse their own costs.

ACF has notified the governors who allowed this practice and is working with states to end it. The goal is to ensure these earned benefits are no longer taken from foster youth and are instead preserved to support them as they transition out of state care.

This One Key Question® tool introduces a simple but structured way for individuals to reflect on whether they want to become parents and when. The resource creates space for intentional decision-making at moments when family planning conversations are often overlooked or rushed. For Temporary Assistance for Needy Families (TANF) programs, it can be used as a conversation starter in coaching or health-focused services, helping participants connect reproductive goals with financial readiness, life planning, and long-term stability. There is a fee for access to the training.

The Opportunity Atlas maps economic mobility across communities, showing how outcomes differ depending on where children grow up. This tool shifts the focus from individual effort alone to the role of place in shaping opportunity. For Temporary Assistance for Needy Families (TANF) practitioners, it can inform planning conversations with families about education, employment pathways, and relocation decisions by grounding them in long-term mobility data rather than short-term outcomes.

The Urban Institute’s Affordability Tracker shows how affordability varies across regions and over time, highlighting pressure points in household budgets. It provides context for understanding why families may struggle even when working by offering updated data on earnings and essential expenses such as housing, health care, child care, energy, and gas. Temporary Assistance for Needy Families (TANF) programs can use this tool to strengthen coaching around location-based challenges and to frame family financial planning within real economic conditions.

The Family Resource Simulator shows how earnings, benefits, and expenses interact as circumstances change. It makes “what if” scenarios visible in a way that is difficult to capture through conversation alone. In Temporary Assistance for Needy Families (TANF) settings, the simulator can support planning discussions by helping families see how small changes in work hours, income, or benefits affect overall stability.

The National Center for Children in Poverty’s Basic Needs Budget Calculator breaks down what it actually costs to meet essential needs like housing, food, childcare, and transportation. It highlights gaps between wages, benefits, and real household expenses. Temporary Assistance for Needy Families (TANF) practitioners can use it to support budgeting work that feels concrete and locally relevant, helping families understand what stability requires in practical terms.

Research from SmartAsset explores what it takes financially for one parent to stay home and the other to support the household. It adds context to the tradeoffs families face when making caregiving and work decisions. Within Temporary Assistance for Needy Families (TANF) services, it can support more realistic financial planning discussions and help families think through how income choices affect stability, caregiving roles, and long-term goals.