The MIT Living Wage Calculator estimates the income families need to cover basic expenses based on where they live and family size. It helps clarify a common disconnect in Temporary Assistance for Needy Families (TANF) work—employment alone does not always equal economic stability. Practitioners can use it to ground conversations about self-sufficiency in local reality, making it easier to connect job planning and financial goals to actual household needs and improve family stability.

This resource by Chapin Hall takes a closer look at how adoption systems can better support children and the families who step in to care for them. For Temporary Assistance for Needy Families (TANF) programs—which often work with relative caregivers and families connected to the child welfare system—this resource offers useful perspective on where families tend to encounter barriers and what more effective support can look like. It highlights opportunities to improve coordination and reduce confusion during what is often a complex and emotional process. TANF practitioners can use this information to better guide caregivers, strengthen collaboration with child welfare partners, and ensure families have access to both financial assistance and the broader supports that help foster placements remain stable over time.

This resource explains how state and federal policies may create “marriage penalties” (financial disincentives to marry) or “marriage bonuses” (financial incentives to marry) for low-income families. For Temporary Assistance for Needy Families (TANF) programs, this highlights a key challenge: families may face tradeoffs between financial stability and forming or maintaining two-parent households.

This report can be a useful tool for practitioners to better understand why clients may hesitate to report household changes or pursue marriage. The report helps staff have targeted conversations about program impacts and the benefits of marriage, anticipate barriers, and think through ways to better align TANF services with family stability goals.

This Administration for Children and Families paper examines how certain means-tested tax and transfer programs may create financial disincentives for marriage. It outlines how eligibility thresholds, benefit phase-outs, and combined household income calculations can affect family decision-making.

This California Department of Financial Protection and Innovation guide provides practical tips for couples on managing money together. It covers how to communicate about finances, set shared goals, create a budget, and decide whether to combine or separate accounts. TANF programs can share this resource with participants to help strengthen financial communication, planning, and teamwork in households to support family stability and long-term economic security.

These episodes from the Made for Love podcast explore how faith and financial decision‑making intersect: from personal money management to how couples and families navigate budgeting, communication, and shared goals through a spiritual lens. Part 1 focuses on the role of faith in financial perspectives and habits, while Part 2 connects that conversation to family life and long‑term planning.

For TANF programs partnering with faith‑ and community‑based organizations, these discussions can be great conversation starters or supplemental content for financial coaching, workshops, or support groups. Sharing them with participants who value faith‑based insights can deepen engagement around budgeting, planning, and family goal‑setting in ways that resonate with their values and community supports.

This resource shares ten principles for managing money in marriage, covering topics like communication, shared goal-setting, debt management, and long-term financial planning. TANF programs can partner with faith- and community-based organizations to use these principles in workshops or coaching sessions, helping participants explore values-driven financial practices while strengthening family stability. By integrating faith-informed guidance with TANF services, programs can offer participants practical tools for budgeting, planning, and shared decision-making in ways that resonate with their beliefs and community supports.

This companion guide to Your Money, Your Goals offers financial tools and approaches tailored for Native communities. Created by the Consumer Financial Protection Bureau, it highlights strengths, values, and financial practices rooted in Indigenous cultures while offering practical worksheets on budgeting, planning, savings, and goal setting. For Tribal TANF or TANF programs working with Native participants and families, this guide can help make financial education more relevant used one on one in case management or shared in group workshops.

This website is a free financial empowerment toolkit from the Consumer Financial Protection Bureau designed to help frontline staff talk about money with the people they serve and support their meaningful financial progress. It includes 40+ practical tools and handouts on budgeting, tracking income and benefits, managing debt, understanding credit, choosing financial products, and protecting money from scams. TANF programs can share these easy‑to‑use worksheets and guides with participants or integrate them into case management and coaching to help people set financial goals, make smart money decisions, and build stability on their path to long‑term economic security.

This free financial education resource from the Federal Reserve Bank of Dallas offers straightforward, beginner‑level guidance on building personal financial stability and wealth. The guide walks through key topics like setting goals, creating a budget, saving and investing, managing debt, building credit, and protecting earnings — all framed in an approachable way for individuals and families. TANF programs can share this with participants as a practical tool for strengthening financial confidence and planning and building habits that support long‑term economic security.