{"id":1608,"date":"2024-11-15T10:55:31","date_gmt":"2024-11-15T16:55:31","guid":{"rendered":"https:\/\/blogs.und.edu\/cnpd\/?p=1608"},"modified":"2024-12-04T09:54:33","modified_gmt":"2024-12-04T15:54:33","slug":"americas-informal-safety-net","status":"publish","type":"post","link":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/","title":{"rendered":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work’s Jeffrey Anvari-Clark"},"content":{"rendered":"
\n
<\/div>\n<\/div>\n

Across all income levels, people provide financial help to loved ones, writes UND\u2019s Jeffrey Anvari-Clark in The Conversation<\/strong><\/p>\n

\"dad
A dad oversees the hanging of art in his daughter\u2019s residence hall room. UND archival photo.<\/figcaption><\/figure>\n
\n

Editor\u2019s note:<\/strong>\u00a0On Nov. 13,<\/em>\u00a0The Conversation<\/a><\/strong>\u00a0<\/em>published an article authored by\u00a0Jeffrey Anvari-Clark<\/a><\/strong>, assistant professor of\u00a0Social Work<\/a><\/strong>. The article describes the role that informal safety nets \u2014 such as financial support from family members \u2014 play in helping Americans cover household expenses.<\/em><\/p>\n

The article is below and can be read in its original form on\u00a0The Conversation\u2019s website<\/a><\/strong>.\u00a0As of Nov. 14, the article has been republished by 17 media outlets and read more than 1,400 times, including by readers in the United States, France, Germany and Australia, among other countries.<\/em><\/i><\/p>\n

The Conversation is a nonprofit\u00a0<\/em>media resource that publishes \u201cexplanatory journalism\u201d stories by university scholars and makes those stories available for free and immediate republicatio<\/em>n.\u00a0A complete list of all articles authored by UND scholars<\/a><\/strong>\u00a0can be found on The Conversation\u2019s website.<\/p>\n

UND faculty members and graduate students who\u2019d like more information on writing for The Conversation are invited to read\u00a0Introducing The Conversation,<\/a><\/strong>\u00a0a story that appeared in UND Today in 2022. Last week, a new story documented how\u00a0UND now has passed 1 million reads in The Conversation;<\/a><\/strong>\u00a0the story quotes UND faculty and administrators, all of whom report standout experiences and say they\u2019d highly recommend that their colleagues become Conversation authors.\u00a0<\/em><\/p>\n

Questions? Please contact Tom Dennis, UND associate director of communications, at\u00a0tom.dennis@und.edu<\/a>,<\/strong>\u00a0or Adam Kurtz, UND strategic communication editor, at\u00a0adam.kurtz.1@UND.edu<\/a>.<\/strong><\/em><\/p>\n

****<\/p>\n

By Jeffrey Anvari-Clark<\/strong><\/p>\n

About 1 in 5 American adults\u00a0regularly provide unpaid care or financial assistance<\/a><\/strong>\u00a0to their adult relatives or friends. And\u00a0about 1 in 7<\/a><\/strong>\u00a0young adults between the ages of 25 and 34 live with their parents.<\/p>\n

But the true extent of support among Americans is deeper and broader.<\/p>\n

From parents covering the cost of unexpected car repairs to colleagues raising funds for their co-workers\u2019 medical expenses, Americans help each other in countless ways.<\/p>\n

As a\u00a0social work<\/a>\u00a0scholar who researches these patterns of what I call \u201cfinancial interdependence<\/a><\/strong>,\u201d I often observe transactions that challenge a common American narrative that most people in this country are handling their expenses on their own.<\/p>\n

A long-standing tradition<\/h2>\n

The practice of sharing money with your friends and loved ones has deep roots in American society. Many Native American communities have\u00a0traditions of sharing food and other resources<\/a>\u00a0with one another.<\/p>\n

In the 19th century,\u00a0mutual aid societies<\/a>\u00a0formed everywhere from Philadelphia to Florida. Many of them helped free Black people weather economic hardships. These organizations provided everything from unemployment assistance to burial expenses.<\/p>\n

Today\u2019s informal support networks echo<\/a>\u00a0these historical patterns.<\/p>\n

In particular, many immigrant communities maintain traditional practices of\u00a0collectively saving and lending<\/a><\/strong>\u00a0money.\u00a0Mexican American families<\/a><\/strong>\u00a0often participate in \u201ctandas,\u201d which pool their savings to achieve financial goals or meet urgent needs. Similarly, West African and Caribbean communities in the U.S.\u00a0organize \u201csusu\u201d groups<\/a><\/strong>, while many Chinese American communities\u00a0form \u201chui\u201d associations<\/a>.<\/p>\n

Local \u201chometown associations<\/a>\u201d additionally often offer both financial and social support to their members \u2013 aiding immigrant communities in the U.S. and people back in their homelands.<\/p>\n

Everyone does it<\/h2>\n

These mutual support arrangements are very widespread and operate across all income levels, though they take different forms. They\u00a0can be secular or religious<\/a><\/strong>. The true extent of this kind of activity is generally unknown.<\/p>\n

Lower-income families often engage in frequent, smaller exchanges. They\u00a0might share grocery costs<\/a><\/strong>, for example, or relatives may help one another out with the payment of large, unexpected bills.<\/p>\n

Wealthier Americans tend to give larger amounts of money to extended family members, but less often. These might include a parent\u2019s\u00a0help with a down payment<\/a>\u00a0on a young adult\u2019s first house or paying a portion of the cost of a\u00a0grandchild\u2019s college education<\/a><\/strong>.<\/p>\n

Some families establish formal structures such as\u00a0financial trusts<\/a><\/strong>\u00a0or\u00a0529 educational savings accounts<\/a><\/strong>\u00a0to make these transfers easier to complete and track. The number of people using 529 accounts\u00a0has been increasing steadily<\/a><\/strong>, as states offer\u00a0matching funds and tax incentives<\/a>.<\/strong><\/p>\n

The nature of this financial support often reflects economic needs and cultural values. In many East Asian American communities, for example, adult children routinely provide financial support to their parents \u2013\u00a0as a cultural expectation<\/a>.<\/strong><\/p>\n

Regardless of the community involved, technology has transformed how people share money with their friends and family.<\/p>\n

Mobile payment platforms make it easier to split costs and send quick assistance.\u00a0Money-transfer apps<\/a><\/strong>\u00a0have normalized small-scale financial sharing among friends and family.<\/p>\n

Online and social media platforms<\/strong><\/a>\u00a0are used to gather resources for medical expenses, funerals or emergency needs. These tools extend traditional support networks beyond geographic boundaries.<\/p>\n

Other kinds of support<\/h2>\n

Financial assistance can extend far beyond direct monetary help.<\/p>\n

Families and communities might\u00a0purchase bulk grocery items<\/a>\u00a0<\/strong>together to save money, or\u00a0live together to manage rising housing costs<\/a><\/strong>. Some parents create\u00a0informal child care cooperatives<\/a><\/strong>, while others coordinate care responsibilities for aging relatives with their extended families.<\/p>\n

Financial education often emphasizes individual savings and budgeting. Yet, many Americans practice\u00a0financial interdependence<\/a><\/strong>\u00a0by managing their finances and making decisions in collaboration with others.<\/p>\n

Addressing challenges<\/h2>\n

To meet\u00a0today\u2019s economic challenges<\/a><\/strong>, Americans are finding creative solutions through shared resources.<\/p>\n

Young adults increasingly\u00a0need more help to become homeowners<\/a>\u00a0<\/strong>than what they can get from a bank. The median home price has far outpaced wage growth, making\u00a0family assistance crucial<\/strong>\u00a0for many first-time buyers<\/strong><\/a>.<\/p>\n

College costs have stabilized, albeit at high levels<\/a><\/strong>, leading more families to pool resources for educational support. This often creates\u00a0long-term financial obligations across generations<\/a><\/strong>.<\/p>\n

Medical expenses remain a leading cause of financial strain, pushing\u00a0families to rely on each other to pay for health-related costs<\/a><\/strong>.<\/p>\n

These support systems work at many levels, including family, community, the workplace and in government.<\/p>\n

Some employers now offer\u00a0emergency loan programs and matching funds<\/a><\/strong>\u00a0for employee hardship. Some businesses create formal peer support systems for employees facing financial challenges.<\/p>\n

A few states<\/a>\u00a0<\/strong>are also supporting family caregivers by providing tax credits to reimburse their out-of-pocket expenses.<\/p>\n

Recognizing the financial burden of caregiving, Michigan Gov. Gretchen Whitmer has\u00a0proposed a tax credit<\/a>\u00a0<\/strong>to support dependent respite services, nursing and transportation.<\/p>\n

Some complications<\/h2>\n

While financial interdependence provides crucial assistance, it can also create challenges.<\/p>\n

Financial responsibilities can strain family and friendship bonds. The provision of too much financial help can create or reinforce\u00a0power imbalances within relationships<\/a><\/strong>. Some communities may not have enough money to be able to equally and effectively assist all members.<\/p>\n

Clear communication and healthy boundaries can help manage these tensions.<\/p>\n

As economic pressures mount for many American families, these informal financial support networks are growing more vital.\u00a0Studies show that rising costs<\/a><\/strong>\u00a0make financial stability increasingly difficult to achieve on your own.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Across all income levels, people provide financial help to loved ones, writes UND\u2019s Jeffrey Anvari-Clark in The Conversation A dad oversees the hanging of art in his daughter\u2019s residence hall room. UND archival photo. Editor\u2019s note:\u00a0On Nov. 13,\u00a0The Conversation\u00a0published an article authored by\u00a0Jeffrey Anvari-Clark, assistant professor of\u00a0Social Work. The article describes the role that informal […]<\/p>\n","protected":false},"author":114,"featured_media":1609,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[252,255],"tags":[261,250,270,264],"class_list":["post-1608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-research","tag-research","tag-social-work","tag-the-conversation","tag-und-today"],"acf":[],"yoast_head":"\nAmerica\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines<\/title>\n<meta name=\"description\" content=\"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines\" \/>\n<meta property=\"og:description\" content=\"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/\" \/>\n<meta property=\"og:site_name\" content=\"College of Nursing & Professional Disciplines\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/UNDCNPD\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-15T16:55:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-04T15:54:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jen Koller\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jen Koller\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/\"},\"author\":{\"name\":\"Jen Koller\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#\\\/schema\\\/person\\\/7fa3a12b2c619d5bfd3878ab1371688d\"},\"headline\":\"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work’s Jeffrey Anvari-Clark\",\"datePublished\":\"2024-11-15T16:55:31+00:00\",\"dateModified\":\"2024-12-04T15:54:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/\"},\"wordCount\":1160,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2024\\\/11\\\/230819-welcome-web.jpg\",\"keywords\":[\"Research\",\"Social Work\",\"The Conversation\",\"UND Today\"],\"articleSection\":[\"News\",\"Research\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/\",\"name\":\"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2024\\\/11\\\/230819-welcome-web.jpg\",\"datePublished\":\"2024-11-15T16:55:31+00:00\",\"dateModified\":\"2024-12-04T15:54:33+00:00\",\"description\":\"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#primaryimage\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2024\\\/11\\\/230819-welcome-web.jpg\",\"contentUrl\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2024\\\/11\\\/230819-welcome-web.jpg\",\"width\":1024,\"height\":683,\"caption\":\"A dad oversees the hanging of art in his daughter's residence hall room.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/2024\\\/11\\\/americas-informal-safety-net\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work’s Jeffrey Anvari-Clark\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#website\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/\",\"name\":\"College of Nursing & Professional Disciplines\",\"description\":\"Updates for students, alumni, and supporters\",\"publisher\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#organization\",\"name\":\"College of Nursing & Professional Disciplines\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2026\\\/04\\\/CollegeofNursingProfessionalDisciplines-RGB_vertical.jpg\",\"contentUrl\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/wp-content\\\/uploads\\\/sites\\\/36\\\/2026\\\/04\\\/CollegeofNursingProfessionalDisciplines-RGB_vertical.jpg\",\"width\":541,\"height\":433,\"caption\":\"College of Nursing & Professional Disciplines\"},\"image\":{\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/UNDCNPD\",\"https:\\\/\\\/www.instagram.com\\\/undcnpd\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/undcnpd\",\"https:\\\/\\\/www.youtube.com\\\/@UNDCNPD\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/#\\\/schema\\\/person\\\/7fa3a12b2c619d5bfd3878ab1371688d\",\"name\":\"Jen Koller\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g\",\"caption\":\"Jen Koller\"},\"description\":\"is marketing & communications coordinator in the UND College of Nursing & Professional Disciplines.\",\"url\":\"https:\\\/\\\/blogs.und.edu\\\/cnpd\\\/author\\\/jkoller\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines","description":"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/","og_locale":"en_US","og_type":"article","og_title":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines","og_description":"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.","og_url":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/","og_site_name":"College of Nursing & Professional Disciplines","article_publisher":"https:\/\/www.facebook.com\/UNDCNPD","article_published_time":"2024-11-15T16:55:31+00:00","article_modified_time":"2024-12-04T15:54:33+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg","type":"image\/jpeg"}],"author":"Jen Koller","twitter_misc":{"Written by":"Jen Koller","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#article","isPartOf":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/"},"author":{"name":"Jen Koller","@id":"https:\/\/blogs.und.edu\/cnpd\/#\/schema\/person\/7fa3a12b2c619d5bfd3878ab1371688d"},"headline":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work’s Jeffrey Anvari-Clark","datePublished":"2024-11-15T16:55:31+00:00","dateModified":"2024-12-04T15:54:33+00:00","mainEntityOfPage":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/"},"wordCount":1160,"commentCount":0,"publisher":{"@id":"https:\/\/blogs.und.edu\/cnpd\/#organization"},"image":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#primaryimage"},"thumbnailUrl":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg","keywords":["Research","Social Work","The Conversation","UND Today"],"articleSection":["News","Research"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/","url":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/","name":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work's Jeffrey Anvari-Clark - College of Nursing & Professional Disciplines","isPartOf":{"@id":"https:\/\/blogs.und.edu\/cnpd\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#primaryimage"},"image":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#primaryimage"},"thumbnailUrl":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg","datePublished":"2024-11-15T16:55:31+00:00","dateModified":"2024-12-04T15:54:33+00:00","description":"Across all income levels, people step up to financially support loved ones. UND's Jeffrey Anvari-Clark dives into this topic.","breadcrumb":{"@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#primaryimage","url":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg","contentUrl":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2024\/11\/230819-welcome-web.jpg","width":1024,"height":683,"caption":"A dad oversees the hanging of art in his daughter's residence hall room."},{"@type":"BreadcrumbList","@id":"https:\/\/blogs.und.edu\/cnpd\/2024\/11\/americas-informal-safety-net\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blogs.und.edu\/cnpd\/"},{"@type":"ListItem","position":2,"name":"America\u2019s informal safety net: Across all income levels, people provide financial help to loved ones, writes UND Social Work’s Jeffrey Anvari-Clark"}]},{"@type":"WebSite","@id":"https:\/\/blogs.und.edu\/cnpd\/#website","url":"https:\/\/blogs.und.edu\/cnpd\/","name":"College of Nursing & Professional Disciplines","description":"Updates for students, alumni, and supporters","publisher":{"@id":"https:\/\/blogs.und.edu\/cnpd\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blogs.und.edu\/cnpd\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/blogs.und.edu\/cnpd\/#organization","name":"College of Nursing & Professional Disciplines","url":"https:\/\/blogs.und.edu\/cnpd\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/blogs.und.edu\/cnpd\/#\/schema\/logo\/image\/","url":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2026\/04\/CollegeofNursingProfessionalDisciplines-RGB_vertical.jpg","contentUrl":"https:\/\/blogs.und.edu\/cnpd\/wp-content\/uploads\/sites\/36\/2026\/04\/CollegeofNursingProfessionalDisciplines-RGB_vertical.jpg","width":541,"height":433,"caption":"College of Nursing & Professional Disciplines"},"image":{"@id":"https:\/\/blogs.und.edu\/cnpd\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/UNDCNPD","https:\/\/www.instagram.com\/undcnpd\/","https:\/\/www.linkedin.com\/company\/undcnpd","https:\/\/www.youtube.com\/@UNDCNPD"]},{"@type":"Person","@id":"https:\/\/blogs.und.edu\/cnpd\/#\/schema\/person\/7fa3a12b2c619d5bfd3878ab1371688d","name":"Jen Koller","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/680b52e00572c8eefaa19da3e0719a4f66c5993532c65878fb9859c7e61e9c9a?s=96&d=mm&r=g","caption":"Jen Koller"},"description":"is marketing & communications coordinator in the UND College of Nursing & Professional Disciplines.","url":"https:\/\/blogs.und.edu\/cnpd\/author\/jkoller\/"}]}},"_links":{"self":[{"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/posts\/1608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/users\/114"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/comments?post=1608"}],"version-history":[{"count":2,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/posts\/1608\/revisions"}],"predecessor-version":[{"id":1620,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/posts\/1608\/revisions\/1620"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/media\/1609"}],"wp:attachment":[{"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/media?parent=1608"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/categories?post=1608"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.und.edu\/cnpd\/wp-json\/wp\/v2\/tags?post=1608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}