Maryland CASH (Creating Assets, Savings and Hope) Campaign 

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Assets include savings of the emergency, short-term, long-term variety, investments, any properties, vehicles, or businesses owned.  Good credit is also an asset. The traditional definition of an “asset” is financial, but broader interpretations may include educational attainment, family stability, access to opportunity, and health.



Asset Building

Asset Building refers to any body of work that seeks to help individuals build their financial futures and attain economic success. This may include education, outreach, product delivery, referrals, research, and advocacy or policy work to remove systemic barriers.



Asset Limit

Asset Limits are regulations in public benefit programs that revoke eligibility based on client assets. For example, in some states, someone may not be eligible for food assistance if they have a balance of more than $2000 in a savings account. Maryland does not have asset limits, in part due to advocacy work by Maryland CASH.



Asset Poor

Any individual or family lacking sufficient assets to survive for three months at the poverty limit given a shock to income. See Liquid Asset Poor for more.



A barrier is anything that impedes individual or group progress. Advocates may refer to workforce dislocation, neighborhood isolation, poor educational systems, and toxic stress environments as barriers to financial stability for low-to-moderate income individuals and families.



A benchmark is a metric against which progress may be measured in the programmatic delivery of services.