Financial empowerment strategies are concerned with both the root causes of poverty and financial outcomes for individuals and families living with low income. Because of this, they have been shown to affect long-term financial change, including improved credit ratings, increased savings and income, and reduced levels of debt. When financial matters such as these are addressed, access to routes out of poverty—including education, training, employment and asset/home ownership—are increased. While financial empowerment strategies do not replace other poverty reduction initiatives, they do serve as a key compliment to existing frameworks. The resources in this section explore these concepts further.