Psychiatr Rehabil J. 2013 Mar;36(1):1-3. doi: 10.1037/h0094739.
People with psychiatric disabilities often face complex financial situations that make them unable to exercise choice in how their financial resources are allocated to needs including health care, housing, education, leisure pursuits, and other important life activities. One avenue to address these barriers is by helping people increase their financial literacy or knowledge of how to manage and budget their money effectively, accumulate assets, and reduce or deal with debt. However, our field has not focused sufficient attention on improving the financial literacy of the people we serve. Unfortunately, people with mental illness are significantly less likely to have any savings than those without mental illness. This makes them excellent candidates for state and federal programs that help low-income individuals accumulate savings that are exempt from asset limits for all federal means-tested programs. Growing out of these efforts, a field known as "asset-based welfare" has evolved to understand the role of assets in the promotion of individual and collective welfare. In an uncertain economy, the time is right for the field of psychiatric rehabilitation to expand its focus to include community and economic development activities that promote financial security.
精神障碍患者常常面临复杂的财务状况，导致他们无法在医疗保健、住房、教育、休闲活动和其他重要生活活动等需求的财务资源分配上做出选择。解决这些障碍的一个途径是帮助人们提高金融知识，即了解如何有效管理和预算资金、积累资产以及减少或处理债务。然而，我们的领域并没有足够关注提高我们所服务人群的金融知识水平。不幸的是，患有精神疾病的人比没有精神疾病的人更不可能有任何储蓄。这使他们成为州和联邦计划的理想人选，这些计划可以帮助低收入个人积累储蓄，而这些储蓄不受所有联邦福利金计划的资产限制。在此基础上，一种被称为“基于资产的福利”的领域逐渐发展起来，以了解资产在促进个人和集体福利方面的作用。在经济不确定的情况下，精神病康复领域将其重点扩大到包括促进财务安全的社区和经济发展活动的时机已经成熟。
