This project employed a descriptive case study methodology guided by rational choice theory to examine the financial feasibility of marriage for low income women. By modeling the income and expenses of eight different low income family types in six states (Arizona, California, New York, Oklahoma, Virginia, and Wisconsin) this study illustrates the financial situation of various low income families. The family types under investigation include: a single parent family, a family receiving TANF, cohabiting couple with two wage earners, cohabiting couple with one wage earner, a married family with two wage earners, a married couple with one wage earner, a unmarried couple with an infant (unmarried fragile family), and a married couple with an infant (married fragile family). The income of each family type was calculated at two different wage levels (minimum and low wage for each state under investigation). Income included the welfare benefits and subsidies each of the family's is likely to receive (including child care subsidies and tax credits). The expenses of each family were calculated based on the size of the family and the cost of expenses such as housing and food expenditures. This study found that of the models presented here married families are not always financially better off when compared to single parent and cohabiting families. These findings demonstrate that if policy makers wish to support marriage among low income families they should first make marriage financially feasible for unmarried couples (particularly cohabiting couples) and create greater economic stability for couples that are already married. By providing consistent work supports (e.g. child care and health insurance), expanding programs that help low income families (such as the Earned Income Tax Credit), creating poverty measures that accurately reflect the real situation of low income families, and increasing the wages of low income workers, policy makers will create an environment where it is financially feasible for low income couples to marry and remain married. (author abstract)
Financial feasibility of marriage for women receiving TANF: An analysis of six states
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