Regional Event in North Texas

North Texas: Income Volatility: Why it Destabilizes Working Families and Sector-Based Approaches that Make a Difference

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This North Texas AFN event was hosted by Dallas Women’s Foundation & Communities Foundation of Texas


Wednesday, November 15th, 2017
Forum: at the Dallas Women’s Foundation
8:30 a.m. – Registration, Coffee & Networking
9:00 a.m. – Issue Forum
11:15 a.m. – Program Concludes

Funder-Only Meeting directly following the Forum, at Communities Foundation of Texas
11:15 a.m. – Funder-only Lunch & Debrief
12:30 p.m. – Funder-only Lunch & Debrief concludes


Forum: Dallas Women’s Foundation
150 N. Central Expressway, Campbell Centre II
Dallas, Texas 75206

Funder-only Meeting:
Communities Foundation of Texas
5500 Caruth Haven Lane, Dallas


North Texas AFN hosted a Forum event on Wednesday, November 15 on the important conversation about the impact of income volatility on working families in North Texas.  Funders and nonprofit practitioners learned more about this important issue and interventions that can make a difference for North Texas families.

With all of the attention on the “gig economy” and the future of work in the U.S., income volatility – the idea that workers today are not only seeing their wages stagnate, but also fluctuate more than ever before – is now widely viewed as a key component of financial security.

Income volatility seems to hit younger, single-parent families of color harder than others. And while, perhaps predictably, volatility makes it harder to manage cash flows and can trigger demand for high-cost financial credit products, it also seems to have serious downstream effects on the health and education outcomes of children. Essentially, income volatility undermines every investment in education, public health, and economic development, chipping away at what would otherwise be positive returns.

How is income volatility impacting workers in North Texas and what are the implications for the region? What are potential sector based solutions?


Joanna Smith-Ramani, Financial Security Program / EPIC at The Aspen Institute
Lauren Gates, RAISE Texas
Andrea Glispie, Pathways to Work, United Way of Metropolitan Dallas
Garrett Groves, Center for Public Policy Priorities
Ricki Lowitz, WorkingCredit
Adria Schmidt, Neighborhood Trust
Joe Antolin, Asset Funders Network (moderator)


North Texas AFN Steering Committee members include:

Rose Bradshaw, North Texas Community Foundation
Grant Coates, The Miles Foundation
Sarah Cotton Nelson, Communities Foundation of Texas
Laura Duty, Carl B. & Florence E. King Foundation
Susan Hoff, United Way of Metropolitan Dallas
Dena L. Jackson, Dallas Women’s Foundation
Annika Little, Asset Funders Network
Denise Mason, BBVA Compass
Sue Matkin, United Way of Tarrant County
Alfreda B. Norman, Federal Reserve Bank of Dallas
Dora Ramirez, Wells Fargo
Allison Salas, The Mike & Mary Terry Family Foundation
Kathy Smith, Meadows Foundation
Debbie Taylor, Citibank
Michelle Thomas, JPMorgan Chase & Co.

The North Texas Asset Funders Network is a collaborative effort developed to bring grantmakers together to share and learn around the topics of asset building and financial capability.