1. United Way ALICE Report: Ozaukee County
The ALICE Project began as a pilot program in New Jersey, and has expanded to include 17 states, which represent nearly 40 percent of the U.S. population. United Way’s across the countries have embraced the model because it is a more comprehensive analysis of the state of financial instability in our communities. The official US poverty rate, which was developed in 1965, has not been updated since 1974, and is not adjusted to reflect cost of living changes over time, nor is it adjusted to reflect cost of living differences across the country.
The first ALICE report came out in 2010 and measured change before and after the Recession in This update focuses on the recovery, measuring change and tracking trends from the baseline of followed by the even years since 2012-, 2014, and 2016.
The 2016 will serve as a baseline from which to measure the effects of the Affordable Care Act and new policies implemented under the Trump administration
We understand that there are people who barely scrape by, living from paycheck to paycheck, prioritizing which bills get paid each month and which do not, and hoping that no one gets sick. Many of us work with and for these families and individuals but never really know the extent of just how many “working poor” there are. Thanks to  ALICE—a United Way project that stands for “Asset Limited, Income Constrained, Employed.”
United Way ALICE Report: Ozaukee County
October 9, 2018

2. What does the ALICE Report describe?
Household survival budget
ALICE Threshold
Workforce Trends and Job Opportunities
Basic Need and Public Assistance Comparison
The Household Survival Budget calculates the actual costs of basic necessities (housing, child care, food, health care, and transportation) in Wisconsin, adjusted for different counties and household types.
The Household Survival Budget is used to define the average income that a household needs to afford the basic necessities. The ALICE Threshold
includes both poverty level households and ALICE
The Economic Viability Index evaluates the economic and community conditions in each county which make it easy or difficult for a household to support themselves financially. Housing, Jobs available, Community supports
The ALICE Income Assessment is calculation of all sources of income, resources, and assistance for ALICE and poverty-level households. The Assessment reveals a significant shortfall from what is needed for households to attain the ALICE Threshold.

3. More than one in three households in Wisconsin could not afford basic needs such as housing, child care, food , transportation, and health care.
The ALICE report still shines a light on the hundreds of thousands of neighbors that are struggling to afford basic living needs and that we need to continue the conversation about the mismatch between the basic cost of living and the wages of many jobs across the state. The Alice data challenges persistent assumptions and stereotypes about people who cannot afford their bills or are forced to use social services like food- YES , even in one of the most affluent counties in the state suburban poverty exists, and you may surprised at the numbers.

4. What does it cost to live in Wisconsin?
Side by side comparison of what it costs to live in Ozaukee County versus the rest of the state. Bare bones budget does not take into account savings account, health care coverage
Housing, Childcare, Taxes are more expensive in Ozaukee County
Technology was not in the original report but has been added , it includes basic smartphone and home internet service
Misc. (Includes 10% of the budget total to cover cost overruns. This category can also cover additional essentials such as toiletries, diapers, cleaning supplies or work clothes.
National incomes increased by 11 %, compared to a 14% wage decrease in Wisconsin.
The ALICE methodology was conceived to develop real-time data on income and expense at the state and local levels. The Report explains what it costs to function at the most basic level in the local economy in each Wisconsin county, using the Household Survival Budget.
Basic costs increased from 2010 to % for a single adult, 18% for a family of four - compared to 9% inflation
Source: U.S. Department of Housing and Urban Development (HUD), 2016; U.S. Department of Agriculture (USDA), 2016; Bureau of Labor Statistics (BLS), 2016; Consumer Reports, 2017; Internal Revenue Service (IRS), 2016; Tax Foundation, 2016; Wisconsin Department of Children and Families, 2016.

5. Financial hardship is increasing over time
Red line illustrates the ALICE threshold= In 2016, six years after the end of the Recession, many hh in WI were struggling to find jobs with high wages and long enough hours to cover the basic monthly household expenses.
The total number of households increased by 2% between 2010 and 2016 to 2, but the number of ALICE and poverty - level house households increased by even more ( 5%)
Ozaukee-The total number of households increased by 2% between 2010 and 2016 to but the number of ALICE and poverty - level house households increased by even more 4 %
Demands for services from the non profits was not decreasing from the double digit increases but rather continuing to increase both in sheer numbers and the complexity of services. Families are struggling to thrive in what is considered a county of affluence. For many of us, what also resonated with us was that local safety nets have some unique challenges from our urban counterparts. Suburban non profits lag far behind cities in the capacity of non profits and philanthropy.
The official US poverty rate, which was developed in 1965, has not been updated since 1974, and is not adjusted to reflect cost of living CHANGES OVER TIME , NOR IS IT ADJUSTED TO RELECT COST OF LIVING DIFFERENCES ACROSS THE COUNTRY.
The ALICE methodology was conceived to develop real-time data on income and expense at the state and local levels. The Report explains what it costs to function at the most basic level in the local economy in each Wisconsin county, using the Household Survival Budget.
In Ozaukee County we have 5% of the households are living below the poverty line and we have an additional 20% of the population below the ALICE Threshold and on the edge of financial crisis.
Source: American Community Survey, 2016, and the ALICE Threshold, 2016

6. Sub County Data by City
Grafton being on the lower end and Village of Saukville on the higher end of the ALICE threshold

7. Two age brackets that are having the biggest impact on overall demographics for the state is the Millennials and the Baby Boomers
Millennials are covered by the youngest two brackets and baby boomers by the oldest two
the # of Senior households increased statewide by 16% and Ozaukee County has one of the highest population of people 65+ years of age. at 18.6%.
It is particularly important to understand the monetary challenge seniors face. As people age, health issues increaser along with associated costs of care. The gap is between benefits and expenses is getting wider. The purchasing power of social security payments dropped by 30% from to Social security omits dental care, foot care, eye exams, and glasses, home health aides and most health care equipment> It does not include custodial care or long term care. It could be upwards to at least 11% higher then a the Household Survival Budget.

8. ALICE households are composed of all races and ethnicities
Wisconsin has the third largest in the US Hmong population
Source: American Community Survey, 2016, and the ALICE Threshold, 2016

9. ALICE households vary by family type
Households headed by single or cohabitating adults, 18 – 64 years, with no children are the most common household type in Wisconsin (49 percent of all households)
Source: American Community Survey, 2016, and the ALICE Threshold, 2016

10. ALICE lives in all counties in Wisconsin
Drill down options on the website
Zip code
County subdivisions
Places
Congressional districts
PUMAs
This illustrates the increasing number of households below the AT over the past 6 years by towns and cities.
This focus on the county level data is important because state averages mask significant differences between counties. For example the % of households below the ALICE Threshold in WI ranges from 27 % in Ozaukee County to 62 % in Menominee County.
In 2016, ALICE and poverty- level hh represented more than 35% of hh in most Wisconsin town and cites. Ozaukee County is at 27% one of the lowest in the county
Pass out county data
UnitedWayALICE.org
Source: American Community Survey, 2016, and the ALICE Threshold, 2016

11. Workforce Trends and Job Opportunities

12. How much are people earning in Wisconsin?
Wages needed to support the Household Survival Budget:
Statewide
Single adult $9.92/hour
Family of four $30.81/hour
Ozaukee County
Single adult $10.85/hour
Family of four $35.83/hour
For comparison, in 2010, 68% of jobs paid less than $20/hour
In Wisconsin , 62 % of jobs pay less than $20 per hour, compared to in % . More than half of those 62% paying less than $15.00 per hour. Another 32% of jobs paying between $ per hour. Less than 6 % of jobs pay more than $40 per hour.
Source: Bureau of Labor Statistics, 2016

13. It matters where ALICE works
This is a new slide. You may decide to not use if for some audiences. For strategic planning at the credit union it might be interesting for them.
Source: U.S. Census, Quarterly Workforce Indicators (QWI), 2016

14. ALICE workers keep the economy running
ALICE workers are “Maintainers”
They care for the workforce and build and maintain the infrastructure
In 2016, only two of the top 20 occupations – general and operations managers and registered nurses– paid enough to support the Household Survival Budget for a family of four
Source: Bureau of Labor Statistics, Occupational Employment Statistics (OES) Wage Survey - All Industries Combined, 2016.

15. Basic Needs and Public Assistance

16. This slide helps to illustrate the gap between what ALICE currently earns and receives in help through public assistance and nonprofits and what all households below the ALICE Threshold need to pay for their basic needs.

17. What Next?

18. What can be Done? Community (policy) Organizations (practice)
Individuals (perception/ action)
When people ask what can be done? My response is we all have a role in helping ALICE reach financial stability….
Individuals – remove biases and seek to understand why someone is struggling. To not judge, etc. Also, get involved volunteer, help a neighbor, etc.
Organizations – identify practices that address some of the issues ALICE faces.
Community – What policies get in the way of ALICE thriving.

19. Ideas What else? Access to high quality early care and education
Increase # of 4 and 5 star child care opportunities
Resolve gaps in child care availability and access (2nd and 3rd shift)
Helping families attain and maintain self-sufficiency
Teach asset-building from an early age
Address gaps in affordable housing
Removing barriers to employment
Help someone overcome a real challenge in order to stay employed
Are their solutions to graduating benefits to address the cliff?
Access to health and mental health services
Time away from work effects individuals, families and business
Create access to the services people need
Connect people to services by partnering with Ozaukee Initiative
What else?

20. Thank you for your commitment to ALICE