# data[].attributes.headline
To have enough and some bandwidth for options

# data[].attributes.subject
To have enough and some bandwidth for options

# data[].attributes.body
Don't struggle with cashflow and some emergency and spare firepower to make changes in life

# data[].attributes.body
Being able to meet my basic needs, have savings and having enough for some luxury once in a while

# data[].attributes.body
being able to meet basic needs and emergency savings to cover unexpected crisis

# data[].attributes.body
to meet basic needs + promote other aspects of wellbeing including health, spiritual, relational, etc

# data[].attributes.body
Having a peace of a mind without having to worry if you will have enough or not.

# data[].attributes.headline
The level of financial freedom reflects the degree of financial well-being.

# data[].attributes.subject
The level of financial freedom reflects the degree of financial well-being.

# data[].attributes.headline
Financial freedom to make choices to lead a comfortable life. 

# data[].attributes.subject
Financial freedom to make choices to lead a comfortable life. 

# data[].attributes.body
no worries about financial commitment

no worries about present situation and future situation

no worries about not having enough

# data[].attributes.body
financial freedom - the ability to make financial choices (from day-to-day purchases to long-term investments) without worry, stress, or negatively impacting one's financial resources + having savings for emergencies so one can get through unexpected crises without significant financial losses

# data[].attributes.body
being able to budget well enough to cover any unanticipated expenditure without feeling distressed

# data[].attributes.body
To have the ability to make choices and don't feel trap.

# data[].attributes.body
Finances not being a barrier to one having a valued and purposeful life.

# data[].attributes.body
generally similar

# data[].attributes.body
Mental well being or contentment could be also part of financial well-being

# data[].attributes.headline
Difficult but not impossible through effective prioritisation.

# data[].attributes.subject
Difficult but not impossible through effective prioritisation.

# data[].attributes.headline
awareness and taking ownership of one's financial situation

# data[].attributes.subject
awareness and taking ownership of one's financial situation

# data[].attributes.body
the ability to manage and move financial resources around with a buffer for any unexpected expenses

# data[].attributes.headline
Having minimal worries about day-to-day finances; able to get by.

# data[].attributes.subject
Having minimal worries about day-to-day finances; able to get by.

# data[].attributes.body
-Able to meet day to day expenses comfortably

-Able to have emergency savings of at least six months

-Able to repay normative debts (housing) comfortably

-Health insurance coverage

-No other debts

-able to have the financial bandwidth to achieve satisfactory quality of life for self and family members.

# data[].attributes.headline
Client usually looks at monthly cashflow and sometimes even daily cashflow

# data[].attributes.subject
Client usually looks at monthly cashflow and sometimes even daily cashflow

# data[].attributes.body
across time, present and future

# data[].attributes.body
Could be different but have not explored understanding and values surrounding financial well-being with families, so not too sure yet. Would say that practitioners come from more privileged backgrounds.

# data[].attributes.body
Freedom to make choices without being too restricted with the liabilities

# data[].attributes.headline
Health and mental health affect one's financial well-being.

# data[].attributes.subject
Health and mental health affect one's financial well-being.

# data[].attributes.body
not just financial aspect but also the emotional aspect of worrying

# data[].attributes.headline
To better my finances without having debts and peace of mind. 

# data[].attributes.subject
To better my finances without having debts and peace of mind. 

# data[].attributes.body
similar - having sufficient finances to meet basic needs and future expenses

# data[].attributes.body
i think low-income families worry more about their basic needs

# data[].attributes.body
for my clients facing financial stressors, they might not have the cognitive bandwidth to think about long-term security as they're focused on the immediate needs especially if they have dependents. it's not a moral failing but a consequence of being in the poverty cycle

# data[].attributes.body
no stress with managing the monies (being able to at least meeting basic needs with no debts)

# data[].attributes.headline
Challenging given their resources and sometimes their habits and values affect their choices in achieving that

# data[].attributes.subject
Challenging given their resources and sometimes their habits and values affect their choices in achieving that

# data[].attributes.body
Client's living in survival and living day to day, challenging to plan or in the headspace for future planning because nil instant gratification

# data[].attributes.body
timelines (long-term, short-term thinking and planning)

# data[].attributes.body
It is also important to me to have a healthy relationship with money -- not too be too liberal with it (especially on pay day) but also not being too strict with myself that i lose all joy.

# data[].attributes.body
Similarities: consideration of one's goals and perspective of an enjoyable life

Differences: the definition on the slide considers security more explicitly

# data[].attributes.headline
Low-income clients financial well-being is usually greatly tied to the subsidies they are eligible for.

# data[].attributes.subject
Low-income clients financial well-being is usually greatly tied to the subsidies they are eligible for.

# data[].attributes.body
It can be different due to the different life experiences that shape us. One could view an item as an assets while we may view it as a liability.

# data[].attributes.body
it will be tough, but i guess with some guidance they will be able to achieve a certain level of financial well-being

# data[].attributes.body
depending at which phase(?) of financial wellbeing they are at. for families who faces challenges in meeting their basic needs, they would not have the bandwidth to think about savings for the future.

# data[].attributes.body
to have freedom to purchase things to meet basic necessities and absence of stress

# data[].attributes.body
i think lower-income families need to work through issues other than financial so that by itself already distracts them from focusing on working towards financial goals

# data[].attributes.body
Clients typically look at financial well-being as the ability to get by with some buffer / savings for rainy days.

# data[].attributes.body
in my experience, i don't want to say it's impossible, but i think clients need to be paced with due to their possibly limited cognitive bandwidth and focused on meeting immediate survival needs. sometimes systemic support from the worker is needed beyond direct worker-to-client work (e.g. to appeal to credit counsellors to adjust client's debt repayment plan)

# data[].attributes.body
likely with motivation and commitment

# data[].attributes.body
Not possible until they get a source of income that is enough for their families and address/overcome liabilities and challenges that impact their income generation ability.

# data[].attributes.headline
Challenges meeting day to day expenses. 

# data[].attributes.subject
Challenges meeting day to day expenses. 

# data[].attributes.body
Difficult to accumulate savings when clients are struggling to clear their debts, mortgage while also not having enough to feed the family. Client might also not prioritise their health well-being (e.g. having injury but unable to go for surgery) as he/she is the breadwinner of the family, and going on hospital leave will impact the financial circumstances of their family

# data[].attributes.body
depends, on their perspective of financial planning and how they weigh their priorities

# data[].attributes.body
clients may not see the need to think long-term due to overreliance on financial assistance, knowing that the source may always be available for them

# data[].attributes.headline
their daily challenges prevent them from managing their finances well.

# data[].attributes.subject
their daily challenges prevent them from managing their finances well.

# data[].attributes.body
What i would not spend money in might be what they spend their money in (e.g. more expensive items, and things i feel as non essential)

# data[].attributes.body
challenging given their unanticipated life events, unstable income and dependents to support

# data[].attributes.body
depends if it is internal or external factors?

if family faces policy level challenges or limitations, it may not be resolved as easily.

# data[].attributes.headline
guiding them for healthy financial planning

# data[].attributes.subject
guiding them for healthy financial planning