Jackson County Problem Tree Analysis by Jordan Rogers https://padlet.com/jordan563/tyt02op09ukh4dwf en-us 2025-05-20 02:51:40 UTC 2025-06-04 00:03:04 UTC hello@padlet.com https://padlet-uploads.storage.googleapis.com/3864639513/6eeeecd0a0ff497378537846ae841ad4/U4A_OR__1_.jpg Problem jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355871 Financial Literacy is a missing component in resources for sustainable individual capacity


]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355871 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355874 Benefits Cliff

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355874 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355875 Lack of access to housing

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355875 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355878 Economic achievement

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355878 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355879 Cultural norms

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355879 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355880 Lack of access/ awareness

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355880 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355881 Societal norms

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355881 Problem Statement jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355883 Financial literacy is a missing component in resources for sustainable individual capacity


]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355883 Resources jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355884 ACCESS + COC

Churches

Goodwill

Innovation Academy

Online resources (websites)

Apps

211

]]> 2025-05-20 02:51:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458355884 Effect jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458444075 Resources are not taken advantage of

]]> 2025-05-20 03:34:59 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458444075 Effect jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458444517 Assistance received does not translate to a sustainable solution

]]> 2025-05-20 03:35:15 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458444517 Effect jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458445980 Lack of access to supports

]]> 2025-05-20 03:36:00 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458445980 Effect jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458448251 Generational cycles


]]> 2025-05-20 03:37:11 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458448251 Effect jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458450102 Poverty increases

]]> 2025-05-20 03:38:16 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458450102 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458451136 Individuals are less able to be most efficient/ effective with available resources

]]> 2025-05-20 03:38:55 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458451136 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458455561 Misspent dollars/ money

]]> 2025-05-20 03:41:27 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458455561 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458457362 People are unable to purchase necessary resources, like housing


]]> 2025-05-20 03:42:28 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458457362 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458460121 Lacking financial literacy may effect the home owner idea in community and increase renters, allowing bigger companies to own land for apartments

]]> 2025-05-20 03:43:55 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458460121 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458462582 People rent for life

]]> 2025-05-20 03:45:24 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458462582 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458463292 People are unable to keep money

]]> 2025-05-20 03:45:50 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458463292 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458464589 Educational opportunities

]]> 2025-05-20 03:46:36 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458464589 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458466706 Mental/ physical health

]]> 2025-05-20 03:47:59 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458466706 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458468313 Criminal history being a barrier to rent

]]> 2025-05-20 03:49:06 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458468313 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458468835 Credit history as barrier to renting

]]> 2025-05-20 03:49:28 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458468835 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458470452 An effect of missing financial literacy is the willingness to take on debt, car notes, loans (payday, etc), payment plans, credit advances, etc

]]> 2025-05-20 03:50:31 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458470452 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458471572 Higher eviction rates

]]> 2025-05-20 03:51:08 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458471572 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458471908 Higher Foreclosure rates

]]> 2025-05-20 03:51:24 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458471908 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458472583 Inability to be easily rehoused

]]> 2025-05-20 03:51:52 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458472583 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458474736 People start believing they aren't capable and stop trying in a lot of areas of their lives

]]> 2025-05-20 03:53:17 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458474736 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458475875 Substance use

]]> 2025-05-20 03:54:06 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458475875 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458483124 Planned obsolescence

]]> 2025-05-20 03:58:52 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458483124 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458483766 Municipal zones and developmental ideologies

]]> 2025-05-20 03:59:14 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458483766 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458484258 Not made a priority by funders/ providers

]]> 2025-05-20 03:59:35 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458484258 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458485189 Bankers do not share power

]]> 2025-05-20 04:00:14 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458485189 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458486388 Programs that cap income with limits, forcing people to remain in poverty instead of creating transitional amounts for programs

]]> 2025-05-20 04:01:02 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458486388 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458488055 More immediate needs take priority

]]> 2025-05-20 04:02:16 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458488055 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458488996 The stability of comfort that does not allow for growth

]]> 2025-05-20 04:02:55 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458488996 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458489831 Our system for managing life is FAR more complicated than needed

]]> 2025-05-20 04:03:36 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458489831 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458490844 Direct access to the needed resource

]]> 2025-05-20 04:04:20 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458490844 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458491580 Scarcity mindset

]]> 2025-05-20 04:05:00 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458491580 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458492865 Lack of financial literacy education in schools

]]> 2025-05-20 04:05:55 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458492865 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458493488 Department of Education

]]> 2025-05-20 04:06:21 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458493488 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458494461 Removal of check and balance finances from general education in K-12

]]> 2025-05-20 04:07:06 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458494461 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458497492 Family Values

]]> 2025-05-20 04:09:02 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458497492 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458498327 [Lack of] Personal Responsibility

]]> 2025-05-20 04:09:38 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458498327 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458499445 Societal taboos

]]> 2025-05-20 04:10:22 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458499445 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458501141 Over consumption of fast/ easy access items for convenience

]]> 2025-05-20 04:11:35 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458501141 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458501839 Generational poverty

]]> 2025-05-20 04:12:06 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458501839 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458502346 Generational trauma + skills

]]> 2025-05-20 04:12:28 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458502346 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458503153 Generational habits

]]> 2025-05-20 04:13:01 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458503153 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458504076 School is more focused on meeting standardized testing instead of life skills

]]> 2025-05-20 04:13:33 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458504076 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458505714 Something about work ethic- understanding of need for, and value of employment

]]> 2025-05-20 04:14:38 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458505714 Resources jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508634 OHRA

Financial Beginnings

Findhelp.org website offers:

Money Management

international money canvas

Northwest Access Fund

]]> 2025-05-20 04:16:30 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508634 Resources jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508774 Consumer Credit Counseling services

Consumer Credit

Realtors

Medford School District

Primerica

]]> 2025-05-20 04:16:35 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508774 Resources jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508888 ACCESS

Habitat for Humanity

City Councils

County Commissioners

Advocacy Opportunities

Oregon Legislature

Lenders & Banks

]]> 2025-05-20 04:16:40 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458508888 Resources jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458509052 Options for Southern Oregon

Community Colleges & Community Education

WorkSource Rogue Valley

Libraries

]]> 2025-05-20 04:16:46 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3458509052 Effects jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461638476 Credit history suffers, future loans/ credit cards/ accessibility impacted

]]> 2025-05-21 17:23:14 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461638476 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461645155 Lack of intervention supports for those who may be on track to lose home, assistance, etc

]]> 2025-05-21 17:28:47 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461645155 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461647664 Retirement planning isn't always reflective/ up to date with current cost of living

]]> 2025-05-21 17:31:15 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461647664 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461650396 Systems in place aren't always coordinated/ communicating on who is already receiving services, possibly resulting in fewer funds to support others

]]> 2025-05-21 17:33:36 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461650396 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461652993 Lack of awareness on predatory loan offers/ credit cards, payday loans, etc

]]> 2025-05-21 17:36:04 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461652993 Causes jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461657606 Natural evolution of assistance programs, access may change, funding may run out, how/ when to apply may be different.

]]> 2025-05-21 17:40:10 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3461657606 Solution jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477899533 Addressing generational habits through financial literacy education for marginalized populations


]]> 2025-06-03 23:29:11 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477899533 Project Goal jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477899979 We plan to empower people to live sustainably through money management education and implementation, because doing so will increase housing stability, which will achieve our project goal.


]]> 2025-06-03 23:29:50 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477899979 Additional Resources from 05/31 jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477903379 Financial Beginnings curriculum

-Group learning

-Individual learning opportunities?

Consumer Credit Counseling Services (CCCS)

Primerica

ACCESS Renter Ready class (hard format/ setting for some)

Volunteer Community Network (for those 60+ years old)

IDA Programs

Every Dollar (APP)

-Other apps?

-Envelope systems

-Dave Ramsey products/ programs

-Sustainability Plans

Providential Living

-Mormon Church class/ course

Financial Peace University (FPU)

Bank Account structures/ smart banking strategies

Continuum of Care (CoC)

-HUD Mandated

CCO's (Jackson Care Connect)

Chronic Homeless Outreach Program (CHOP)

-Was w/ Medford Police Department

-Working to create new model, coming soon

Homeless Consulting Solutions

Housing Authority

]]> 2025-06-03 23:33:01 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477903379 Timeline jordan563 https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477927059 By our next meeting (06/14):

Compile additional resources on the spreadsheet


By end of June:

-Determine what curriculum offerings we want to use/ move forward with

-Prioritize what tools/ resources we want to include, how do we want to share this "basket" of resources to other partners (e.g brochure, flyers, list, partner network, etc)


]]> 2025-06-03 23:59:53 UTC https://padlet.com/jordan563/tyt02op09ukh4dwf/wish/3477927059