Defines and discusses characteristics of economically insecure individuals and families and provides estimates of the numbers of individuals and families affected by economic insecurity. Recommends that social workers be more cognizant of economic insecurity and its effects on clients. (Author/NB)

Uses case histories to support the need for a framework for social work practice with minorities--one that recognizes the value of being able to identify psychosocial components that affect practice problems. Suggests social workers be especially aware of the harmful effects of stereotyping individuals. (Author)