This paper provides a basis for a broader understanding of the factors that shape financial wellbeing and the capacity of individuals to experience economic security.

The latest analysis of social exclusion shows that about five per cent (about 825,000) of Australians aged over 15 are deeply excluded and almost one per cent (150,000) are deeply excluded. The Social Exclusion Monitor, developed since 2008 by the Brotherhood of St Laurence and the Melbourne Institute of Applied Economic and Social Research uses...