Family income is a central factor in shaping life opportunities. A reliable and adequate income enables better access to health, education, housing and other services. Insufficient skills, difficulty in getting to places of work, poor English and inadequate literacy and numeracy - all hinder access to jobs. The current global financial crisis has also led to joblessness among people traditionally less affected, such as educated white collar workers. Having a job is also associated with self-worth and independence. Without sufficient income, people must fall back on family, friends, charity or the government, potentially resulting in feelings of disempowerment and low self esteem. Lack of income may also result from poor health, and may amplify further problems such as mental disorder, crime and child maltreatment.