Social Work and Money: We Need to Talk About It By Reeta Wolfsohn, CMSW, and Matthew L. Schwartz, MBA, CFSW, LMSW, CASAC-T Social Work Today Vol. 21 No. 4 P. 18 No one chooses to have money problems, but most people do. It costs money to wake up every day. If you are a woman, have an illness or disability, are older, uninsured, have a low credit score, or fall into any one of countless other categories, it may be more expensive for you than for others.