Underearners Anonymous , Often abbreviated ” AU ” is a twelve-step program for men and women Who-have come together to Overcome What They Call “underearning”. Underearning is not just the inability to provide for oneself monetarily, but also inability to provide for one’s needs and future needs and the ability to express one’s capabilities and competencies. The underlying premise of the Underwriters is that it is a kind of mental disorder, rather like the alcoholic’s self-destructive compulsion to drink to excess.
Indeed, members of UA sometimes refer to themselves as “time drunks”, because they have a propensity to fritter away their time in useless activities, rather than pursuing constructive goals. Alcoholics Anonymous (AA), including the Twelve Steps, regular meetings to share their “experience, strength, and hope,” and sponsorship. UA suggests studying AA literature to gain understanding of addictive diseases . Specifically, AU endorses the use of Twelve Steps and Twelve Traditions  and Alcoholics Anonymous  (also known as the ” Big Book “).
The term “possession consciousness”, “possession consciousness” (“disposal consciousness”), “goal pages”, “progress pages”, “measurement progress” and “rewarding achievement”. and the avoidance of “debitting” (unsecured borrowing). They also advocate “action meetings” and “action partnerships” in which members encourage each other to complete related tasks.
The Effectiveness of Alcoholics Anonymous article of this encyclopedia notes the difficulty in rigorously testing the effectiveness of AA. Given the more subjective nature of underearning, as opposed to alcoholism, the effectiveness of UA is probably even harder to rigorously investigate. Nevertheless, some compelling anecdotal evidence of success, at least in certain instances, have been reported. 
Relation to Debtors Anonymous (DA)
Underearners Anonymous Was Andrew D. When started, a Debtors Anonymous (DA) member in Nyack, New York, Persuaded other DA members to form a committee to Consider a new fellowship specific to “underearning” in August, 2005. The first official Underearners Anonymous meeting was held on October 3, 2005.
Underearners Anonymous continues to adhere to the DA philosophy; hence the emphasis on avoiding unsecured borrowing. However, we also believe that it is a healthy relationship with money that requires more than just incurring unsecured debt, the primary focus of Debtors Anonymous.  Many members of the Underwriters Anonymous are also members of Debtors Anonymous and attend meetings of both organizations.
However, Debtors Anonymous has no affiliation with Underwriters Anonymous and neither endorses the company. DA, as such, is autonomous and has no opinion on Underearners Anonymous. 
The United States, Europe, and New Zealand with phone meetings are available on a daily basis. 
Due to the decentralized nature of UA, it is impossible to make an accurate count of its membership.
- List of twelve-step groups
- Jump up^ Underearners Anonymous web site
- Jump up^ Bill W. 2002a
- Jump up^ Bill W. 2002b
- Jump up^ Crowe 2011
- Jump up^ Anonymous Debtors web site, www.debtorsanonymous.org
- Jump up^ http://www.debtorsanonymous.org/about/traditions.htm
- Jump up^ “Underearners Anonymous – Official Website” . underearnersanonymous.org . Retrieved 2016-10-08 .
- Kadet, Ann (20 November 2010). “A Program for Poor-aholics” . Wall Street Journal . Archived from the original on 2011-10-22 . Retrieved 2011-10-22 .
- Crowe, Aaron (9 February 2011). “Actress Finds New Financial Life With Help from Anonymous Underwriters” . The Financial Daily (An AOL Money & Finance Site) . Archived from the original on 2011-10-24 . Retrieved 2011-10-24 .
- Bill W. (2002a). Alcoholics Anonymous (4th ed.). New York, NY: Alcoholics Anonymous World Services. ISBN 1893007162 . OCLC 408888189 . Retrieved 2010-06-14 .
- Bill W. (2002b). Twelve Steps and Twelve Traditions . Alcoholics Anonymous World Services. ISBN 0916856011 . OCLC 13572433 .
- “Debtors’ Anonymous web site” . Debtors Anonymous General Service Office.
- Smith, Genevieve (June 2012), “In recovery: Twelve steps to prosperity” , Harper’s Magazine : 51-57 , retrieved October 14, 2012
- Smith, Genevieve (May 23, 2012), “The Underearn Test” , Harper’s Magazine – Web Only: Commentary , retrieved October 14, 2012
- Waller, Nikki (June 13, 2012), “12 Steps to the Salary You Deserve” , Wall Street Journal , retrieved October 14, 2012
- Tompor, Susan (August 30, 2012), “Are you underpaid? Underearners Anonymous can help” , USA Today , retrieved October 14, 2012
- Underearners Anonymous (interview with Andrew founder) , Steppin ‘Out Radio , retrieved October 14, 2012