Underearners Anonymous , often abbreviated ” UA “, 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 inability to express one’s capabilities and competencies. The underlying premise of Underearners Anonymous 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 a better understanding of addictive diseases . Specifically, UA endorses the use of the Twelve Steps and Twelve Traditions and Alcoholics Anonymous  (also known as ” Big Book “).
UA uses additional tools, such as keeping records records of how one spends one’s time, “possessing consciousness”, the Goal pages which is the writing down of goals, measuring progress and rewarding achievement And the avoidance of “deburring” (unsecured borrowing). They also advocate “action meetings” in which members peer-counsel.
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 continue to adhere to the DA philosophy; Hence the emphasis on avoiding unsecured borrowing. However, the main focus of Debtors Anonymous.  Many members of Underearners Anonymous are also members of Debtors.
However, Debtors Anonymous has no affiliation with Underearners Anonymous and neither endorses nor lends the DA name to any outside enterprise. DA, as such, is autonomous and has no opinion on Underearners Anonymous. 
UA has grown rapidly and weekly face-to-face meetings take place in the United States, Europe, and New Zealand with phone meetings 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^ Debtors Anonymous 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 Underearners Anonymous” . 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, New York: 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 Underearners 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 can help” , USA Today , retrieved October 14, 2012
- Underearners Anonymous (interview with founder Andrew) , Steppin ‘Out Radio , retrieved October 14, 2012