Rhaid datblygu’r camau gweithredu yn y meysydd hyn mewn ffyrdd sy’n atgyfnerthu’n gydfuddiannol. Dylai gofal plant fforddiadwy o ansawdd dda helpu plant i gyrraedd cerrig milltir pwysig yn eu datblygiad; ar yr un pryd bydd yn creu cyflogaeth i rai ac yn cael gwared ar y rhwystr i gyflogaeth i eraill. Dylai camau cynnar sydd wedi’u targedu i rwystro pobl ifanc rhag gadael addysg, hyfforddiant neu gyflogaeth fod o fantais iddynt hwy’n uniongyrchol ond dylai hefyd fod o fantais i’r genhedlaeth nesaf. Dylai cyngor sy’n helpu pobl i ddelio â dyled, neu fynd ar-lein, fod yn sail i’w galluogi nhw i reoli eu harian yn gynaliadwy a defnyddio’u sgiliau newydd i gynyddu eu hymgysylltiad â gwaith a chymdeithas.
Action in these areas must be taken forward in ways which are mutually reinforcing.  Good quality, affordable childcare should help children to reach important developmental milestones: at the same time it will create employment for some and remove a barrier to employment for others.  Early, targeted action to prevent young people from falling out of education, training or employment should benefit them directly but should also benefit the next generation.  Advice which helps people deal with debt, or get on-line, should be a basis for enabling them to manage their finances sustainably and use new skills to increase their engagement in work and society.