In 1996, the US Congress passed the Personal Responsibility and Work Opportunity Reconciliation Act, changing the culture of welfare from a system of dependency to one of personal responsibility and economic self-sufficiency through workplace participation. Through the expert views of case managers and area employers of Wisconsin, this research sought to identify the problems and barriers to self-sufficiency among former welfare recipients and other low-income workers and the effectiveness of services and programs available to address these barriers. The study found situational barriers, education and learning experience barriers, personal issues and disabilities to impede the development of low-income workers. The services found to promote the development of economic self-sufficiency among former welfare recipients were support services, educational and learning programs, employer intervention services and counseling services. The findings suggest that these services could be expanded and made more effective through the collaborative efforts of welfare reform agencies, employers, educational institutions and community-based organizations. (Contains 3 tables.)