This document presents a study that views working mothers as primary or co-equal earners, who need wages sufficient to support their families. The study hypothesized that the complex socioeconomic trends of the last two decades have had more of an impact on working mothers' wages than have their specific family relations. The study employed a variety of descriptive and multivariate research techniques to test this hypothesis and investigated the impact of job, human capital, and family characteristics on the hourly wages of working mothers as they vary by race and ethnicity, marital status, and educational levels. After reviewing the demographic, family, human capital, and job characteristics, the study examined the significant predictors of working mothers' wages. The principal finding indicated that family related characteristics were not significant predictors of the wages of working mothers. Rather, the best indicators of a woman's hourly wage rate were her human capital and job characteristics. Based on these findings, the study then estimated the impact of a series of policy strategies that can increase working mothers' earnings. The most effective policy strategies were found to be those that increase a woman's return to work experience to a white male level, her education, and her ability to stay in the workforce. A three pronged strategy that maximizes work experience, increases returns to experience, and increases working mothers' share of full time jobs, was the most effective policy of all those studied, positively impacting the wages of all groups of working mothers. (Author/DK)