Social welfare aims to support financially vulnerable households by protecting them from financial shocks and providing them with a basic standard of living. Many eligible households, however, do not take up social welfare. We present the results of in-depth interviews with 31 members of financially vulnerable households in two large Dutch cities about their experiences with welfare. We examined the role that money played in their lives, what inhibited them from taking up social welfare, and how they sought support. For many interviewed households, money was a source of stress. We found that the fear of reclaims and mistrust in government institutions were the main inhibitors for participating in welfare programs. Whereas the experience of shame and stigma were substantial inhibitors for claiming local welfare benefits, they were not for participating in national welfare programs. Both formal and informal help promoted welfare participation, but many participants lacked access to both forms of help. We discuss policies that could decrease the uncertainty associated with benefits receipt and give directions for future research.