In monetary- and production-based societies (such as in the United States), informal childcare is seen in families who do not have enough funds to finance placing their children in a more expensive child care facility. A study done by Roberta Iversen and Annie Armstrong explains that due to long and irregular working hours of working parents, low- socioeconomic families are more likely to utilize informal childcare. Those low income families are also more apt to work longer hours on an irregular and inflexible schedule, which ultimately makes using a childcare facility, that has regular business hours, unlikely.