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Individual Development Accounts
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By Qiana Torres Flores |
Vol . 21, No. 02 / January 2013 |
General Information
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Thirty-four states, the District of Columbia and Puerto Rico have passed legislation to create a matched savings account program.
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Almost half of all U.S. households are not confident that they could obtain $2,000 within 30 days if a financial emergency arose. This lack of savings can result in financial hardship for families that face sudden crises such as a job loss or health emergency. Most public programs designed to support low-income families only emphasize increasing earnings. An asset building framework, however, encourages families to establish savings and accumulate assets, in addition to income, to gain economic stability so that they are better able to weather financial setbacks and accomplish their goals.
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| ©2013 National Conference of State Legislatures. All Rights Reserved. |
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