Making the case for policies to increase financial stability for individuals and families:

Increase income. One-third of working Americans do not earn enough money to meet their basic needs. These individuals are walking a financial tightrope — they are barely able to get by, with no ability to save for college, a home, or for retirement.
Build savings. Our nation’s personal savings rate in 2008 was only 3%. Sustainable saving habits are critical for low- to moderate-income families who often have no assets or access to credit. These families have a harder time remaining financially stable during changes in income due to illness, job loss or other unforseen events.
Gain and sustain assets. By increasing income and building savings, individuals and families are better positioned to achieve and protect their asset goals, which may include purchasing a home, starting a small business or saving for education and retirement.