Asset building and low income families urban institute press signe mary mckernan michael sherraden on amazoncom free shipping on qualifying offers low income families have scant savings to cushion a job loss or illness and can find economic mobility impossible without funds to invest in education. Other options for low income families the types of assets that low income families can build arent restricted to the traditional assets of a house car or savings account consider long term assets such as college savings accounts roth iras cds 30 year bonds and child savings accounts. I appreciate the opportunity to appear before you today to discuss building assets for lower income families this is an extremely important subject and i would like to thank both chairman . Encouraging low income individuals and families to achieve economic self sufficiency the effort is a faith and community based inclusive strategy with economic development health care and asset development components. Low income families building assets individual development account programs lessons and best practices i believe that if it hadnt been for the ida program and the ida staff we probably would have fallen through the cracks again not qualifying for this program or that program this was exactly the right thing for us
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