Low-income workers can increase their financial security by increasing their asset base. Individual Development Accounts (IDAs) match participant savings for preagreed upon goals such as home ownership, education, and small businesses. IDA program evaluation found that half of the participants saved at least 80% of the maximum amount allowed. Extension educators have an opportunity to incorporate IDAs into poverty-reduction strategies in their counties. They can also provide financial education as a means to help families set and sustain long-term financial goals and plans.

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