Contents -- Acknowledgments -- Introduction: Saving in Low-Income Households -- 1. Research on Matched Savings in Low-Income Households -- 2. Theory and Evidence on Saving in Low-Income Households -- 3. Setting the Stage: Economic Socialization and Coming-of-Age in a Working-Poor Family -- 4. Managing Household Finances and Making Ends Meet on a Low Income -- 5. Problem Debt and Creditworthiness -- 6. Striving to Save -- 7. Saving in Individual Development Accounts -- 8. Saving Strategies in Individual Development Accounts -- 9. Effects of IDA Program Participation -- Conclusion: Saving Theory, Policy, and Research -- Appendixes -- A. IDA Participants' Demographics and IDA Saving Experiences -- B. Control Respondent Demographic Characteristics -- Notes -- References -- Index.