2015 | OriginalPaper | Buchkapitel
The SaveUSA Coalition: Using Behavioral Economics to Build Unrestricted Savings at Tax Time
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In most cities, low- to moderate-income (LMI) households are the primary users of municipal social services, including workforce development and homelessness prevention programs, among others. But the progress gained through a social service intervention can be wiped out by the lack of fundamental financial stability. For example, a lack of funds to pay for a car repair could make it impossible to get to work, resulting in the loss of a day’s pay—or of a job. Access to emergency savings could bolster families’ ability to withstand such setbacks. For this reason, improving the financial stability of these families is a high priority for cities.