A Fragile Balance

1. Paying for the Unexpected: Making the Case for a New Generation of Strategies to Boost Emergency Savings, Affording Contingencies, and Liquid Resources for Low-Income Families; J. Michael Collins 2. Liquid Savings Patterns and Credit Usage Among the Poor; Leah Gjertson 3. Upside Down: The Failure of Federal Tax Policies to Support Emergency Savings; Ezra Levin 4. Save at Home: Building Emergency Savings One Mortgage Payment at a Time; Stephanie Moulton, Anya Samek, Cäzilia Loibl 5. The SaveUSA Coalition: Using Behavioral Economics to Build Unrestricted Savings at Tax Time; Jonathan Mintz 6. Refund to Savings: Creating Contingency Savings at Tax Time; Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana Perantie, Dan Ariely 7. Enhancing Financial Capability TANF Bank Accounts; Karan Gill, Dana Mills, Margaret McKenna 8. Building Emergency Savings Through 'Impulse Saving'; Kim Manturuk, Jessica Dorrance, Jayson Halladay 9. Prosperity SmartSave Card: An Incentivized Emergency Savings Strategy; Sharon Henderson 10. Accelerating Savings Among Low-Income Households; Ed Khashadourian 11. Start2Save: Helping Working Families Meet Unexpected Expenses and Opportunities; Ingrid Holguin 12. Incorporating Savings into the Debt Management Plan; Karen Heisler, Seth Lutter 13. Who Said Pigs Can't Fly? A Learner-Centered Approach to Emergency; Sonya Caesar 14. Epilogue: Emergency Savings as a Central Component of Family Financial Security; J. Michael Collins, Thomas Shapiro