In many ways, the asset poverty line is a better and more complete indicator of how a particular family is faring financially than the traditional poverty measurement. Asset poverty acknowledges that income only goes so far; even earning a wage sufficient to meet basic expenses, a household without any savings is always one emergency away from disaster. Unfortunately, while some segments of the U.S. population are strongly encouraged to save, others, such as most recipients of public benefits, are effectively banned from saving due to restrictive asset tests. Additionally, lower-income households have inadequate access to products and incentives that facilitate saving. Two policy interventions that could significantly increase the abilities of lower-income families to save include the elimination of asset tests in public assistance programs, and the implementation of the Saver’s Bonus.