 Participant outcomes will be measured at the time of random assignment and 12, 36, and 60 months after random assignment. Measures that pertain to short-term program effects include amount of savings and material hardship avoidance. These are the effects most likely to emerge within the first year. Additional measures include employment status, earnings, means-tested public benefit receipt, and net worth. In the long-term, effects on homeownership, business ownership, and secondary education attainment are likely to emerge. 