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ORGANIZING A CAMPAIGN
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OUR GOAL
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America
Saves is a nationwide campaign in which a broad coalition of nonprofit,
corporate, and government groups helps individuals and families save
and build wealth. Through information, advice, and encouragement, we
assist those who wish to pay down debt, build an emergency fund, save
for a home, save for an education, or save for retirement.
We
find it useful to see individual Americans on a ten mile path to
saving. Those that haven't walked a mile don't understand the
importance of saving, so don't save. Those at mile three are aware of
this value, but don't believe they are capable of saving, so don't do
so. Those at mile six see the importance of saving and think they might
be able to do so, but haven't started yet. Those at mile seven have
begun to save. Those at mile ten are saving as effectively as they can,
which also means that they are effectively managing their money and
debts.
We encourage all Americans,
especially the financially vulnerable, to travel down this saving path,
keeping in mind it is difficult to move more than a mile or two at a
time. If many Americans start moving down the path, then the whole
country will place greater importance on saving. Parents, schools,
employers, financial institutions, government agencies, the press, and
nonprofit groups will increasingly focus attention on wealth-building
and assist those they serve to do so. As a result, it will become much
easier for everyone to save and build wealth.
Many
believe that low- and moderate-income families cannot afford to save
and build wealth. Yet, research shows that there are "savers" and
"spenders" in all income classes. While those with modest incomes
cannot save as much as the affluent, almost all have the ability to
build wealth over time. Through contributions to a workplace retirement
program, home purchase, and other savings, during their working years
most can accumulate six-figure assets. The goal of the campaign is to
convince all Americans that they can build wealth and to assist them in
doing so.
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