What began several years ago as a network of matched savings programs to encourage low-income Texans to save has blossomed into a statewide, comprehensive asset-building movement now known as RAISE Texas.

A unique partnership between Unity One Federal Credit Union and Fort Worth's Washington Heights Elementary School created a "Kids Bank" that encourages savings and teaches children valuable financial skills that will benefit them for a lifetime.

Low-income residents in New Mexico now have more incentive than ever to save for a home, an education or their own business. In the 2006 legislative session, the state provided $1.5 million to fund the Individual Development Account Act that passed in 2003.

The introduction of the Individual Development Account in 1996 opened the door to a new school of thought on ending the cycle of poverty.