In the face of economic insecurity, this policy memo from CFED argues that an asset building approach can help families build their financial assets as students, homeowners, or entrepreneurs, thereby empowering individuals to steward their own resources more effectively and contribute to their own economic success. Highlighting how many Americans lack basic financial security, the memo calls for federal policy reforms that give low-income households better access to the financial tools and knowledge they need to build a secure future. Recommendations include improving tax incentives for low- and middle-income savers, reauthorizing the Assets for Independence Program and reviving US savings bonds.