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Policymakers should adopt new and expanded progressive savings incentives. 

Congress should make improvements to the saver’s credit. The credit should be phased out gradually and smoothly as income increases. Income limits for receiving the credit should be increased.

States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.

Congress should pass legislation establishing an Auto IRA and resolve the technical issues that will allow this vehicle to realize its full potential. 

Policymakers should create and expand supplemental individual retirement savings accounts that would enable workers to accumulate retirement savings in addition to Social Security’s guaranteed bene

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.

Policymakers should explore new, more consumer-centered systems for providing low-income assistance. 

Congress and state legislatures should ensure that all lawfully present non-citizen residents who qualify for essential low-income benefits have access to them.