The document discusses promoting savings among lower-income Americans through the use of U.S. Savings Bonds. It notes that Americans had stopped saving in recent years and outlines challenges to saving faced by lower-income individuals. However, studies show that with assistance through programs like VITA tax preparation, lower-income individuals were able to successfully save portions of their tax refunds in savings bonds. The document argues that savings bonds are a convenient and trusted product to help lower-income Americans start saving.