The document discusses promoting savings among lower-income individuals 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 through U.S. Savings Bonds. The document argues that tax preparers are well-positioned to encourage clients to consider saving and provides information on the benefits of Savings Bonds.