This book provides the best single overview of the theory behind the creation of the IDA American Demonstration Project, the structure of the ADD, and findings from the project. The account is comprehensive and balanced. This is a must-read book for everyone interested in poverty in the U.S. --John Caskey, Department of Economics,Swarthmore College ""Michael Sherraden and his colleagues have been at the forefront of developing new ideas for asset-building policy and practice for nearly two decades. This new book by Schreiner and Sherraden again shows why. It is a remarkable demonstration of how disciplined, engaged, and creative social science research can help low-income families to transform their lives.""--Michael S. Barr,Assistant Professor of Law,University of Michigan Law School