Individual Development Accounts (IDA) are matched savings for low-income individuals, to be used for home ownership, education, or small business capitalization. IDA programs also include financial education and staff support to encourage saving. (1) A large study of IDAs known as the “American Dream Demonstration” has been in progress at 13 sites in the United States since 1997. (2) A large, multimethod research agenda accompanies this demonstration. (3) Below is a summary of research results to date from this demonstration.