This chapter begins by expressing the need to center thrift into our lives again. We need to save good amounts of money first in order to build our wealth. Unfortunately, those who earn less have less willpower and general ability to save every dollar and thus are not able to save well. There are several policies to encourage thrift among Americans. The first one is to create a universal “American Investment Plan”(AIP). Even though the government has already created a Thrift Savings Plan, the ideas need to be well marketed, advertised, and taught to Americans for any progress to be made. The second program would be to create a public education program to promote thrift. The practice of thrift would have to start at the very bottom of the chain and with a program that would promote thrift to young people; America would be back on track in a very short time. The final plan would be to create a Save to Win bond to compete with lotteries. The average person spends $184 a year on lotto tickets. A Save to Win (S2W) bond would at root be a government interest savings bond. In order to play, the person, over the age of seventeen, would first have to have and AIP. Then at a location that offers S2W bonds, one could invest any amount and then they would receive a receipt with a number on it. Twice a month, winning number would be called out, and there would be both small and large cash prizes. The money used would be from outstanding bonds. However, even if one does not win, they still have an account for savings and thus, everyone playing benefits unlike a lottery where only the winner benefits. These are few of the challenges facing those who want to renew America’s financial health.
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