Board of Governors of the Federal Reserve System (U.S.), 1935- and Gramlich, Edward M., 1939-2007 "Saving by Low- and Moderate-income Households." Remarks at the National Savings Forum, Washington, D.C., June 20, 2001, https://fraser.stlouisfed.org/title/914/item/35439, accessed on January 21, 2026.