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Planning for and investing in the future can be a daunting prospect for the low to average wage earner. One way that youth, adults and couples can save money for a professional school, trade school or college, to start or expand a business or to buy a home is to start an individual development account..

What is an Individual Development Account

An individual development account is a way for people to save money for buying a home, paying for education, or starting or expanding a small business. Financial education is combined with a matched savings account. An IDA helps the individual develop regular savings habits, set financial goals and obtain assets.

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