While tax refunds amount to substantial income for many Americans, current IRS rules do not allow taxpayers to directly deposit their refund into more than one account.

If we don't change, millions of American families are just one medical emergency, or one layoff, away from financial disaster and bankruptcy.

This is a simple change that will provide a huge financial boost for many Americans, particularly low- to moderate-income families. It is an important step in making sure we do everything we can to encourage all Americans to save and plan for the future.

Under the AHP approach, the average small business might be able to offer their employees one or two insurance plans, and that employee of the small business would have no idea whether their doctor was going to be a apart of one of those plans.

It's not just that families can't buy a home or start a business without some savings tucked away.

Aging nations have arteries clogged with obsolete laws, slowing blood flow and preventing oxygen from reaching all parts of the body politic. Physicians call this arteriosclerosis; historians see decline of empire.

This Congress is simply not doing its job under Republican leadership.