For many low-income families, there just doesn’t seem to ever be any extra money that they can put into savings — except at one time every year: tax season. So when that refund or Earned Income Tax Credit comes in, it is often the biggest lump sum of income they will see all year long.

“We are big believers that tax season is a nearly unparalleled savings opportunity for most people,” says Timothy Flacke, the executive director of “Doorways to Dreams” or D2D Fund.

D2D is a nonprofit organization that tries to encourage lower-income people to improve their financial independence through saving money. Tax time refunds — or more specifically, the moment when people calculate how much money they are going to get after filing taxes — hang there like fat juicy peaches ready for the plucking…

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