“I can’t leave money in my bank,” she said. “When you’re on SSI you can only have so much money in the bank, and it’s got to be less than a thousand dollars. Because if it’s more…they cut your payments until that money is spent.” Larraine was talking about SSI’s “resource limit.” She was allowed to have up to $2,000 in the bank, not $1,000 like she thought, but anything more than that could result in her losing benefits.3 Larraine saw this rule as a clear disincentive to save. “If I can’t keep my money in the bank, then I might as well buy something worthwhile…because I know once I pay on it,
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