A non-random, cross-sectional sampling procedure was utilized in this study to determine what factors are related to households choosing to utilize Individual Development Accounts (IDAs) as a means to escape poverty. Surveys from 111 households were collected from September 1997, to April 1999, in seven Ohio counties to elucidate the relationship between the level of assets in working poor households and selected household demographic variables, and the decision on whether or not to actually participate in an IDA program. Findings revealed that households 1) with more than one wage earner and 2) with higher levels of education are more likely to join an Individual Development Account and benefit from a matched savings account. The implications of an asset-based social welfare policy strategy will be discussed.