This paper describes the Family Self-Sufficiency (FSS) program, an employment and savings incentive program for low-income families that have Section 8 vouchers or live in public housing. It consists of both case management services to help participants pursue employment and other goals and escrow accounts into which the public housing agency (PHA) deposits the increased rental charges that families pay as their earnings rise. The paper analyzes the value of the FSS program for tenants (asset accumulation, employment, and earnings) and for PHAs (better public relations, improved services, and enhanced standing with HUD). It offers suggestions for overcoming perceived or actual barriers to PHA implementation or expansion of the program (lack of funding for case management, staff expertise, resident interest in FSS, and community employment opportunities and services). It discusses how the FSS program promotes welfare reform goals by encouraging work, providing funds for work expenses or emergencies, and offering case management. It also highlights how welfare agencies may advance welfare reform goals by helping PHAs expand their programs and by encouraging families that receive TANF benefits to participate in FSS. (Contains 63 endnotes.) (SM)