The "Helping More Families Save Act" establishes an **Escrow Expansion Pilot Program** to enhance the existing family self-sufficiency initiative for low-income families receiving housing assistance. This pilot program directs the Secretary to select up to 25 eligible entities, such as public housing agencies, to manage escrow accounts for a maximum of 5,000 covered families. A core provision of the pilot is that any increase in a family's rent, directly attributable to their increased **earned income**, will be deposited into an interest-bearing escrow account. These funds can be drawn from existing Section 8 or 9 program allocations, offset by the family's increased rent payment, and are not available to families with adjusted incomes exceeding 80 percent of the area median income. Families can withdraw funds from their escrow accounts under various conditions, including after ceasing welfare assistance, typically between five and seven years after account establishment, or earlier for approved self-sufficiency goals. Notably, participation in this pilot program does not require families to complete the standard Family Self-Sufficiency contract or an individual training and services plan. Furthermore, any increase in a family's earned income while enrolled in the pilot will not negatively impact their eligibility or benefit amounts for other programs administered by the Secretary. Families must be informed of their enrollment and have the option to opt out at any time without jeopardizing their housing assistance. The Secretary is mandated to conduct a study and report on the pilot's effectiveness in fostering economic independence within eight years of selecting participating entities. The program is authorized for ten years, with $5,000,000 appropriated for fiscal year 2026 to support technical assistance and program evaluation.