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In July 2008, Americans were paying $4.11 per gallon of gasoline--nearly three times the price six years earlier, according to the Energy Information Administration. Most people have felt the pinch of higher energy prices, but those hurt the most have been moderate-income families who struggle to buy gas for their cars and to heat and cool their homes. Although prices have now fallen because of the current global economic problems, the longer-term trend of rising energy prices will continue. Many of the 70 million U.S. households making less than $60,000 a year will find it increasingly difficult to cope. The United States needs a strategy to help moderate-income households adjust to the new reality of higher energy prices. A proposal I call the Energy Security for American Families (ESAF) initiative would give moderate-income households the power to control their long-term energy costs, largely by improving household energy efficiency. Specifically, the initiative would offer a combination of vouchers, low-interest loans, and market-based incentives to help families invest in energy-efficient cars, homes, and commutes. These investments would allow workers to save money, year after year, gaining economic security.