In this appeal to the Texas Legislature, the Texas Thrift Coalition (a nonpartisan volunteer group of leaders and organizations) promotes thrift and encourages saving as a path to family prosperity and financial security for Texans. Drawing on the "2010 Survey of Texas Savers, " the report presents five major findings, including: 1. Texas families face a savings crisis.2. Anti-thrift institutions, such as payday lenders, are trapping Texas families into debt.3. Texans see a danger in the rise of anti-thrifts.4. Texans oppose the expansion of state-sponsored gamgling.5. Texans want to save more.The report concludes with six recommendations for change.