New Ideas

Gifting Savings

A national survey by the Federal Reserve found that only 53% of respondents could cover a $400 emergency expense without selling something or borrowing money. This drops to 25% for households with incomes under $25,000. In…

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Minimum Wage Hikes – What if….

What if the coming minimum wage increases could be used to build financial security and opportunity for working families? Since 2015, significant momentum for minimum wage increases has spread across states and employers, affecting…

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Auto Loan Payment Schedules – What if…

What if there was an auto loan with a customizable repayment schedule based on fluctuations in borrowers’ monthly income and expense? Access to reliable transportation is crucial to a household’s financial security and…

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