Browse our upcoming events to find the one that feels right for you. We host events year-round in all different locations and climates.

We partner with employers and local communities to select a group(s) of eligible participants using criteria that is simple, fair, and cost-effective. We focus low wage workers, especially young workers, who struggle the most with savings. 

First, participants must be considered low-income earners. This means participants must make minimum or near minimum legal wages in their respective communities.

Second, participants must commit to save money every month. The amount they save is up to them.

Third, participants must invest their savings and our match in publicly-traded companies every month.

We want to empower and incentivize people to make their own savings and investment decisions.

Generally, we will match up to 10% of a worker’s salary.

For example, if a participant saves $100 per month, then we will match and give $100 per month. The amounts vary depending on if participants are full or part-time workers and how much they can afford to save every month.

Our goal is help partcipants save the equivilant of three months of living expenses, ensuring that they can meet their most basic needs and any short term emergencies like job loss or other unforseen expenses.

The amounts given will vary depending on how much each participant is able and willing to save.

We make ongoing, monthly cash transfers and we inform recipients exactly how much they will receive and when during the enrollment process. 

Participants are eligible to receive monthly cash transfers for 12 months.

For example, if a worker saves 10% of their monthly income by themselves, then they should have enough to cover one month of living expenses in 10 months. However, with a monthly savings match from us, workers can accelerate in their savings in halve that time.

Our goal is to help workers create an emergency savings equivilent of two months of living expenses and to establish an enduring savings and investment habit.

Potentially. “Sustainable” interventions are ones that will continue to benefit the recipient in the long-term without needing ongoing support.

It takes an average of 66 days to form a new habit, with a range of 18 to 254 days depending on the complexity of the behavior and the individual. Our 12 month program provides a solid timeframe to form a good savings and investment habit.

We know that saving money consistently over time isn’t easy even for high income earners because people like to spend as much as they earn. Saving for a rainy day almost seems like an old fashioned idea, which is indicative of global spendthrift culture.

Besides long-term savings, participants use their cash transfers to invest in publicly traded companies like Apple, Google, and McDonald’s. This allows savings to grow over time and introduces participants to long-term asset ownership and appreciation.

We will study the outcomes of our projects, looking for the best possible ways to enable low income workers to save money and establish financial stability.

We send recipients cash transfers directly to their bank or brokerage accounts.

Yes, we help participants understand how the stock market works and how to build a diversified portfolio.

Participants can invest in any publicly traded company.

We suggest that participants invest in large, stable companies (Apple, Google, McDonalds, Ford, etc.) rather than smaller companies with higher risks.

Let's say you want to invest in a company, but its stock price is higher than what you can pay. Instead of buying a whole share of stock, you can buy a fractional share, which represents a partial share. 

For example, if a company's stock is selling at $1,000 per share and you purchased $100, then you would own 10% of a one share. With fractional shares, investing in high price shares becomes more accessible.

Yes. However, we want participants to experience buying individual companies directly themselves.

We believe there is a deeper pyschological attachment to assets that are directly purchased and owned. We want participants hold assets as long as they can and not sell them.

We’re not a retirement fund. We simply help people save money.

Retirement funds are a terrific way to save money and we encourage workers to take advantage of them.

We’re different than retirement funds for a few reasons:

• Our match doesn’t have a vesting period; the money we give participants is their immediately and not locked up.

• No distribution age. We don’t require participants to hold funds until they are retirement age. Consequently, our program has no special tax breaks or tax deferment.

• Our participants manage their own funds and trades. In retirement accounts, investments are usually managed by third parties.

• Our matching period expires in 12 months.

We invite and welcome researchers and policy makers to evaluate, study, publish, and co-design our projects.

We collect data sets from all of our projects and each project includes a group of 20+ plus participants (will increase in future), so there’s enough data to evaluate, research, and make informed conclusions.

We intend to start our savings program in Thailand.