Latest News Blogs Events  
EARN CEO Ben Mangan on the Lean Startup principals this lean nonprofit actually practices
EARN CEO Ben Mangan on the Lean Startup principals this lean nonprofit actually practices
March 06, 2014

"We have embraced the lean principles at our own nonprofit, EARN, with the aim of scaling our work from serving thousands in our first decade to serving 1 million in our second 10 years."



The New Firefly Account Launched as Financial Tool to Empower Millions of Low-Wage Workers
The New Firefly Account Launched as Financial Tool to Empower Millions of Low-Wage Workers

Firefly is designed to be the first in a series of offerings that let people grow in their saving and investing journeys. "Everything we've done builds self-efficacy," says EARN CEO Ben Mangan.



State of Our Union: How Obama Should Tackle Income Inequality
State of Our Union: How Obama Should Tackle Income Inequality

While there is unprecedented national and international soul-searching on the gaps between the wealthy, the middle class, and the poor, here are 5 ideas to frame effective, strategic policy.


Launching the Firefly Account, EARN brings goal-based saving to millions.
Launching the Firefly Account, EARN brings goal-based saving to millions.
December 13, 2013

After testing its online saving products for 2 years, EARN launches the Firefly Account. In bringing goal-based saving to scale, Firefly will help millions of low-wage American workers build a long-term habit of saving.


LinkedIn features EARN in its Big Idea 2014 challenge: one idea that shapes the year.
LinkedIn features EARN in its Big Idea 2014 challenge: one idea that shapes the year.
December 10, 2013

As a LinkedIn Influencer, EARN's CEO decribes how "The Lean Startup" principles guided development of the new online Firefly Account. Launched in December, Firefly will test saving hypotheses. So EARN can pivot accordingly.


EARN releases new research that will further financial capability for low-income workers
EARN releases new research that will further financial capability for low-income workers
September 20, 2013

As a leader in the field of financial coaching, today EARN offers research and recommendations on how financial coaching can be made more effective. These new findings will inform the tech platform we’re building to help 1 million low-income workers save $1 billion by 2022. To the Citi Foundation, whose support made this research possible, we offer our appreciation.


Fifty Years After The March - EARN Is Cited As A “Solution”
Fifty Years After The March - EARN Is Cited As A “Solution”
August 28, 2013

As we reflect on the March on Washington for Jobs and Freedom it's wise for us all to think about what we have done, what we have not done, and what we are doing. We're confident about being part of the solution.



The American Dream, by EARN - At The Clinton Global Initiative
The American Dream, by EARN - At The Clinton Global Initiative

CEO Ben Mangan appeared on stage at The Clinton Global Initiative America on June 14th. By invitation, he announced EARN's deliberately ambitious plan: to open 10,000 savings accounts for low-wage American workers in 3 years. And help a million more workers to save $1 billion dollars by 2022.



EARN Honored With 4-Star Charity Navigator Rating
EARN Honored With 4-Star Charity Navigator Rating
April 07, 2013

EARN's efficient, ethical and open work was recognized in March 2013 with 4-star rating from Charity Navigator, America's largest and most utilized independent evaluator of charities. Profiled by Forbes, Business Week and others, this rating is a reflection of EARN's adherence to good governance and consistent execution of its mission in a fiscally responsible way.



EARN: In Mashable’s Top 10 List: Personal Finance Experts To Follow On Twitter
EARN: In Mashable’s Top 10 List: Personal Finance Experts To Follow On Twitter
April 01, 2013

Mashable, the leading reporter on the importance of digital innovation and how it empowers people around the world, just ranked EARN in a financial top 10 list: "EARN focuses on helping low-income individuals create prosperity..."



Innovative Nonprofit Programs Help Low-Income People Build Their Savings
Innovative Nonprofit Programs Help Low-Income People Build Their Savings
March 28, 2013

How do you go from helping thousands of people save and prosper--to helping millions? EARN's technology will break the mythology that more caseworkers will get us there.



The Ugly Truth About Scale - How are we really serving the 70 million working poor Americans?
The Ugly Truth About Scale - How are we really serving the 70 million working poor Americans?
March 08, 2013

In the latest Stanford Social Innovation Review, EARN CEO Ben Mangan challenges the status quo by pushing for the best answers, not just the most emotionally attractive ones. If philanthropy wants to change the world, it must change the way it thinks.



EARN Makes A Difference
EARN Makes A Difference
December 16, 2012

Duane Greene spoke at the first EARN breakfast, in 2006, and returned this year to update his story. "EARN taught me how to save," he said this time. "With their help, I was able to buy a condominium in Daly City. Every day my daughter gets to come home to our home."



Getting a leg up in pursuit of dreams
Getting a leg up in pursuit of dreams
November 23, 2012

When Andre Soto heard about a new program that could turn $500 of college savings into $2,000 almost overnight, the Lincoln Heights father of two assumed it was a Ponzi scheme. "There are so many scams going on, and this was clearly too good to be true," he said. But the account he stumbled across, called Triple Boost, is no Ponzi scheme. It's part of an anti-poverty program offered by San Francisco nonprofit Earn.



Low-income immigrants get a hand
Low-income immigrants get a hand
November 15, 2012

"This place for so long has been a hotbed of entrepreneurship that it's not surprising that it's evolved a very entrepreneurial way to serve people who have a hard time breaking into business in the mainstream way," said Ben Mangan, CEO of Earned Assets Resource Network, a San Francisco nonprofit that helps people build a habit of saving, resulting in "spark capital" that they can leverage into a new business.



EARN: “Building New Ladders of Opportunity” in Obama’s State of the Union Address
EARN: “Building New Ladders of Opportunity” in Obama’s State of the Union Address

by Sheryl Lane, Director of Public Policy

President Obama's address raised an issue long simmering in public discourse: income inequality. EARN has working solutions to this problem and they go from public policy activity to financial product development.



All Californians Should Share the Road to Recovery
All Californians Should Share the Road to Recovery
January 24, 2014

by Sheryl Lane, Director of Public Policy



In Sync With EARN’s Work Alongside Hardworking Families: Obama’s State of the Union
In Sync With EARN’s Work Alongside Hardworking Families: Obama’s State of the Union
February 15, 2013

by Sheryl Lane, Director of Public Policy

A speech that reaffirms the values of hard work, opportunity, and what government can do to level the playing field.



College Education – Still a Worthy Goal?
College Education – Still a Worthy Goal?
August 20, 2012

by Jade Shipman, Senior Research  Associate

News stories have featured college graduates who are struggling to get by, overwhelmed by student loan payments. If you are considering college for yourself or your child, these news stories may alarm you. Here at EARN, we want to put a more balanced voice into the conversation.


Farewell & Thank you
Farewell & Thank you
August 09, 2012

by Iliana Montauk, Senior Financial Services Associate

After nearly 4 years working at EARN, I have decided to step into the next chapter of my career.  It’s time to say farewell – or, as I think of it, “see you later!”


EARN Report Briefing is a Huge Success! Thanks to all who attended.
EARN Report Briefing is a Huge Success! Thanks to all who attended.
August 01, 2012

by Sunaena Chhatry, Public Policy Manager

Before a packed audience at the Federal Reserve Bank in Los Angeles on July 19, EARN released Dreams Deferred: Opportunities, Challenges, and Solutions for Building Financial Security. We were delighted to see guests representing a wide array of nonprofit organizations, state and local policy makers, financial institutions, regulatory agencies, government agencies, and educational institutions. 


Dreams Deferred: Opportunities, Challenges, and Solutions for Building Financial Security
Dreams Deferred: Opportunities, Challenges, and Solutions for Building Financial Security
July 24, 2012

by Sunaena Chhatry, Public Policy Manager

This groundbreaking report, coauthored report by EARN and the Center on Race and Wealth at Howard University, shines a light on insights from meetings with nearly 1,000 low-wage constituents across California. Our hope is that this report will give stakeholders from the public, private, and nonprofit sectors the opportunity to learn from California constituents and our allied organizations about what issues are most important to low-wage constituents, and their ideas for bringing financial security and prosperity within reach for themselves and their families.


EARN News Roundup - July 23rd
EARN News Roundup - July 23rd
July 22, 2012

by Matt Silva, Research Analyst

Hi EARNies,
There's lots to report on this week, so strap in and enjoy!


EARN News Roundup - July 16th
EARN News Roundup - July 16th
July 15, 2012

by Matt Silva, Research Analyst

Hi EARNies,
Here's some more fresh news from the world of finance. Enjoy!


Join us 7/19 in L.A. for a sneak preview report briefing on what we learned from 1,000 Californians
Join us 7/19 in L.A. for a sneak preview report briefing on what we learned from 1,000 Californians
July 09, 2012

by Sunaena Chhatry, Public Policy Manager

Later this month, EARN will release a groundbreaking report that highlights what we have learned from meetings with nearly 1,000 low-wage constituents across California. I hope you’ll be among the first to get a sneak peek at the report by joining us for our Los Angeles briefing. 


EARN News Roundup - July 2nd
EARN News Roundup - July 2nd
July 01, 2012

by Matt Silva, Research Analyst

Happy 4th of July week, everyone! Here's a collection of stories that we're reading this week...


EARN News Roundup - June 25th
EARN News Roundup - June 25th

by Matt Silva, Research Analyst

We're back after a short hiatus with more stories from the world of savings and finance!


EARN News Roundup - June 11th
EARN News Roundup - June 11th

by Matt Silva, Research Analyst

It appears that last week was a busy one in the world of finance and prosperity. There's lots of interesting news stories we've been following, and we hope you'll read along.


Hello from new EARNie Scott Thi
Hello from new EARNie Scott Thi
June 07, 2012
by Scott Thi, Financial Services Assistant


I am EARN's new Financial Services Assistant. You can meet me at the front desk at EARN, and I will also be helping out in the Financial Services team office. Please drop by and say hi to me!


BREAKING: EARN announces goal to serve one million families!
BREAKING: EARN announces goal to serve one million families!
June 05, 2012

by Ben Mangan, President & CEO

I’m writing to thank all of you who helped EARN celebrate our first 10 years at last month’s EARN 10 Gala – and I have two very important announcements about our next 10 years of working together to help hardworking people strive toward prosperity.


EARN News Roundup - May 14th
EARN News Roundup - May 14th
May 13, 2012

by Matt Silva, Research Analyst

Hot off the presses! Another round of news stories to keep you up to do on the goings-on in the microsavings field. Enjoy!


EARN News Roundup - May 7th
EARN News Roundup - May 7th
May 06, 2012

by Matt Silva, Research Analyst

Hello EARNies! Here's what we're following this week in the news. Enjoy!


EARN News Roundup - May 1st
EARN News Roundup - May 1st
April 30, 2012

by Matt Silva, Research Analyst

Hello EARNies! Here's a sampling of what we're reading here at EARN this week...


Cornel West and Tavis Smiley Rightfully Scare Us
Cornel West and Tavis Smiley Rightfully Scare Us
April 29, 2012

by Ben Mangan, President & CEO

We should heed Tavis Smiley and Cornel West's warning on what rising poverty portends for America's future.


ING MONEY Card: Financial “Learner’s Permit” Or A Ticket To Ride?
ING MONEY Card: Financial “Learner’s Permit” Or A Ticket To Ride?
April 25, 2012

By Matt Silva, Research Analyst

ING has a new pre-paid debit card for teens called MONEY that aims to be a financial "learner's permit" for teens. We take the card for a ride to see if its controls and features really could help teens learn basic financial management skills.


EARN News Roundup - April 23rd
EARN News Roundup - April 23rd
April 22, 2012

by Matt Silva, Research Analyst

Well folks, tax season is behind us, but the world of finance keeps on spinning. Here are the latest stories that we're tracking here at EARN, and as always, please feel free to send along your recommendations.


EARN News Roundup - April 16th
EARN News Roundup - April 16th
April 16, 2012

by Matt Silva, Research Analyst

Hello folks! Here's another sampling of what we're reading here at EARN. Enjoy!


EARN Research Institute Case Study: Redesigning Matched Savings to Scale
EARN Research Institute Case Study: Redesigning Matched Savings to Scale
April 17, 2012

by Nga Chiem, Vice President

EARN is an expert on how to save, and we realized that the current model of matched savings accounts is only serving less than 1% of the more than 57 million Americans who need it. That’s why we decided to seek a different solution that would lower the cost of providing savings accounts to low-wage families while maintaining – or even increasing – the impact for those families.


EARN News Roundup - April 9th
EARN News Roundup - April 9th
April 08, 2012

by Matt Silva, Research Analyst

Hello EARN-osphere... here's what we're reading this week. Enjoy!


EARN’s News Roundup
EARN’s News Roundup
April 02, 2012

by Matt Silva, Research Analyst

Hello EARNies! Here's another dose of EARN-related news content to get your week started off right. Again, feel free to send me along any links you might be finding that would be of interest. Enjoy!


‘‘This is the very first time I won a contest!’’
‘‘This is the very first time I won a contest!’’
April 13, 2012

by Olivia Beltran, Marin County Financial Services Associate

Here is a message from Nancy Guevara, the grand prize winner of EARN’s recent Children’s Education Account referral contest.


Introducing… EARN’s News Roundup
Introducing… EARN’s News Roundup
March 27, 2012

by Matt Silva, Research Analyst

Welcome to the inaugural edition of EARN's News Roundup! We'll save you time scouring the web for savings-related news, and we guarantee that our links will yield the highest interest! (womp womp)


With love and thanks on Valentine’s Day for the $133,000 you raised!
With love and thanks on Valentine’s Day for the $133,000 you raised!
February 10, 2012

by Amanda Byrd, Development & Communications Director

Valentine's Day is the perfect time for a heartfelt THANK YOU. You raised over $133,000 for children like Ricardo in the EARN Family Challenge!


Will you help get this message to President Obama?
Will you help get this message to President Obama?
January 26, 2012

by Ben Mangan, EARN President & CEO

I was greatly encouraged by President Obama's focus on strengthening the American Dream in this week's State of the Union address. It inspired me to make sure we find a way to get a brief message to the President in response. Many of you have ties to the White House -- so I hope you'll pass this message along to anyone who can help President Obama learn directly about EARN's work restoring integrity and opportunity ot the American Dream. 


EARN Volunteer: My Path, Savers’ Paths
EARN Volunteer: My Path, Savers’ Paths
November 15, 2011

by Regina Aberin, EARN Volunteer

When I found out about EARN and their mission to help low-income families in the local area, I felt compelled to volunteer. That’s where I met Mu, whose story has many similarities to mine but a whole different perspective.


Thank You, EARN Savers.  We Love You Too.
Thank You, EARN Savers.  We Love You Too.
November 02, 2011

by Jade Shipman, Senior Research  Associate

Recently, the EARN Research Institute interviewed our Savers about their EARN experience. One Saver said, “It definitely created a tunnel of hope for this family.” Find out what others had to say!


Does Occupy Wall Street Have the “X-Factor”?
Does Occupy Wall Street Have the “X-Factor”?
October 20, 2011

by Ben Mangan, President & CEO

Optimism is America's secret sauce, and we'll stagnate permanently without it. The puzzle for our leaders and policy makers is how to square our need for optimism with our need for fairness. (Good luck!)



WHAT? A condom for my credit cards?!?
WHAT? A condom for my credit cards?!?
September 27, 2011

by Saundra Davis, Wealthcare Coach

There’s been quite a bit of buzz recently about EARN’s work to break the cycle of poverty by helping people manage their money better. I created the “credit card condom” to encourage people to think about their long term financial goals each and every time they make a purchase.


Time Travel and the Education Debt Crisis
Time Travel and the Education Debt Crisis
March 30, 2011

by Jill Sturm, Financial Services Director

What if you could turn back time? With all due respect to Cher, EARN Financial Services Director Jill Sturm wonders whether the growing problem of education debt is the country's next economic bubble.


Homeowners Tax Credit Expires Today - the Start of a Double Dip?
Homeowners Tax Credit Expires Today - the Start of a Double Dip?
April 29, 2010

by Ben Mangan, CEO

Will the housing market start to slip again as the homeowners' tax credit expires? The tax credit expires today and reflects a very public move in the government's really significant disinvestment in the market. The government's role in the housing market has undeniably kept it, and much of the economy afloat. Now that we let the market back into the driver's seat, will the center hold? Will we slide into the start of a double dip recession? Who knows.



Microfinance USA puts Savings on the Table
Microfinance USA puts Savings on the Table
May 13, 2010

by Ben Mangan, CEO

The nation's premier event on domestic Microfinance - Microfinance USA - opens here in San Francisco on May 20th. I have the privilege to speak on a plenary on savings at the conference, and look forward to what I know will be a fascinating conversation. There appears to be a consensus among those of us working to encourage savings among lower income earners, that driving savings is a powerful strategy that can help people create prosperity. But there are sharply divergent views over the best way to encourage savings, and lots of data and perspectives that inform the arguments.



Double Dip Media Frenzy: Voice Your Own Opinion Here
Double Dip Media Frenzy: Voice Your Own Opinion Here
July 14, 2010

by Ben Mangan, CEO

Ask ten "experts" whether we are headed for a double dip recession, and you'll likely get ten different answers. And the press is having a field day with this ambiguity. This is not surprising since stories predicting economic apocalypse are almost as tantalizing as forecasting the next boom. If you are already nervous about what's to come for the economy, following the press on this issue will only exacerbate your anxiety. And if you aren't anxious yet, you will be soon if you keep reading.



Financial Health Checkup
Financial Health Checkup
July 18, 2010

by the EARN Wealthcare Team

Since we’re half way into the year, July is a great time to pause and take a look at your financial affairs. Is your financial house in order?


The 3 C’s: Coach, Counselor, Consultant
The 3 C’s: Coach, Counselor, Consultant
July 28, 2010

by the EARN Wealthcare Team

We love coaching. Yet we struggle with the word. After all, what is a coach? What differentiates a coach from a counselor or consultant?  And furthermore, what makes someone qualified to coach? From the perspective of EARN’s Wealthcare team, we bring you a few descriptions and things to consider when engaging one of the 3 C’s:


Insurance: Are You Covered?
Insurance: Are You Covered?
August 11, 2010

by guest blogger Holly Gillian Kindel

Every day we face risks: some we recognize, others we may not. Getting into the car, eating prepackaged food, and watching television are all behaviors with a certain level of risk. Risk management is simply the process of assessing your risks and choosing how to handle them. You can manage risk by avoiding it, retaining it (either consciously or through inaction), or transferring it to another (through the purchase of insurance). We all employ a combination of these methods; the ideal is to have our method of handling risk match our risk capacity (typically measured financially) and risk tolerance (more of a gut check).


Money Beliefs: What’s Driving Your Financial Health?
Money Beliefs: What’s Driving Your Financial Health?
August 25, 2010

by the EARN Wealthcare Team

We all have beliefs about money that trigger strong feelings and emotions. It’s important that we learn to recognize our beliefs and begin to understand how they influence the way we live with and manage our money.


Who Moved My Three-Legged Stool?
Who Moved My Three-Legged Stool?
September 08, 2010

by guest blogger Saundra Davis, co-founder of EARN's Wealthcare coaching program

One of the first lessons I learned as a new financial planner was the concept of the “three-legged stool.” Now, this was the very first time I had ever heard of this piece of furniture and I was thrilled to know that I had one. I took great interest as my instructor discussed how the stool represented the three financial streams that would fund my retirement: social security, employer pensions and personal savings. He described it so eloquently that I found myself chanting “a financially secure retirement comprises what your employer does for you, what your government does for you, and what you do for yourself.” After a few moments, I realized that at least one of my three legs was missing. Oops!


Pleased to Meet You!
Pleased to Meet You!
August 15, 2010

by Charlotte Hill, Social Media Fellow

Remember the good old days of childhood? Otter Pops, spontaneous adventures in the backyard, constant praise of relatively minor successes (“You brushed your teeth all by yourself? I’m so proud of you!”) — all staples of that carefree lifestyle that so many of us long to recapture.


How We’re Making Kids 7x More Likely to Attend College
How We’re Making Kids 7x More Likely to Attend College
August 22, 2010

by Charlotte Hill, Social Media Fellow

While a college education may not be the panacea that people once imagined, a clear trend still remains: graduates earn more money than their dropout — or, worse yet, completely college-less — peers. To join the middle class, chances are you’ll need a four-year degree.


How the Credit CARD Act Is a Net Win for Consumers
How the Credit CARD Act Is a Net Win for Consumers
August 29, 2010

by Sunaena Chhatry, Senior Policy Associate

Landmark credit card reform legislation enacted by President Obama in 2009 reached its final phase of implementation last Sunday, August 22.  Called the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, the bill significantly impacts U.S. consumers – or, more precisely, their wallets.


Happy Belated Labor Day!
Happy Belated Labor Day!
September 06, 2010

by Charlotte Hill, Social Media Fellow

Check out this brief "Happy Labor Day" video from the few EARN staff members still at the office on Friday evening!


Are Wealth and Health Really Related?
Are Wealth and Health Really Related?
September 06, 2010

by William Lapp, Ph.D., Research Manager

Think your job is killing you? You might have something there, especially if you’re underpaid and overworked. Harnessing the power of multivariate statistical analyses, we’ve examined recently released data on a representative sample of the United States – a full 428,000 people — from the Center for Disease Control.  When these people’s health is graphed relative to their age and income, the wealth–health connection is plain to see.


Grassroots Constituency, Here We Come!
Grassroots Constituency, Here We Come!
September 12, 2010

by Sheryl Lane, Director of Constituency Building

California, like many states, continues to struggle with passing a state budget and providing the resources that some individuals and families need to survive. Meanwhile, in these changing economic times, the number of Golden State families living from paycheck to paycheck, if they still have one, is steadily increasing.


Should For-Profit Colleges Face Stricter Regulations from Uncle Sam?
Should For-Profit Colleges Face Stricter Regulations from Uncle Sam?
September 20, 2010

by the EARN Policy Team

Defaults on student loans are on the rise. And according to current data, a main cause may be the recent surge in enrollment at for-profit colleges. In recent years, the sheer number of these schools has grown considerably, with enrollment climbing from about 365,000 students to almost 1.8 million. For-profit colleges draw the greater part — sometimes 90% — of their funding from federal aid. Since higher enrollment equates to more money, these for-profit schools have a strong economic incentive to encourage students to enroll.


4 Self-Care Tips to Keep You Inspired and Effective
4 Self-Care Tips to Keep You Inspired and Effective
October 04, 2010

by Iliana Montauk, Financial Services Associate

Last week was non-stop at work. Next week will be busy, too. And yet here I am, sitting at home on a sunny Sunday afternoon, doing what? Working. Last Friday, I planned to write a blog post for EARN, so I carefully blocked off some time on my Outlook calendar to accomplish the task. Then a deluge of EARN clients, whom we call Savers, came gushing into the office. It would have been a normal influx if my co-workers had been available, but they were out of the office. As I jumped up to help, I pushed aside my thoughtful time-management plan and chose to focus on my priority: serving EARN’s Savers.


Dametra Williams: From Homeless to Prosperous
Dametra Williams: From Homeless to Prosperous
September 25, 2010

by Charlotte Hill, Social Media Fellow

Bleary-eyed and groggy, I snap to attention at the sound of my blaring alarm. The clock reads 7am. Of all my waking moments, this one consistently ranks at the bottom of my list. But day after oh-so-early day, there’s one thing that gets me out of bed and out the door to our San Francisco office: the story of Dametra Williams.


Three Simple Ways to Tell Stories
Three Simple Ways to Tell Stories
February 13, 2013

by Ben Mangan, President & CEO

To avoid boring your audience, make sure you are using not only the right messages, but also the right messengers.


Big Idea 2013 - Nonprofits Should Give up the Driver’s Seat
Big Idea 2013 - Nonprofits Should Give up the Driver’s Seat
December 11, 2012

by Ben Mangan, President & CEO

We nonprofits take entirely too much credit for our success. Seriously – we really do. 



Time to Unleash American Possibility
Time to Unleash American Possibility
November 13, 2012
by Ben Mangan, President & CEO
 

How do we get America to do what it is supposed to be best at – creating possibility for everyone willing to work toward their dream?


Three Ways Nonprofits Can Increase Excellence
Three Ways Nonprofits Can Increase Excellence
November 13, 2012

by Ben Mangan, President & CEO

Why doesn’t the field of nonprofits proportion its management and leadership excellence to the size and complexity of the problems we face?



The Three Things the CFPB Must Do
The Three Things the CFPB Must Do
November 19, 2012

by Ben Mangan, President & CEO

I recently had the opportunity to directly share my thoughts with Richard Cordray, the Director of the Consumer Financial Protection Bureau, on how the CFPB can fulfill its mission.



Landmark Asset-Building Bills Signed Into Law By Governor Brown
Landmark Asset-Building Bills Signed Into Law By Governor Brown
October 03, 2012

by Sunaena Chhatry, Public Policy Manager

Governor Jerry Brown determined the fate of a flurry of legislation this week, signing or vetoing bills that had previously been approved by the California State Legislature. On behalf of the low-income communities we serve, EARN is thrilled that the Governor signed at least three bills that can help millions of Californians achieve long-term financial security by improving access to higher education and retirement savings.


Poverty Shouldn’t Be a Dirty Word But a Spark for Action
Poverty Shouldn’t Be a Dirty Word But a Spark for Action
September 24, 2012

by Sheryl Lane, Director of Public Policy

Recent political speeches – including those at the Democratic National Convention and the Republican National Convention – have focused strongly on America’s middle class. Everyone is talking about the middle class. Yes, the issues of the middle class are critical to our country’s future... and so are the issues of those who are currently living in poverty.


Bad Credit and Good Credit – The Basics
Bad Credit and Good Credit – The Basics
September 14, 2012

by Scott Thi, Financial Services Assistant

We all know that credit is important in our society. Exactly how important is it? Your credit can come into play under several scenarios, such as renting an apartment, applying for a credit card, applying for a car loan or a mortgage or even applying for a job.  Therefore, good credit is crucial in creating prosperity.


Key Asset-Building Legislation Makes Its Way to Governor Brown
Key Asset-Building Legislation Makes Its Way to Governor Brown
September 10, 2012

by Sunaena Chhatry, Public Policy Manager

Over the past eighteen months, EARN has actively supported and advocated on behalf of a small number of selectively chosen bills that could unlock much-needed opportunities for low-income families to build financial security. 


EARN 2014 Mission: Possible Gala
EARN 2014 Mission: Possible Gala
May 9, 2014
7pm @ Bimbo's 365 Club in San Francisco

The cocktails are shaken, not stirred. The room is abuzz with fun, mystery, and thrills worthy of any secret agent. And that’s only the beginning when you attend EARN’s MISSION: POSSIBLE 2014 Gala. It’s a night of fun and excitement that James Bond and Ethan Hunt would be proud of. . Click here to purchase tickets and join us for a night of celebration with fabulous food and wine, a live auction, plus great music and dancing.


Follow the Conversation