Blog

EARN transforms lives through the power of saving. Learn more about our partners, programs, and the field of microsavings here.

“What I want is more stability”

Can flexible savings help more American’s survive income volatility? EARN’s Savings by Design Lab plans to find out.   Since I became CEO of EARN people often ask me what keeps me up at night. Like most of us brave enough to do this job, the short and immediate answer is cash flow. If you…

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Red States, Blue States: Fragile Financial State

    I must have heard the phrase “our work is now more important than ever” at least 100 times about 100 different issues since election day. But for the 18,000 low-income Americans across all fifty states who have joined EARN since October 1st, improving the financial health and stability of their families was always…

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The Art & Science of Saving: EARN’s Research Approach in the Digital Age

After 15 years of offering traditional savings programs, EARN has pioneered a new approach – bringing the power of savings to working families nationwide through a scalable, online model. Please join EARN’s CEO, Leigh Phillips, and Jade Shipman, EARN’s Director of Research & Innovation on March 29, 2017 at 11:00 AM PDT for a presentation…

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Four New Financial Institutions Added to EARN’s Savings Platform

EARN’s online savings platform enables individuals to save in their own savings account at banks and credit unions across the country, allowing anyone, anywhere to start saving for the first time. To ensure that Savers have the best possible experience with our program, EARN constantly evaluates feedback from our community and updates our offerings to…

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This post is not about Donald Trump

On November 8th, I drafted an email to share our terrific news – over 3,000 Americans had enrolled as members of EARN’s brand new savings platform since launching in October. I could hardly wait to tell you that from these 3,000 new enrollees, 672 Savers across 34 states started making deposits – 88% of whom…

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The Big Shift: Make America Save Again

A note from EARN’s CEO We launched our new and improved Starter Savings Program last week at a Washington DC event, sponsored by our friends at Intuit. It was packed with EARN partners, supporters, and friends who recognized the product as a “revolution” for the asset-building field. For me, it also marked the end of an intense…

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Two Weddings and a Knee Surgery: Savings, Health, and Happiness

A note from EARN’s CEO: Three months ago I dislocated my knee cap dancing at a friend’s wedding in Puerto Rico. The fallout from my simple misstep on the dance floor was significant: an ambulance ride, the emergency room, an MRI, knee surgery, several weeks of missed work, and months of physical therapy appointments. My…

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Our Partners -> Savers in 24 States

EARN is thrilled to have partners bringing first-time Savers to our platform in 24 states. Non-profit organizations throughout the U.S. are now using the EARN savings platform as a tool to help families achieve their savings goals. For many organizations, this is the first time they have integrated savings into their programs – because with…

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EARN: Not for Profit and Not for Sale

Last week EARN competed in New Orleans to win one of nine spots in the CFSI “Financial Solutions Lab”. As the sole nonprofit finalist, I was determined to build the case for why nonprofits must be emboldened to leverage technology solutions for the communities we support. The pitch worked: EARN was one of the winners…

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Greater Expectations: Designing Child Savings Programs that Work for Families

On my first morning at EARN, the voicemail light was already blinking on my phone. Congratulatory messages on my new job? Nope. Two calls, both about child savings accounts (CSAs). The callers were from emerging programs, looking for advice. In my eight months at EARN, I have spoken to developing CSAs from across the U.S.…

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Helping Families Expect the Unexpected

San Francisco is the first city in the nation to require six weeks of paid leave for all new parents. This new rule provides support for mothers and fathers, those who gave birth to their child, and those who became parents via surrogacy or adoption. EARN is not required to adopt the paid leave policy…

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EARN is Marching Forward!

At EARN, we are laser focused on our priorities: launching effective consumer-responsive savings programs; driving evidence-based policy change; and, building a high-performing organization. This is what we checked off our to-do list in February:

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A New Year and New Beginning at EARN

A note from EARN’s CEO.   I want to start 2016 by saying thank you. Last year was a tough one for EARN. The organization weathered several leadership changes, causing delays and setbacks. I am sure many of you wondered what was really going on at EARN and if this much-loved organization was going to…

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Saving Money: Your Top Priority for 2016

This one simple habit will help you: Reach your goals Build your confidence Help you handle life’s ups and downs What is this habit? Saving.

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Saver Success Story: Meet Mariana, Debra, Gingi, and Hugo

Mariana struggled to make ends meet for her family. She felt trapped in an endless circle of poverty and minimum wage jobs. After saving with EARN things began to change. Mariana realized that savings is a behavior and a habit, saying that “It doesn’t matter what your economic situation is, money is always going to…

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What’s the #1 Financial Stress this Season? Lack of Savings

This holiday season the average American will spend over $800 on gifts. While a new bike, tablet or hoverboard may be topping the gift list this year, lack of savings is number one on another list – the list of top financial worries in the United States. Pew Charitable Trust released a report in November…

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Funder Update: BBVA Compass, Union Bank, and Bank of the West

EARN is delighted to announce that Union Bank, BBVA Compass, and Bank of the West have pledged their support for EARN’s microsavings mission. EARN is grateful for the support of our generous and committed funders. With Union Bank, BBVA Compass, and Bank of the West’s backing, EARN will be able to help thousands of hardworking,…

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How I Saved My First $500: Praise Santos, EARN Saver

Hi! My name is Praise Santos. I am an EARN Saver and the founder of ComePlum, a creative company specializing in photography and design. My parents immigrated to

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EARN at Net Impact: Nonprofit Innovation, Economic Fairness, and Microsavings

Jade Shipman, EARN’s Director of Research & Innovation, spoke at the 2015 Net Impact Annual Conference

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EARN at the Pro Bono Challenge

EARN teamed up with an expert group of communications, PR, and digital marketing staff at the Charles Schwab Pro Bono Challenge this November. Our thoughtful, informed, and dynamic

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