Public Policy

EARN’s public policy program is focused on advocating for and creating policies that promote the growth and quality of goal-based savings programs for low-income families, sustains and increases public investment in savings programs and removes regulatory barriers that prevent low-wage workers and low-income families from saving.

What We Do

  • EARN tests product and programmatic innovations that help demonstrate feasible and sound policy solutions to support the financial success of low-wage workers and their families.
  • EARN trains Saver Alumni to enhance their leadership, communication and team building skills and learn how public policies can expand opportunities for more people to save.
  • EARN educates policymakers and partners with organizations and coalitions to promote public policies that reduces poverty and increases savings

Policy Reports

EARN has authored and commissioned studies on a range of issues impacting savings and asset building opportunities for low-income families and low-wage workers. View our reports here.


EARN works in partnership with organizations and coalitions to advocate for savings and asset building opportunities. EARN also partners with government agencies to provide EARN savings accounts to constituents. EARN also coordinates the Californians for Shared Prosperity coalition.

CalWORKs: A safety net for families in need

Even with several years of job gains, California’s economic recovery is not reaching everyone. Millions of families are falling behind living paycheck to paycheck with limited means to meet their basic needs.

The California Work Opportunity and Responsibility to Kids (CalWORKs) program provides time-limited cash assistance to eligible needy families with children and focuses on helping parents find and keep jobs.

The EARN Policy Ambassador Program trains successful EARN Saver Alumni to speak with elected officials and advocate for working families.