Earn

American has a savings crisis. Typical families at the bottom of the income ladder have less than 14 days of income available in the event of an emergency. An unexpected medical bill, car repair, or loss of a job is catastophic in those circumstances.  

At EARN we know that savings is a core component of financial health. A savings habit – and the stability it brings – is as or more important than income. We cannot address financial instability without providing a way for families to save for the short term and build assets for the future.

That's why we work with families around the country to help them save their first $500. An emergency fund of as little as $500 can make a real difference in people's lives. Studies show that low-income families with at least $500 in an emergency fund are better off financially than moderate-income families with less than this amount. 

EARN's Savers are hardworking Americans who want to save for a better life for themselves and their families. The typical EARN Saver is a mother making less than $22,000 a year. 

For example, before saving with EARN 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 be tight, but saving gives me freedom and choices I never had before.” With EARN, Mariana saved for a safe home for her family.

Join EARN's first $500 campaign to help thousands of families save for their futures.