Employer Solutions: From Emergency to Resiliency

In light of COVID-19, the financial security of workers has never been more in question. The workplace is an important delivery channel for tailored financial products and services that can help meet employee’s immediate financial needs and build long-term financial stability.

The workplace is a unique platform to identify, target, and meet the specific financial needs of employees. This webinar gives funders the tools and inspiration to respond effectively to the low- and moderate-income workforce in this moment and beyond.



We Tracked Every Dollar 235 U.S. Households Spent for a Year, and Found Widespread Financial Vulnerability


Income inequality in the United States is growing, but the most common economic statistics hide a significant portion of Americans’ financial instability by drawing on annual aggregates of income and spending. Annual numbers can hide fluctuations that determine whether families have trouble paying bills or making important investments at a given moment. The lack of access to stable, predictable cash flows is the hard-to-see source of much of today’s economic insecurity.




Thriving but Still Vulnerable in the U.S.

Budgeting for a Year with Lumpy Income

Emergency Savings

Extended family strives to get ahead

Getting By With Limited Resources

An Invisible Finance Sector: How Households Use Financial Tools of Their Own Making

Keeping Control by Relying on Cash

The USFD Methodology – The financial lives of low-and moderate-income Americans

Spikes and Dips: How Income Uncertainty Affects Households

One Size Does Not Fit All: A Comparison of Monthly Financial Services Spending

How Should We Serve the Short-Term Credit Needs of Low-Income Consumers

Understanding and Improving Consumer Financial Health in America