Lives are transformed little by little

We build financial resilience and generational wealth.

Through saving, coaching, and learning, working as one connected system — with the right tools and guidance at every step.

For the people we serve, financial resilience starts with small, meaningful steps. Just ask Christina.

"My mom got hospitalized and I used my entire savings to take care of her. So, I took out a loan to cover that. I didn't realize how high the interest rates were and got way behind. I constantly dread about debt… It's reassuring to know there are people out there who will help you." — Christina, Savings Collaborative member

[image: woman holding her daughter, smiling]

Christina's story isn't unusual.

Thirty-seven percent of Americans can't cover a $400 emergency expense without going into debt. For the families we serve, that number rises to nearly 60%. They work hard every day. But when something unexpected happens, there often isn’t a clear or accessible option in that moment—so even the best intentions fall away.

We focus on that moment—helping people close the gap between intention and action through tools, guidance, and learning by doing.

That's what Savings Collaborative builds: an integrated model proven across Colorado and scaling nationally through partners in higher education, housing, and community-based systems.

The right tool at the right moment

Savings Collaborative works like a Swiss Army Knife for financial resilience: practical tools for saving, coaching, emergency support, education, and community connection, all in one connected system.

The Guidance Engine works like Waze for financial decisions, helping people know which tool to use, when to use it, and how to take action in real time.

[illustration: Swiss Army Knife + waze-like image we already have]

An integrated ecosystem for financial resilience

Three ways we support financial resilience, coordinated by the Savings Collaborative Guidance Engine.

Digital Savings Platform: A multilingual app that makes saving a habit.

Easy to use, with automatic saving
Timely insights and personalized nudges
Milestone incentives that reward progress
Access to emergency loans when life gets unpredictable

Financial Coaching: Personalized guidance that turns knowledge into action.

One-on-one coaching from certified multilingual counselors
Strategies to manage debt and build credit
Goal-setting and planning for what comes next
Delivered virtually, by phone, or in person

Financial Education: Learning that shows up in everyday decisions.

Virtual and in-person workshops hosted with community partners
A multilingual Financial Resilience App with self-paced content
Exercises built around real financial choices
A Financial Well-Being Badge, offered through select programs

How we bring the model into trusted systems

Partnerships allow Savings Collaborative to bring its model into the places people already study, live, work, receive support, and make financial decisions—without losing the human trust at the center of the work.

1.Direct service, in partnership with trusted programs.

We work through community-based organizations where people already go for support, turning key moments into opportunities to build financial control and freedom.

2.Place-based implementations across a region.

We implement the model across a defined community or region, working across multiple organizations so people encounter it consistently across the places they already go.

3.Partnerships focused on key financial moments, pathways, and populations.

We connect the model to specific decisions—such as tax time, debt, and investing—and to the needs of particular populations.

4.Institutional integrations that scale financial resilience.

We embed the model into larger systems, such as higher education and housing, making financial decision-making part of the system itself.

Across every model, the goal is the same: help people move from one-time support to durable financial resilience and generational wealth.

See how this looks in practice. Explore our partnerships →

Real-life results

Our impact is real and measurable

$7MCollectively saved by our clients

$300KEmergency microloans (near-zero default rate)

$600KTotal consumer debt reduced

Make it possible

Everyone has a role to play in building financial resilience.

Partners

We embed our coaching, tools, and learning into your programs—to strengthen the outcomes you’re working toward.

Partner with us →

Donors

Your support strengthens the coaching, tools, and guidance that help families save, reduce debt, and build generational wealth.

Donate

Clients

Start saving, connect with a coach, and access tools designed to help you reduce debt, build credit, and move forward.

Get Started