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We conduct research about the financial lives of our Members—combining data and stories to show what’s working, what’s not, and how to build a better financial future for all.
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- Credit and Debt
- Fintech
Proceed with caution: Fintech credit and financial instability
- Fintech
Democratizing Financial Guidance: Early Lessons from SaverLife’s AI-Powered Navigator
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Democratizing Financial Guidance: Early Lessons from SaverLife’s AI-Powered Navigator
Imagine a financial guide in every pocket. One that remembers your goals, reviews your accounts, answers your questions, and nudges you toward next steps—without fees and with a focus on your unique needs and priorities. That’s the vision we set…Continue reading “Democratizing Financial Guidance: Early Lessons from SaverLife’s AI-Powered Navigator”
How housing costs undermine financial stability in the NYC metro area
Rent first, everything else later With generous funding and support from Deutsche Bank, this study focuses specifically on renters in the New York City metro area. By focusing on the New York City metro area, this report adds a geographically…Continue reading “How housing costs undermine financial stability in the NYC metro area”
Why We Can’t Afford to Lose LIHEAP as Households Face Record Energy Costs
The Low Income Home Energy Assistance Program (LIHEAP) faces an uncertain future. In 2025, the White House proposed a complete elimination of LIHEAP in its FY 2026 budget request. While Congress has not adopted that proposal, funding decisions for FY 2026 remain…Continue reading “Why We Can’t Afford to Lose LIHEAP as Households Face Record Energy Costs”
As energy costs climb, interest in clean energy is surging
The financial toll of severe weather is hitting home Extreme weather is no longer a theoretical risk for low- and moderate-income households — it’s a persistent, day-to-day challenge. Rising energy bills, driven by weather extremes and inflation, are placing increasing…Continue reading “As energy costs climb, interest in clean energy is surging”
Is Philadelphia still a city where the dream of homeownership can come true?
Unlocking homeownership for Philadelphia renters This work was generously supported and funded by Wells Fargo Foundation. Through a custom survey and in-depth insights from local members, we examine whether the city’s long-standing reputation for housing affordability is still accessible to…Continue reading “Is Philadelphia still a city where the dream of homeownership can come true?”
What happens when you personalize? A 225% boost in microentrepreneur engagement
The Challenge Microentrepreneurs—including gig workers and 1099 earners pursuing side hustles, creative passions, or small businesses—often navigate a financial landscape defined by uncertainty. Many piece together multiple income streams without access to employer-provided benefits, paid leave, or stable wages. Among…Continue reading “What happens when you personalize? A 225% boost in microentrepreneur engagement”
Proceed with caution: Fintech credit and financial instability
Short-term relief, long-term risk: The real impact of fintech credit on struggling households SaverLife is grateful for the support of the Gates Foundation for making this research possible. This is the second in a two-part research series examining how financial…Continue reading “Proceed with caution: Fintech credit and financial instability”
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