earn big dreams_small_savings_2013

Big dreams start with small savings.

OUR MISSION | 2

EARN helps low-wage workers to save and to invest in their families’ futures: We turn effort into opportunity.

OUR MISSION | 3

WHY DO WE DO THIS?

* Pew Research Center

OUR NATION | 4

132 million Americans live

in or on the edge of poverty

Nearly half of all Americans (44%) lack

the savings to withstand a small

emergency

Yet, this is our reality.

THE PROBLEM | 5

WE HAVE A SOLUTION. MEET SOTHA.

“”

There was no saving before EARN. When you live paycheck to paycheck, you’re really not thinking about saving. With EARN, I always tell my kids now if you save a little here and there, it will add up. Now they all have savings accounts.

OUR SUCCESS | 6

Since 2002

5,200 EARN savers have saved

$6.2 million dollars.

EARN has proof that its mission works: Saving and investing are transformational.

OUR SUCCESS | 7

A full 83% of EARN participants continue to save after their formal program ends.

OUR SOLUTION | 8

1 million

$1 billion Dollars

Will Save

Low Income Americans

WHY EARN IS POISED

OUR EVIDENCE | 9

EARN is pioneering new uses of technology to revolutionize how we create opportunity for millions of low-wage workers.

EARN has evidence that savings changes behavior and influences inter-generational mobility.

EARN has proven that even people who on average earn $18,000 per year will save and invest in themselves with the right tools.

EARN’S SUCCESS.

OUR PLAN | 10

ACCELERATORS Incentives that motivate

people to start saving and make small investments

FINANCIAL EDUCATION / TOOLS

A growing toolbox of capabilities to save and solve financial problems

STRUCTURE & ACCOUNTABILIY

EARN and peer support throughout the savings

journey

An online, goal-based savings account that combines proven educational techniques with technology and spark capital.

BEHAVIORAL CHANGE Education and spark capital

instill proven, long-term saving habits

ONLY BIGGER.

THE TEAM

Ben Mangan President & CEO

•  15+ years of experience in social sector innovation

•  Vassar College, Harvard Kennedy School

Nga Chiem Vice President

•  10+ years of nonprofit and private sector experience

•  Brown University, Harvard Business School

BOARD Jose Arce Eugene Chan, PolicyLink Nick Eaton, Goldman Sachs Linda Harrison, Sotheby’s Mina Kim, BBAM LLC Eugene Lee Ray Mertens, Dodge & Cox Sarah Schwartz, Ph.D., USC Martin Skea, Wells Fargo Joe Vassallo, Green Thumb Holdings LLC Marion Weinreb, Marion Weinreb & Associates, Inc.

Key Advisors Guy Kawasaki •  Former chief evangelist of Apple •  Silicon Valley venture capitalist •  Best-selling author Ralph Linsalata •  Co-founder of Media Advisory Partners, New York-based

investment firm •  Former venture capitalist and investment banker •  CEO and senior positions at Novell, Lexidata & IBM

among others

OUR TEAM | 11

INVEST IN FUTURES: Generational Change

YOUR PART | 12

EARN Savers: Ricardo & Dad

Within 3 years we will serve a total of 10,000 low-wage Americans. By 2022, EARN will open 1 million new goal-based savings accounts. And change this country forever.  

To support EARN contact: Shana Beal | shana@earn.org | 415.830.3001 earn.org · facebook.com/earnorg · twitter.com/earn · youtube.com/earn