Prosperity Now

Savings and financial capability: the savings and financial capability program focuses on program and practice innovations that help low-income individuals and families have the knowledge, skills, and resources they need to build assets. The program ensures adults also have access to a range of products and services that support financial capability and asset building, including individual development accounts, financial coaching and counseling, financial education, and access to other financial products. The program provides technical assistance, research, and policy support to the field of financial capability and asset building providers. It is also ensuring that large public systems such as schools, workforce development, housing programs, and emergency assistance incorporate opportunities to build financial capability.

National conference and communications: : Prosperity Now's communications team supports each of its ongoing programs as well as the larger goals of the organization by elevating Prosperity Now's brand, programs, and experts, and by promoting and explaining the work of Prosperity Now to a variety of stakeholders. This work is accomplished chiefly through strong engagement in social media and the publication of blogs, newsletters, reports, policy papers and other printed materials through the Prosperity Now website, traditional media and stakeholder outreach. In addition, the communications team works with the organization's other core programs to provide technical assistance to Prosperity Now partners and grantees. The communications team is also charged with producing Prosperity Now's biennial Prosperity summit (previously referred to as the assets learning conference), the premier national convening on financial capability and asset building. Since its launch in the late 1990s, the conference has always been a dynamic event, with extensive networking and business-to-business bridge-building, balanced with presentations by national leaders from the public and private sectors, prominent researchers, cutting-edge analysts and nuts-and-bolts innovators.

Research, policy, racial wealth divide and field engagement: the applied research team at Prosperity Now produces and disseminates three kinds of research: (1) research that helps define the current state of household financial security in the u.s.; (2) research that documents the emergence and growth of innovative new programs, policies, and products designed to help improve financial security for u.s. consumers, and; (3) research that builds the evidence base about the effectiveness of these strategies.in 2015, Prosperity Now launched the racial wealth divide initiative to help Prosperity Now address racial wealth inequality in a more comprehensive and targeted manner. The policy program at Prosperity Now helps educate policymakers, advocates and the public about innovative policy ideas that can support low-income households in their efforts to strengthen their financial well-being.prosperity Now's field engagement team connects, builds the capacity of and mobilizes a broad range of stakeholders in the asset-building and financial capability fields. The team manages Prosperity Now's national networks of advocates, practitioners, policymakers and others working to ensure that low- and moderate-income families have the skills, support and opportunities to fundamentally improve their economic position.

Affordable homeownership:to ensure that low-income and vulnerable people have the opportunity to build wealth through homeownership, the affordable homeownership program seeks to (1) prepare people for homeownership through homeownership counseling, down payment assistance and idas, credit repair and credit building, and addressing predatory lending in communities; (2) increase the availability of affordable homes by increasing and preserving affordable housing stock, including quality manufactured housing, and lowering the cost of entry to homeownership (e.g., shared equity, inclusionary zoning, land trusts) and (3) reduce the risk of homeownership by promoting foreclosure prevention techniques, high-touch servicing, and emergency savings.

Childer's saving accounts: