Earn is dedicated to helping low-wage workers save and invest for their families' futures, addressing the financial struggles faced by many Americans living on the edge of poverty. Since its inception in 2002, Earn has successfully helped over 5,200 savers accumulate $6.2 million, with 83% of participants continuing to save post-program. The organization plans to expand by opening 1 million new goal-based savings accounts by 2022, thus aiming to change the financial landscape for low-income Americans.

1. Big dreams start
with small savings.

2. OUR MISSION | 2
EARN helps low-wage workers to save
and to invest in their families’ futures:
We turn effort into opportunity.

3. OUR MISSION | 3
WHY DO WE DO THIS?
* Pew Research Center

4. 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.

5. THE PROBLEM | 5

6. 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

7. 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.

8. OUR SOLUTION | 8
1 million
$1 billion
Dollars
Will Save
Low Income Americans

9. 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.

10. 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.

11. 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

12. INVESTINFUTURES:GenerationalChange
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
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