The document is a presentation by the CEO of Neighborhood Trust, a nonprofit financial services provider, to a social enterprise leadership forum. It outlines Neighborhood Trust's vision of helping the working poor build assets and wealth through innovative financial products and services designed based on principles of behavioral economics. It discusses challenges such as clients' irrational focus on savings over reducing debt, and difficulty budgeting once money is received, and proposes solutions like reframing debt repayment as a form of savings and leveraging workplace payroll systems to facilitate direct deposit and automatic budget allocation.