Pathways to Homeownership for Gig Economy Workers


Wells Fargo Foundation

Lydia’s House

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Our Approach

Over 57 million Americans are freelancing, which equals 36% of the U.S. workforce and 50% of millennials.  America’s gig economy contributes $1.4 trillion annually to the economy, a 30% increase since last year.  


However, the cash-based, transient nature of gig economy work can make it difficult to save for long-term financial goals like buying a house. This leads to a vicious cycle of bad financial habits if earnings are not directed towards wealth-building opportunities and assets.


The Wells Fargo Foundation was looking for an innovative way to support America’s gig economy by helping workers save more and invest their earnings in home ownership. Under this initiative, Wells Fargo Foundation and Lydia’s House will be licensing Sou Sou Lite as a way to help workers save smarter with peers, repair credit scores, and participate in eligible first-time home buyer programs.


This initiative is a great way for Wells Fargo to earn Community Reinvestment Act (CRA) credit while driving affordable housing opportunities for low to moderate income communities. 


Value Proposition for Banks

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