Most American households do not have enough savings to pay an unexpected $400 expense, according to a recent Federal Reserve survey. It’s one of the findings we discuss in the new book What It’s Worth and one of three distinct stories told by our Community Development team in the 2015 annual report, What We’ve Learned…and why it matters. Financial insecurity and income volatility affect every facet of life including health, housing, employment, and education. Helping more families get on the road to economic opportunity requires holistic solutions.