In Aurora, too many households – 1 in 6 – have zero net-worth, says Rick Guzman, CEO of The Neighbor Project (TNP), a NeighborWorks network organization. His nonprofit formed in 2018 to do something about it, with a focus on helping low- to moderate-income individuals build financial health and wealth. Much of this takes place through the newly formed Aurora Financial Empowerment Center. Now in its second year of operation, the center has already served 672 families. 

When a crisis strikes, NeighborWorks network organizations have tools to help. During the pandemic, one of the most visible tools was financial counseling, reports Michael Rayder, associate director of development with Maine's Avesta Housing. Individuals in Avesta's apartment rental homes lost jobs, hours and wages. "They needed to re-evaluate how they managed their budgets," Rayder says. "Financial capability was the way for us to provide services for people who were suddenly in crisis mode."

Trees surround the four-story project at 16th and F Streets in Sacramento, California. On that corner, in what's known as the City of Trees, NeighborWorks network organization Mutual Housing is overseeing the construction of its first affordable, LGBTQIA+-welcoming senior housing project. The project is believed to be the first of its kind in the central valley, but leaders hope it won't be the last.