When people seek to improve their finances, credit is one of the top three concerns people have, believes Sarah Chenven, chief operating and strategy officer for Credit Builders Alliance (CBA).

Jamill Martinez, director of network organizing at Lawrence CommunityWorks, Inc., a NeighborWorks organization in Lawrence, Massachusetts, has spent her recent afternoons visiting bodegas. That's where many residents in her community who rent single rooms in homes or apartments go to eat hot meals of empanadas, sub sandwiches, plantains and more. So that's where Martinez and her coworkers have gone to talk about the dangers of scams.

Leslie Reid was born into a family of two: It was her and her mother, alone in New York, in need of better prospects. Reid spent time in foster care while her mother went to find them a home. Her family grew exponentially when she rejoined her mother, who had found work in Boston with a community of social workers. They'd started an organization for homeless youth, Reid says, and they lived together and worked together, providing shelter and services. 

"If there's a silver lining to the pandemic," says Daniela Ogden, Eden Housing's vice president of communications, advocacy and fund development, "it's this: Affordable housing works. Even as residents lose hours and jobs, those who live in Low-Income Housing, Tax Credit housing, or receive Section 8 or 202 housing vouchers, have remained stably housed. The programs, coupled with rent relief provided by Eden's Tenant Relief Fund, have given low-income residents one less thing to worry about."

Hilly Jacklin had wanted to own a house for years, and the one she finally found was beyond her wildest dreams: a Victorian-style duplex, built in 1895, in Hannibal, Missouri. Half, she would be able to rent to help her afford the mortgage. The other side, she would live in herself.