As many Americans head into the holidays unemployed and behind in rent and utility bills, a new report from the FINRA Investor Education Foundation and SaverLife found that people who maintained more than $100 in savings were much less likely to have their utilities shut off or resort to high-cost borrowing methods.

Twenty-eight organizations from 18 states and the District of Columbia will elevate diverse voices and broaden the national conversation about poverty and economic mobility at a critical moment in our nation’s history as recipients of $100,000 grants in the Voices for Economic Opportunity Grand Challenge, sponsored by a group of eight philanthropic organizations.