For a large share of Americans, housing costs are a severe burden. In 2014, the total number of households using more than 30% of their income for housing increased to 40 million, with almost 20% of households using more than 50% of their income to pay for housing costs. To address this financial burden, we partnered with fin-tech start-up EarnUp to help Americans pay off their home mortgages faster and increase long-term savings. EarnUp has built software that intelligently syncs users’ income and expenses. This expense-matching software helps users save thousands of dollars on debt interest reduce loan term by over five years, avoid default, and build net worth faster.