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      "kind": "list",
      "text": "Financially Vulnerable\n37MM\nSpending > Income\nMinimal savings\nOverdraft 10-20x per year\nNeed help building credit\nNeed to find new work opportunities",
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      "text": "Financially Coping\n139MM\nSpending ~ Income\nModerate near-term savings; insufficient\nlong-term savings\nOverdraft several times per year\nNeed help building credit\nNeed access to affordable credit",
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      "text": "6% Y-o-Y Growth (9MM Customers) in 2022",
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      "text": "Note: TAM = total addressable market.\nSource: Financial Health Network's \"Financial Health Pulse 2022 U.S. Trends Report\"; 176 million represents the total number of financially vulnerable and financial coping consumers in that study.",
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