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Conventional wisdom often tells Americans that building short-term savings is the key to building wealth. However, due to factors such as income volatility, increasing debt, unexpected expenses, and savings accounts that are failing to meet their needs, Americans are struggling to build an emergency fund and are taking on high-cost debt or dipping into their retirement accounts to address their financial challenges. Before building wealth, people need to achieve a baseline level of short-term savings. The following conversion tackles the emergency savings challenge for underserved communities through a variety of engagement models and non-traditional channels. The presenters discuss what it will take from the fintech ecosystem for everyday Americans to move beyond short-term financial security to long-term wealth.