Rethinking Wealth: A New Blueprint for the Working Majority

When we talk about wealth, we often imagine investment portfolios or property ownership — not hourly wages and unpredictable shifts. Yet for millions of working Americans, income volatility defines their financial lives. Tim Flacke, CEO of Commonwealth, explains how small policy shifts and behavioral design can help turn instability into security.

Show notes from our host, Emily Trant:

A huge thank you to my guest Tim Flacke, co-founder and CEO of Commonwealth. Commonwealth is a national nonprofit building financial security and opportunity for financially vulnerable people through innovation and partnerships.

I first met Tim a few years ago when he was speaking on a panel at a London-based event. He spoke so articulately about the opportunities to do better, that I knew I needed to hear more from him. Despite living on opposite sides of the Atlantic we seem to bump into each other at industry conferences or roundtables a couple of times a year, and I’m a keen subscriber to the Commonwealth newsletter. (Sign up here: https://buildcommonwealth.org/newsletter-signup)

Some of the pioneering initiatives we discussed on the show include:

• Investor Identity toolkit: https://buildcommonwealth.org/research/unlocking-investor-identity-toolkit/ 
• Emergency Savings programme: https://buildcommonwealth.org/our-work/emergency-savings/ 
• Benefits for the Future: https://buildcommonwealth.org/research/benefits-for-the-future-partners/ 

No matter your role, I encourage you to get in touch with Commonwealth to see how their toolkits can help you to amplify your impact.

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