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		<loc>https://buildcommonwealth.org/our-work/beyond-financial-factors/</loc>
		<lastmod>2024-01-18</lastmod>
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		<loc>https://buildcommonwealth.org/our-work/financial-ai/</loc>
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		<lastmod>2022-09-21</lastmod>
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		<loc>https://buildcommonwealth.org/our-work/</loc>
		<lastmod>2022-04-01</lastmod>
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		<loc>https://buildcommonwealth.org/our-work/inclusive-investing/</loc>
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		<loc>https://buildcommonwealth.org/partner-with-us/policymakers/</loc>
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		<loc>https://buildcommonwealth.org/our-work/savable-funds/</loc>
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		<loc>https://buildcommonwealth.org/our-work/role-of-business-leaders/</loc>
		<lastmod>2025-10-15</lastmod>
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		<loc>https://buildcommonwealth.org/our-work/emergency-savings/</loc>
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		<loc>https://buildcommonwealth.org/partner-with-us/</loc>
		<lastmod>2025-01-31</lastmod>
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		<loc>https://buildcommonwealth.org/partner-with-us/employers/</loc>
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		<loc>https://buildcommonwealth.org/partner-with-us/funders/</loc>
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		<loc>https://buildcommonwealth.org/partner-with-us/financial-services/</loc>
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		<loc>https://buildcommonwealth.org/partner-with-us/fintechs/</loc>
		<lastmod>2024-03-05</lastmod>
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		<loc>https://buildcommonwealth.org/partner-with-us/workplace/</loc>
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		<loc>https://buildcommonwealth.org/events/</loc>
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		<loc>https://buildcommonwealth.org/news/</loc>
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		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-effort-to-optimize-530a-trump-account-enrollment-among-low-to-moderate-income-households/</loc>
		<lastmod>2026-04-02</lastmod>
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		<loc>https://buildcommonwealth.org/blog/starbucks-joins-blackrocks-emergency-savings-initiative-to-further-support-employees-financial-wellness/</loc>
		<lastmod>2026-03-13</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/behavioral-science-financial-health-and-better-fintech-products/</loc>
		<lastmod>2026-03-13</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/plansponsor-national-conference-2/</loc>
		<lastmod>2026-03-11</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/financial-health-networks-emerge/</loc>
		<lastmod>2026-03-09</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/20780/</loc>
		<lastmod>2026-03-20</lastmod>
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		<loc>https://buildcommonwealth.org/blog/chart/530a-account-1000-with-no-additional-contributions/</loc>
		<lastmod>2026-03-09</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/its-not-just-wealthy-americans-who-are-investing-new-research-shows/</loc>
		<lastmod>2026-03-13</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/more-low-and-middle-income-americans-are-investing-report-finds-heres-why/</loc>
		<lastmod>2026-03-13</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/new-report-from-the-blackrock-foundation-and-commonwealth-confirms-surging-investor-participation-among-millions-of-americans-living-on-low-and-moderate-incomes/</loc>
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		<loc>https://buildcommonwealth.org/news-item/how-advisors-should-guide-clients-who-become-unexpected-caregivers/</loc>
		<lastmod>2026-02-20</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/cali-apodaca/</loc>
		<lastmod>2026-03-12</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/jay-torres-almodovar/</loc>
		<lastmod>2026-03-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/kassidy-cornelison/</loc>
		<lastmod>2026-03-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/dana-davenport/</loc>
		<lastmod>2026-03-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/ariela-knight/</loc>
		<lastmod>2026-03-12</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/amelia-simons/</loc>
		<lastmod>2026-03-25</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/yasmin-abdella/</loc>
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		<loc>https://buildcommonwealth.org/about/team/mckenzie-pickett/</loc>
		<lastmod>2026-03-25</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/meme-cisse/</loc>
		<lastmod>2026-03-23</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/paz-baum/</loc>
		<lastmod>2026-03-25</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/tracey-durner/</loc>
		<lastmod>2026-03-25</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/stephanie-epps/</loc>
		<lastmod>2026-02-12</lastmod>
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		<loc>https://buildcommonwealth.org/event/defined-contribution-east/</loc>
		<lastmod>2026-02-04</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/lilicia-bailey/</loc>
		<lastmod>2026-01-27</lastmod>
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		<loc>https://buildcommonwealth.org/about/team/brian-dixon/</loc>
		<lastmod>2026-01-27</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/three-key-focus-areas-for-smarter-2027-health-benefits-planning/</loc>
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		<loc>https://buildcommonwealth.org/blog/25-years-in-and-looking-ahead/</loc>
		<lastmod>2026-01-21</lastmod>
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		<lastmod>2026-01-16</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/5-potential-workplace-benefits-that-can-strengthen-employees-financial-health-productivity/</loc>
		<lastmod>2026-01-16</lastmod>
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		<lastmod>2026-01-16</lastmod>
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		<loc>https://buildcommonwealth.org/blog/key-takeaways-from-our-benefits-for-the-future-webinar/</loc>
		<lastmod>2026-03-18</lastmod>
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		<loc>https://buildcommonwealth.org/blog/the-overlooked-link-between-student-loan-repayment-and-retirement-readiness/</loc>
		<lastmod>2026-03-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/rethinking-wealth-a-new-blueprint-for-the-working-majority/</loc>
		<lastmod>2026-01-16</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/nvidia-isnt-the-only-stock-to-watch-why-experts-say-you-should-consider-buying-others-just-like-it/</loc>
		<lastmod>2025-12-03</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/2025-financial-wellbeing-symposium/</loc>
		<lastmod>2025-11-19</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/is-it-risky-buying-single-stocks-follow-these-rules/</loc>
		<lastmod>2025-12-03</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/harnessing-ai-for-consumer-trust-in-financial-services/</loc>
		<lastmod>2025-12-03</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/most-low-and-middle-income-americans-now-own-stocks-heres-why/</loc>
		<lastmod>2025-12-03</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/the-surprising-way-to-get-help-building-an-emergency-fund/</loc>
		<lastmod>2025-11-20</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/research-reveals-access-to-esas-does-not-match-interest/</loc>
		<lastmod>2025-11-20</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/department-of-education-sued-by-states-for-loan-eligibility-rule/</loc>
		<lastmod>2025-11-20</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/consumer-sentiment-is-sinking-across-the-board-except-for-americans-with-the-most-stocks/</loc>
		<lastmod>2025-12-03</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/new-commonwealth-research-explores-intersection-of-consumer-trust-financial-services-and-conversational-ai/</loc>
		<lastmod>2025-11-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/its-getting-harder-to-separate-the-stock-market-from-the-economy-that-means-the-fed-and-congress-have-more-incentive-to-help-wall-street/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/workspan-daily-news-bytes-for-oct-31-2025/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/blog/supporting-employees-with-student-debt/</loc>
		<lastmod>2025-10-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/what-the-skills-for-the-future-are/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/more-low-income-americans-than-ever-are-investing-in-the-stock-market-blackrock-foundation-and-commonwealth-survey-says/</loc>
		<lastmod>2025-11-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/finreglab-symposium/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/yongqis-daily-balances/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/jennifers-daily-balances/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/the-hottest-stocks-now-are-unprofitable-companies/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/profile/yongqi/</loc>
		<lastmod>2025-10-23</lastmod>
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		<loc>https://buildcommonwealth.org/profile/jennifer/</loc>
		<lastmod>2025-10-22</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/most-low-and-moderate-income-us-traders-now-invest-in-capital-markets-research/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/commonwealth-survey-highlights-savings-as-financial-priority-for-workers/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/event/good-for-business/</loc>
		<lastmod>2026-02-17</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/more-working-class-americans-investing-in-the-stock-market-survey-finds/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/building-savings-is-the-top-financial-priority-for-workers-earning-low-to-moderate-incomes/</loc>
		<lastmod>2025-11-03</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/animal-spirits-did-the-market-just-top/</loc>
		<lastmod>2025-11-12</lastmod>
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		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/most-lower-income-americans-now-investing-in-capital-markets-study-reveals/</loc>
		<lastmod>2025-11-12</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/the-blackrock-foundation-and-commonwealth-research-reveals-majority-of-low-and-moderate-income-americans-now-invest-in-capital-markets/</loc>
		<lastmod>2026-03-02</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/more-working-class-americans-than-ever-are-investing-in-the-stock-market/</loc>
		<lastmod>2025-10-11</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/employer-sponsored-emergency-savings-accounts-are-becoming-a-hot-perk-heres-how-they-work/</loc>
		<lastmod>2025-09-26</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/working-class-insights-forum/</loc>
		<lastmod>2025-09-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/shrm-elevate-conference/</loc>
		<lastmod>2025-08-18</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/clinton-global-initiative-2025-annual-meeting/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/webinar-emergency-savings-at-work-how-employers-are-tackling-americas-financial-safety/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/debt-weighs-heavy-on-plan-sponsors-employees/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/episode-52-supporting-financial-wellness-through-emergency-funds/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/why-more-americans-are-raiding-their-retirement-savings-for-emergencies/</loc>
		<lastmod>2025-07-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/americans-see-their-401ks-not-just-as-nest-eggs-but-as-rainy-day-funds/</loc>
		<lastmod>2025-07-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/designing-financial-solutions-for-elder-caregivers/</loc>
		<lastmod>2026-03-12</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/what-hr-should-know-about-contributing-to-trump-accounts-on-behalf-of-workers-kids/</loc>
		<lastmod>2025-07-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/prosperity-summit/</loc>
		<lastmod>2025-07-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/finovate-fall/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/boston-fintech-week-4/</loc>
		<lastmod>2025-07-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/breaking-the-savings-paradox/</loc>
		<lastmod>2025-12-02</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/julie-jason-college-students-dont-wait-until-graduation-to-start-investing/</loc>
		<lastmod>2025-07-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/hrs-next-key-opportunity-help-improve-frontline-workers-financial-health/</loc>
		<lastmod>2025-09-26</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/promoting-financial-wellness-through-529-workplace-benefits/</loc>
		<lastmod>2025-10-16</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/advancing-climate-resilience-and-economic-security-in-the-current-context/</loc>
		<lastmod>2025-06-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/especially-now-building-financial-security-for-the-future-a-conversation-with-tim-flacke-ceo-of-commonwealth/</loc>
		<lastmod>2025-06-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/rethinking-retirement/</loc>
		<lastmod>2025-06-03</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/rethinking-retirement/</loc>
		<lastmod>2025-05-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-4-1-1k-a-secure-2-0-provisions-grand-impact-on-emergency-and-retirement-savings/</loc>
		<lastmod>2025-09-23</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/fintech-live-new-york-qa-paula-grieco-commonwealth/</loc>
		<lastmod>2025-05-19</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/financial-institutions-banks-and-financial-services-firms-role-in-addressing-weather-impacts-on-worker-financial-security/</loc>
		<lastmod>2025-06-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/the-delicate-balance-of-integrating-financial-and-mental-employee-wellness/</loc>
		<lastmod>2025-05-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/jpmorgan-chase-pioneers-financial-health-revolution-with-2025-innovations/</loc>
		<lastmod>2025-05-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/sustainability-live-qa-timothy-flacke-commonwealth/</loc>
		<lastmod>2025-05-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/jpmorgan-chase-hopes-more-employers-offer-financial-health-benefits-thanks-to-14-5m-commitment/</loc>
		<lastmod>2025-05-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ai-trust-and-the-underserved-interview-with-paula-grieco-svp-at-commonwealth/</loc>
		<lastmod>2025-04-23</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/tax-time-is-the-perfect-time-to-increase-the-financial-well-being-of-your-employees/</loc>
		<lastmod>2025-10-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/plan-sponsor-council-of-america-national-conference/</loc>
		<lastmod>2025-03-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/wellbeing-at-work-summit/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/plansponsor-national-conference/</loc>
		<lastmod>2025-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/emerge-a-forum-for-financial-health/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/iscebs-employee-symposium/</loc>
		<lastmod>2025-06-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/finovate-spring/</loc>
		<lastmod>2025-03-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/a-new-era-of-financial-inclusion-harnessing-ai-to-empower-lmi-households-ftw-sunday-editorial/</loc>
		<lastmod>2025-03-25</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/profile/christian/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/profile/ariana/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/profile/austin/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/profile/amelia/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/profile/marquita/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/19362/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/19352/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/christians-daily-balances/</loc>
		<lastmod>2025-10-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/alana-baray-director/</loc>
		<lastmod>2026-03-23</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/fintech-live-new-york/</loc>
		<lastmod>2025-02-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/sustainability-live-chicago/</loc>
		<lastmod>2025-02-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/monday-matters-podcast-how-even-5-can-change-your-financial-future/</loc>
		<lastmod>2025-02-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/4-child-tax-credit-mistakes-that-can-delay-your-refund/</loc>
		<lastmod>2025-02-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/chart/18577/</loc>
		<lastmod>2025-02-19</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/expand-529-offerings-employers-can-lead-the-way-by-boosting-education-savings-through-workplace-outreach/</loc>
		<lastmod>2025-08-08</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/how-to-make-your-tax-refund-stretch-throughout-the-entire-year-and-beyond/</loc>
		<lastmod>2025-02-10</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/5-common-investing-myths-debunked-why-you-dont-need-thousands-to-own-stocks/</loc>
		<lastmod>2025-02-07</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/daily-balances/</loc>
		<lastmod>2025-03-11</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/how-to-expand-beyond-traditional-financial-benefits/</loc>
		<lastmod>2025-03-25</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/marquetta-daily-balances/</loc>
		<lastmod>2025-10-22</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/the-fintech-5-2-with-paula-grieco-svp-at-commonwealth/</loc>
		<lastmod>2025-01-31</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/what-matters-most/</loc>
		<lastmod>2026-01-21</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/lincoln-healthcare-leadership-home-care-100/</loc>
		<lastmod>2025-02-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employers-can-improve-financial-security-by-offering-emergency-savings/</loc>
		<lastmod>2025-01-17</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/employers-can-improve-financial-security-by-offering-emergency-savings/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/exploring-insights-on-first-time-investors-in-capital-markets/</loc>
		<lastmod>2025-01-24</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/the-blackrock-foundation-and-commonwealth-launch-national-research-effort-to-understand-first-time-investors-who-entered-capital-markets-since-2020-2/</loc>
		<lastmod>2025-01-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-blackrock-foundation-and-commonwealth-launch-national-research-effort-to-understand-first-time-investors-who-entered-capital-markets-since-2020/</loc>
		<lastmod>2025-10-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plesas-what-advisors-and-clients-need-to-know/</loc>
		<lastmod>2025-01-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/banking-and-payments-experts-share-sector-forecasts-for-2025/</loc>
		<lastmod>2025-01-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/bridging-the-gap-expanding-workplace-emergency-savings-access-for-low-to-moderate-income-workers/</loc>
		<lastmod>2025-01-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/chart/sample-column-chart/</loc>
		<lastmod>2024-12-05</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/chart/sample-donut-chart/</loc>
		<lastmod>2024-12-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/chart/time-series-line-chart/</loc>
		<lastmod>2024-12-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/workplace-benefits-employers-role-in-mitigating-the-financial-impacts-of-climate-change-on-worker-financial-security/</loc>
		<lastmod>2025-06-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/securesave-pioneering-a-new-eraof-emergency-savings-solutions/</loc>
		<lastmod>2024-12-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/millions-of-children-have-unclaimed-college-savings-money/</loc>
		<lastmod>2024-11-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/beyond-email/</loc>
		<lastmod>2025-12-02</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/more-employer-benefits-supporting-workers-with-student-loans-could-ease-stress/</loc>
		<lastmod>2024-11-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-finds-barriers-hinder-student-investors/</loc>
		<lastmod>2024-11-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-new-college-investor/</loc>
		<lastmod>2025-01-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/workhuman-live/</loc>
		<lastmod>2025-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-security-first/</loc>
		<lastmod>2024-11-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/financial-security-first-the-case-for-plan-advisers-to-integrate-secure-2-0-emergency-savings-solutions/</loc>
		<lastmod>2024-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-states-are-enticing-employers-to-help-their-workers-save-for-college/</loc>
		<lastmod>2024-10-09</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/blog/building-commonwealths-chatgpt-powered-chatbot-learnings-for-generative-ai-chatbot-initiatives/</loc>
		<lastmod>2024-09-26</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-makes-commitment-to-improve-financial-health-of-2-5-million-u-s-workers-with-clinton-global-initiative/</loc>
		<lastmod>2025-02-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/spotlighting-womens-retirement-security/</loc>
		<lastmod>2024-10-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/eric-2024-virtual-fall-policy-conference-hub/</loc>
		<lastmod>2024-09-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/conscious-capitalism-2024-ceo-summit/</loc>
		<lastmod>2024-09-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/boston-fintech-week-3/</loc>
		<lastmod>2024-09-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/aarp-u-s-chamber-of-commerce-securing-retirement-for-the-middle-class-innovations-in-retirement-plan-design/</loc>
		<lastmod>2024-09-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/clinton-global-initiative-2024-annual-meeting/</loc>
		<lastmod>2024-09-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/powering-workplace-emergency-savings-with-portage-bank/</loc>
		<lastmod>2024-12-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/tackling-the-financial-impact-of-climate-change-on-workers/</loc>
		<lastmod>2025-06-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/finovatefall/</loc>
		<lastmod>2024-09-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealths-bold-vision/</loc>
		<lastmod>2026-01-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-secures-7m-funding-from-jpmorgan-for-low-income-initiative/</loc>
		<lastmod>2024-08-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/bringing-new-investors-to-market-offers-huge-benefits-says-nasdaq-foundation-president/</loc>
		<lastmod>2024-09-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-gets-7m-jpmorgan-funding-for-low-income-worker-program/</loc>
		<lastmod>2024-08-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-financial-well-being-program-with-7m-from-jpmorgan/</loc>
		<lastmod>2024-08-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/workplace-emergency-savings-policy-where-we-are-and-what-comes-next/</loc>
		<lastmod>2024-09-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-aims-to-strengthen-the-financial-security-of-workers-across-the-country-through-new-innovative-workplace-benefits-programs/</loc>
		<lastmod>2024-08-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/benefits-for-the-future-reimagining-workplace-benefits/</loc>
		<lastmod>2025-10-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/emergency-savings-policy/</loc>
		<lastmod>2024-09-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/investor-diaries-research-participant-hub/</loc>
		<lastmod>2024-10-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/whats-up-in-tech/</loc>
		<lastmod>2024-08-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/climate-protection-could-soon-be-part-of-your-employee-benefits-package/</loc>
		<lastmod>2024-08-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/tricia-washington/</loc>
		<lastmod>2026-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/kia-mccallister-young/</loc>
		<lastmod>2026-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/should-you-draw-1k-from-your-retirement-account/</loc>
		<lastmod>2024-08-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/tech-tuesday-cultivating-investor-identity/</loc>
		<lastmod>2024-07-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-why-how-and-roi-of-offering-student-debt-benefits-to-your-employees/</loc>
		<lastmod>2025-05-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/money-rehab-podcast/</loc>
		<lastmod>2024-07-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/cade/</loc>
		<lastmod>2024-07-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-gen-z-and-millennials-are-optimistic-about-their-financial-futures/</loc>
		<lastmod>2025-01-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/inclusive-investing-partner-spotlight-ellevest/</loc>
		<lastmod>2024-06-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/inclusive-investing-partner-spotlight-stash/</loc>
		<lastmod>2024-06-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/inclusive-investing-partner-spotlight-public/</loc>
		<lastmod>2024-06-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/national-research-provides-inclusive-investing-action-plan/</loc>
		<lastmod>2024-06-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-investors-advance-in-stages-financial-columnist-julie-jason-says-there-may-be-up-to-six/</loc>
		<lastmod>2024-08-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-report-shows-how-ai-can-improve-lives-of-less-wealthy/</loc>
		<lastmod>2024-07-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-banks-can-measure-and-support-customer-financial-health-outcomes/</loc>
		<lastmod>2025-01-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/financial-health-networks-emerge-conference/</loc>
		<lastmod>2024-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ai-finance/</loc>
		<lastmod>2024-06-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-shares-key-insights-opportunities-on-transformational-potential-of-ai-in-financial-services-for-americans-earning-low-to-moderate-incomes/</loc>
		<lastmod>2024-06-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/fintech-friday-will-a-chatbot-run-your-onsite-meeting/</loc>
		<lastmod>2024-06-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/rename-your-emergency-fund-if-that-suits-your-saving-style/</loc>
		<lastmod>2024-05-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/saving-for-college-and-emergencies-pilot-program-shows-its-possible/</loc>
		<lastmod>2024-06-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-account-workers-prefer-the-new-401k-linked-option-in-secure-2-0/</loc>
		<lastmod>2024-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/meeting-the-needs-of-a-diverse-workforce/</loc>
		<lastmod>2024-05-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/one-way-to-help-employees-build-emergency-savings/</loc>
		<lastmod>2024-06-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/chatbot-or-human-research-shows-preference-is-based-on-task/</loc>
		<lastmod>2024-05-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/chatbots-can-be-a-tool-for-improving-financial-well/</loc>
		<lastmod>2024-05-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/secure-2-0-act-provisions-would-offer-workers-easier-access-to-emergency-savings/</loc>
		<lastmod>2024-05-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/rethinking-tax-incentives-as-pathways-to-workplace-emergency-savings/</loc>
		<lastmod>2024-04-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/future-digital-finance-2024/</loc>
		<lastmod>2024-04-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-thoughtful-approaches-to-ai-can-lead-to-financial-empowerment-for-all/</loc>
		<lastmod>2024-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-thoughtful-approaches-to-ai-can-lead-to-financial-empowerment-for-all-2/</loc>
		<lastmod>2024-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/lower-paid-workers-want-emergency-savings-options/</loc>
		<lastmod>2024-04-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/participants-prefer-secure-2-0-plesa-benefit-over-withdrawal-feature/</loc>
		<lastmod>2024-04-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/two-hr-takeaways-from-larry-finks-letter-on-the-retirement-crisis/</loc>
		<lastmod>2024-04-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-new-barometer-of-americans-financial-health-75000/</loc>
		<lastmod>2024-05-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-emerging-tech-ideas-podcast-episode-3/</loc>
		<lastmod>2024-04-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/gabrielle-barnes/</loc>
		<lastmod>2026-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/white-house-day-of-action-on-student-loans/</loc>
		<lastmod>2024-11-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/conversational-ai-power-partners-how-partnerships-lead-to-equitable-product-design/</loc>
		<lastmod>2024-10-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-emerging-tech-ideas-podcast-episode-2/</loc>
		<lastmod>2024-09-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-emerging-tech-ideas-podcast-building-at-scale-while-innovating-and-experimenting-episode-1/</loc>
		<lastmod>2024-03-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-report-financial-service-providers-have-opportunity-to-use-emerging-tech-ai-to-personalize-support-for-people-earning-low-and-moderate-incomes/</loc>
		<lastmod>2024-05-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/putting-people-earning-lmi-at-the-center-of-financial-services-with-generative-ai-emerging-technologies/</loc>
		<lastmod>2024-05-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employee-financial-stress-peaks/</loc>
		<lastmod>2024-04-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealths-college-investor-project-explores-early-investing-as-a-wealth-building-strategy-for-students-from-lower-incomes/</loc>
		<lastmod>2024-08-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employers-explore-emergency-savings-benefits-as-workers-struggle-to-stay-afloat/</loc>
		<lastmod>2024-02-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/as-climate-change-impacts-workers-employers-have-an-opportunity-to-act/</loc>
		<lastmod>2024-01-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-welcomes-michelle-carter-and-brenda-velazquez-as-senior-vice-presidents/</loc>
		<lastmod>2024-02-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/better-emergency-savings-tools-for-better-financial-health/</loc>
		<lastmod>2024-02-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/at-a-tipping-point-the-workplace-emergency-savings-landscape-as-secure-2-0-implementation-begins-in-2024/</loc>
		<lastmod>2024-04-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hr-work-break-financial-wellness-in-2024/</loc>
		<lastmod>2024-05-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-key-role-that-student-debt-plays-in-employee-financial-well-being-and-next-steps-for-employers/</loc>
		<lastmod>2024-02-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/7-trends-to-watch-in-benefits-and-compensation-in-2024/</loc>
		<lastmod>2024-02-02</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/2024-employee-benefits-workplace-predictions-financial-wellness/</loc>
		<lastmod>2024-04-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plan-sponsors-may-offer-emergency-savings-accounts-to-employees-starting-this-year/</loc>
		<lastmod>2024-12-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/401k-loans-debunking-the-myths/</loc>
		<lastmod>2023-12-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/views-blackrocks-savings-plan-helps-workers-navigate-financial-crisis/</loc>
		<lastmod>2023-12-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-report-sheds-light-on-investor-spike-during-the-pandemic/</loc>
		<lastmod>2023-12-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/banks-can-increase-how-much-their-customers-save-heres-how/</loc>
		<lastmod>2023-12-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/brenda-velazquez/</loc>
		<lastmod>2026-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/whats-next/</loc>
		<lastmod>2024-04-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/low-to-moderate-income-workers-face-brunt-of-climate-change-effects/</loc>
		<lastmod>2024-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/workers-everyday-finances-are-being-impacted-by-climate-change/</loc>
		<lastmod>2023-11-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/the-power-of-emergency-savings/</loc>
		<lastmod>2024-12-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-does-the-student-debt-of-their-workforce-matter-to-employers/</loc>
		<lastmod>2023-10-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/american-consumers-are-still-on-a-spending-spree-but-that-doesnt-mean-theyre-financially-healthy/</loc>
		<lastmod>2023-10-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/signature-initiatives-are-back-now-manage-your-appetite/</loc>
		<lastmod>2023-10-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/3-key-takeaways-from-feeling-the-heat-climate-changes-impact-on-worker-financial-security-webinar/</loc>
		<lastmod>2024-04-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/inclusive-investing-early-research-insights/</loc>
		<lastmod>2023-10-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/two-benefits-hr-can-consider-to-support-employees-with-student-debt/</loc>
		<lastmod>2023-10-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/someday-your-boss-could-help-you-save-for-emergencies/</loc>
		<lastmod>2023-10-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/whole-foods-plans-benefit-to-plug-workers-savings-gaps/</loc>
		<lastmod>2023-10-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-study-climate-change-is-having-a-profound-financial-impact-on-workers-earning-low-and-moderate-incomes/</loc>
		<lastmod>2024-10-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blackrock-commonwealth-finance-and-philanthropy-revolutionize-savings/</loc>
		<lastmod>2023-11-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/sign-up-for-more-climate-information/</loc>
		<lastmod>2023-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/feeling-the-heat-climate-changes-impact-on-worker-financial-security/</loc>
		<lastmod>2023-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/ashley-ann-wolfe/</loc>
		<lastmod>2026-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/feeling-the-heat-climate-changes-impact-on-worker-financial-security/</loc>
		<lastmod>2023-10-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/understanding-the-investing-experience-of-black-latinx-women-earning-low-and-moderate-income/</loc>
		<lastmod>2023-09-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/boston-fintech-week-2/</loc>
		<lastmod>2024-03-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/michelle-carter/</loc>
		<lastmod>2026-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/common-cents-conference/</loc>
		<lastmod>2023-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/3-takeaways-from-how-inclusive-product-design-changed-emergency-savings-hosted-in-partnership-with-fintech-sandbox/</loc>
		<lastmod>2023-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/63-of-workers-unable-to-pay-a-500-emergency-expense-survey-finds-how-employers-may-help-change-that/</loc>
		<lastmod>2023-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/workplace-banking-can-boost-financial-wellness-for-low-income-employees-study-finds/</loc>
		<lastmod>2023-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-inclusive-product-design-changed-emergency-savings/</loc>
		<lastmod>2023-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-inclusive-product-design-changed-emergency-savings/</loc>
		<lastmod>2023-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/deltas-emergency-savings-program-shows-retirement-security-dividends/</loc>
		<lastmod>2023-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/blackrocks-emergency-savings-initiative-impact-report-announced-at-2023-social-innovation-summit/</loc>
		<lastmod>2023-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-emergency-savings-can-help-workers-avoid-401k-hardship-withdrawals/</loc>
		<lastmod>2023-08-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/preparing-for-the-future-why-your-employees-need-both-401k-accounts-and-emergency-savings/</loc>
		<lastmod>2023-08-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/provider-interviews-indicate-opportunity-to-build-products-aimed-at-people-earning-low-and-moderate-income/</loc>
		<lastmod>2023-08-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/investors-living-on-low-to-moderate-incomes-face-a-fractured-landscape-when-it-comes-to-investing/</loc>
		<lastmod>2023-08-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/investor-identity-research-project-gains-momentum-with-stash-as-new-partner/</loc>
		<lastmod>2023-07-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/investor-identity-research-project-gains-momentum-with-stash-as-new-partner/</loc>
		<lastmod>2023-07-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-sandbox-how-inclusive-product-design-changed-emergency-savings/</loc>
		<lastmod>2023-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-evolving-role-of-workplace-emergency-savings/</loc>
		<lastmod>2023-07-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/companies-are-now-offering-this-perk-to-get-their-employees-to-save/</loc>
		<lastmod>2023-07-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/lizelle-rumao/</loc>
		<lastmod>2026-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/social-innovation-summit-jumpstarts-industry-defining-partnerships-in-los-angeles/</loc>
		<lastmod>2023-07-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-serve-as-buffer-to-protect-retirement-assets/</loc>
		<lastmod>2023-06-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-emergency-savings-serves-low-income-households/</loc>
		<lastmod>2023-06-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/five-fun-ways-gamification-can-help-you-save-more/</loc>
		<lastmod>2023-07-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/worker-emergency-savings-initiative-reaches-more-than-2-billion-in-net-new-savings/</loc>
		<lastmod>2023-06-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blackrock-helps-build-over-2-billion-in-savings-for-everyday-americans-through-philanthropic-emergency-savings-initiative/</loc>
		<lastmod>2023-06-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-landmark-report-highlights-the-impact-of-blackrocks-emergency-savings-initiative/</loc>
		<lastmod>2023-06-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-and-retirement-planning-tightly-linked/</loc>
		<lastmod>2023-06-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/truist-plays-long-game-with-gamified-mobile-app-to-boost-deposits/</loc>
		<lastmod>2023-06-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/commonwealth-investing-research-participant-hub/</loc>
		<lastmod>2024-08-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/save-for-retirement-or-build-up-emergency-funds-helping-employees-do-both/</loc>
		<lastmod>2023-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/social-innovation-summit/</loc>
		<lastmod>2023-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/saving-with-the-help-of-behavioral-science/</loc>
		<lastmod>2023-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/3-key-webinar-takeaways-how-secure-2-0-could-impact-workplace-emergency-savings-and-inclusive-financial-wellness/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-employers-can-help-gig-workers-during-tough-times/</loc>
		<lastmod>2023-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/truist-launches-its-standalone-gamified-finance-app/</loc>
		<lastmod>2023-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-secure-2-0-could-impact-workplace-emergency-savings-and-inclusive-financial-wellness/</loc>
		<lastmod>2023-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-a-gateway-drug-to-better-retirement-savings/</loc>
		<lastmod>2023-05-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/expanding-the-adviser-remit/</loc>
		<lastmod>2023-05-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-secure-2-0-could-impact-workplace-emergency-savings-and-inclusive-financial-wellness/</loc>
		<lastmod>2023-05-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/__trashed/</loc>
		<lastmod>2023-04-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-a-key-addition-to-a-company-retirement-plan/</loc>
		<lastmod>2023-03-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ellevest-and-public-join-investor-identity-research-project-to-help-close-the-racial-and-gender-wealth-gap-through-investing/</loc>
		<lastmod>2023-03-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/ellevest-and-public-join-investor-identity-research-project-to-help-close-the-racial-and-gender-wealth-gap-through-investing/</loc>
		<lastmod>2023-07-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/world-business-research-cxfs-conference/</loc>
		<lastmod>2023-05-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/raise-texas-summit-2023/</loc>
		<lastmod>2023-03-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/iscebs-employee-benefits-symposium/</loc>
		<lastmod>2024-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/financial-wellness-in-the-workplace/</loc>
		<lastmod>2023-02-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2023-plansponsor-national-conference/</loc>
		<lastmod>2023-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/finovate-spring-2023/</loc>
		<lastmod>2023-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-nexus-2023/</loc>
		<lastmod>2023-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/hre-health-benfits-leadership-conference-2023/</loc>
		<lastmod>2023-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/inclusiv-conference/</loc>
		<lastmod>2025-01-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-fdic-is-asking-the-wrong-questions-about-the-unbanked/</loc>
		<lastmod>2023-02-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/a-look-at-secure-2-0s-emergency-savings-provisions/</loc>
		<lastmod>2023-02-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-chase-renew-research-on-tech-or-low-income-americans/</loc>
		<lastmod>2023-01-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/delta-pilots-emergency-savings-program/</loc>
		<lastmod>2023-01-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-collaborates-with-jpmorgan-chase-to-examine-the-effect-of-emerging-technology-on-financially-vulnerable-americans/</loc>
		<lastmod>2023-01-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hardship-withdrawals-are-threatening-retirement-security/</loc>
		<lastmod>2023-01-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/debra-plousha-moore/</loc>
		<lastmod>2025-07-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/statement-from-timothy-flacke-on-the-passage-of-the-secure-2-0-act-and-its-associated-emergency-savings-provisions/</loc>
		<lastmod>2023-01-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-law-links-your-student-loans-with-retirement-savings/</loc>
		<lastmod>2023-01-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-secure-2-0-validates-emergency-savings-initiatives/</loc>
		<lastmod>2023-01-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-proposals-in-secure-2-0-may-help-shore-up-short-and-long-term-financial-security-experts-say/</loc>
		<lastmod>2023-01-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/to-achieve-financial-security-gig-workers-need-more-solutions-and-support/</loc>
		<lastmod>2022-12-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-payroll-providers-can-advance-worker-emergency-savings-3-key-takeaways/</loc>
		<lastmod>2023-01-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/inclusive-and-human-centered-design-unlocks-greater-financial-security/</loc>
		<lastmod>2022-12-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/emily-bergman/</loc>
		<lastmod>2026-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/metlife-publications/</loc>
		<lastmod>2024-12-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blackrock-adp-and-commonwealth-partnership-boosted-workers-emergency-savings-by-over-1b/</loc>
		<lastmod>2022-12-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-payroll-providers-can-advance-worker-emergency-savings-new-webinar-on-december-8-2022/</loc>
		<lastmod>2023-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/welcome-to-ftt-embedded-finance-super-apps-narrowing-the-protection-gap/</loc>
		<lastmod>2022-11-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/welcome-to-ftt-embedded-finance-super-apps-financial-services-for-the-masses/</loc>
		<lastmod>2022-11-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-study-reveals-gig-workers-need-unique-benefits-to-reduce-financial-challenges/</loc>
		<lastmod>2023-03-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-payroll-providers-can-advance-worker-emergency-savings/</loc>
		<lastmod>2022-11-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/industry-to-congress-pass-secure-2-0-already/</loc>
		<lastmod>2022-11-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/robin-flaharty/</loc>
		<lastmod>2026-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/democratizing-wealth-building-to-help-close-the-racial-and-gender-gap/</loc>
		<lastmod>2022-11-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/wellie-forum/</loc>
		<lastmod>2022-11-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/student-loan-relief-plan-offers-pivotal-opportunity-to-advance-worker-financial-security/</loc>
		<lastmod>2022-11-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/dei-and-access-summit-2022/</loc>
		<lastmod>2022-10-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/financial-security-a-critical-component-of-employee-wellbeing/</loc>
		<lastmod>2022-10-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/we-can-advance-economic-equity-through-automatic-enrollment-for-emergency-savings/</loc>
		<lastmod>2022-10-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/more-companies-offer-emergency-savings-options-to-workers/</loc>
		<lastmod>2022-10-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/4-ways-fintech-can-build-more-inclusive-tools-for-advisors-and-why-its-good-for-business/</loc>
		<lastmod>2022-10-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/boosting-savings-with-payments/</loc>
		<lastmod>2022-10-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-investor-identity-research-project-with-support-from-the-nasdaq-foundation/</loc>
		<lastmod>2023-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-investor-identity-research-project-with-support-from-the-nasdaq-foundation-1/</loc>
		<lastmod>2022-09-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/empowering-a-new-investor-identity-closing-the-racial-wealth-gap-while-bringing-trillions-to-the-markets/</loc>
		<lastmod>2022-10-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-digital-platforms-can-be-more-accessible-to-minority-investors/</loc>
		<lastmod>2022-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-public-com-partnership-reveals-the-impact-of-inclusive-design/</loc>
		<lastmod>2022-09-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealth-and-public-com-partnership-reveals-the-impact-of-inclusive-design/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/payroll-retirement-and-policy/</loc>
		<lastmod>2024-12-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/boosting-savings-with-payments/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fresh-insights-on-student-debt-and-emergency-savings/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/designing-automated-finance-for-customers-living-on-low-to-moderate-incomes/</loc>
		<lastmod>2023-07-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/boston-fintech-week/</loc>
		<lastmod>2022-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/nasdaq-purpose-week-2022/</loc>
		<lastmod>2022-09-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-features-that-employees-are-looking-for/</loc>
		<lastmod>2022-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/what-employees-prefer-with-an-emergency-saving-solution/</loc>
		<lastmod>2022-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plan-progress-webinar-plan-design-considerations-to-boost-outcomes/</loc>
		<lastmod>2022-08-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-connection-between-emergency-savings-accounts-and-retirement/</loc>
		<lastmod>2022-08-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/david-kibbe/</loc>
		<lastmod>2026-02-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/prosperity-summit-2022-emergency-savings/</loc>
		<lastmod>2022-08-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/rising-adoption-of-contactless-payments-and-digital-wallets/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/prosperity-summit-2022/</loc>
		<lastmod>2022-08-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-plan-sponsor-university/</loc>
		<lastmod>2023-03-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/use-financial-benefits-as-a-strategy-to-boost-business-and-create-stress-free-workers/</loc>
		<lastmod>2022-07-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-preparedness-and-perceptions/</loc>
		<lastmod>2022-07-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-webinar-on-july-28-2022-rising-adoption-of-contactless-payments-digital-wallets-how-to-maximize-these-new-opportunities-for-inclusive-finance/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/when-pay-isnt-enough-driving-business-value-through-financial-security/</loc>
		<lastmod>2022-07-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/inclusive-product-design-how-fintech-innovation-increases-access-for-customers/</loc>
		<lastmod>2022-07-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-economist-impact-innovationwork-us-2022/</loc>
		<lastmod>2022-10-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/katia-diaz/</loc>
		<lastmod>2026-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pay-down-your-credit-card-balances-and-other-tips-for-a-slowing-economy/</loc>
		<lastmod>2022-07-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/exploring-shared-ownership-and-blockchain-technology/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/statement-from-commonwealth-on-the-overturning-of-roe-v-wade/</loc>
		<lastmod>2022-06-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/top-news-in-fintech-and-beyond/</loc>
		<lastmod>2022-06-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/inflation-market-volatility-are-hurting-retirement-optimism-what-can-hr-do/</loc>
		<lastmod>2022-06-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealth-saverlife-research-instrumental-in-rise-shine-act/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/rising-adoption-of-contactless-payments-digital-wallets-how-to-maximize-these-new-opportunities-for-inclusive-finance/</loc>
		<lastmod>2022-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2022-kohler-retirement-leadership-institute/</loc>
		<lastmod>2022-06-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-green-finance-podcast-ep-2-the-s-in-esg-and-the-role-of-inclusive-product-design/</loc>
		<lastmod>2022-06-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/fueling-economic-growth-in-black-and-latina-communities-digitalundivideds-mission-to-create-an-inclusive-entrepreneurial-future/</loc>
		<lastmod>2022-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/nast-treasury-management-training-symposium-2022/</loc>
		<lastmod>2022-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/can-emergency-savings-support-the-retirement-system/</loc>
		<lastmod>2022-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/senators-to-propose-retirement-bill-tackling-emergency-savings/</loc>
		<lastmod>2022-06-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/milliman-partners-with-securesave-on-emergency-savings/</loc>
		<lastmod>2022-05-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-research-indicates-digital-wallet-uptake-could-have-a-high-impact-on-financial-security-for-underserved-consumers-2/</loc>
		<lastmod>2022-05-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/lower-income-app-users-seek-savings-options/</loc>
		<lastmod>2022-05-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/dciia-spark-2022-public-policy-forum/</loc>
		<lastmod>2022-05-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-research-indicates-digital-wallet-uptake-could-have-a-high-impact-on-financial-security-for-underserved-consumers/</loc>
		<lastmod>2022-05-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-social-component-of-esg-with-nick-maynard/</loc>
		<lastmod>2022-05-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/prize-linked-savings-proves-to-be-engaging-savings-mechanism-for-underserved-bank-customers/</loc>
		<lastmod>2022-05-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-triple-win-of-inclusive-design-for-fintech/</loc>
		<lastmod>2022-05-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dciia-urging-us-government-to-develop-emergency-savings-plans/</loc>
		<lastmod>2022-05-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-inclusive-product-design-resource-center-for-fintech-and-financial-services-2/</loc>
		<lastmod>2022-04-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/making-wealth-possible-for-all/</loc>
		<lastmod>2022-04-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-inclusive-product-design-resource-center-for-fintech-and-financial-services/</loc>
		<lastmod>2022-05-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/what-might-responsible-bnpl-look-like/</loc>
		<lastmod>2022-04-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/industry-thoughts-on-emergency-savings/</loc>
		<lastmod>2022-05-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-programs-boost-retirement-outcomes/</loc>
		<lastmod>2022-05-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealth-joins-call-for-a-presidential-financial-inclusion-strategy/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/designing-conversational-ai-for-people-living-on-low-to-moderate-incomes/</loc>
		<lastmod>2023-07-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-financial-silver-lining-to-the-pandemic-look-again/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/ebn-workplace-strategies-agenda-2022/</loc>
		<lastmod>2022-07-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/american-banker-digital-banking-conference-2022/</loc>
		<lastmod>2022-06-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/washington-asset-building-coalitions-conference/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/nest-insights-emergency-savings-summit/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/money-mindset-meeting-your-financial-goals/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-sandbox-demo-day/</loc>
		<lastmod>2022-04-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/in-person-hre-health-benefits-leadership-conference-2022-keynote-panel-the-covid-19-benefits-revolution/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/its-time-for-new-financial-security-benefits-that-meet-low-income-workers-needs/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/human-centered-design-how-to-prioritize-equity-and-inclusion-in-the-design-of-financial-products-3-key-takeaways/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dallas-fintech-gig-wage-helps-freelance-and-contract-workers-find-financial-stability/</loc>
		<lastmod>2022-04-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/study-gig-work-platforms-can-create-more-financial-stability-for-workers-with-weekly-stipend/</loc>
		<lastmod>2022-04-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/designing-research-to-maximize-engagement-of-gig-workers/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/12-stories-to-read-ahead-of-the-health-benefits-leadership-conference/</loc>
		<lastmod>2022-04-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/3-ways-to-rethink-financial-product-design-without-leaving-users-out/</loc>
		<lastmod>2022-03-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/uplifting-10000-lives-by-2030-wall-street-bounds-quest-to-enhance-diversity-in-financial-services/</loc>
		<lastmod>2022-03-23</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/joint-principles-for-effective-emergency-savings-policy/</loc>
		<lastmod>2022-04-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/joint-principles-for-effective-emergency-savings-policy/</loc>
		<lastmod>2023-04-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-most-needed-employee-benefit-according-to-financial-guru-suze-orman/</loc>
		<lastmod>2022-03-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-to-boost-financial-security-and-savings-among-low-income-workers/</loc>
		<lastmod>2022-03-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/overview-of-savings-pocket-research-pilot/</loc>
		<lastmod>2023-05-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/from-better-benefits-to-higher-pay-employers-are-upping-the-ante-on-talent/</loc>
		<lastmod>2022-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/5-of-the-biggest-benefits-trends-coming-this-year/</loc>
		<lastmod>2022-02-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/human-centered-design-how-to-prioritize-equity-and-inclusion-in-the-design-of-financial-products/</loc>
		<lastmod>2022-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/emerge-workplace-2022-building-savings-for-frontline-workers/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/debunking-4-emergency-savings-myths-held-by-rpas/</loc>
		<lastmod>2022-02-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/pursuing-mission-alignment-through-innovation-partnership-a-fireside-chat-with-commonwealth/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hres-number-of-the-day-financial-stress/</loc>
		<lastmod>2022-03-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2022-dciia-retirement-research-center-summit/</loc>
		<lastmod>2022-03-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/biggest-financial-health-opportunity-focusing-on-short-term-help/</loc>
		<lastmod>2022-02-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/farm-blitz/</loc>
		<lastmod>2024-12-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/dciaa-innovation-forum/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/breaking-down-barriers-to-investing-for-women-of-color/</loc>
		<lastmod>2023-12-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/whats-next-for-the-s-in-esg-webinar/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/debt-refinancing-increasingly-an-option-for-households-expert-explains/</loc>
		<lastmod>2022-01-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/human-resource-executive-hre-health-benefits-leadership-conference-2022/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/lendit-fintech-2022-usa/</loc>
		<lastmod>2023-11-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/future-digital-finance-2022/</loc>
		<lastmod>2024-10-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/consumer-reports-will-give-financial-apps-same-scrutiny-it-gives-appliances/</loc>
		<lastmod>2022-01-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/fostering-a-landscape-that-enables-financial-security-and-opportunity-for-all/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/truist-announces-purpose-driven-approach-to-checking-account-experience/</loc>
		<lastmod>2023-04-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/emergency-savings-design-challenge-qa-webinar/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/emergency-savings-design-challenge/</loc>
		<lastmod>2024-08-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/whats-next-for-the-s-in-esg-how-investors-can-shape-worker-financial-benefits/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/fas-must-keep-an-open-mind-when-prospecting-people-of-color/</loc>
		<lastmod>2022-01-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/research-conducted-over-last-18-months-highlights-key-role-of-recordkeepers-in-employee-emergency-savings/</loc>
		<lastmod>2023-04-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-atlanta-is-setting-up-savings-accounts-for-kindergartners/</loc>
		<lastmod>2021-12-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-stipend-boosts-volunteering-benefit/</loc>
		<lastmod>2021-11-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/working-americans-are-in-a-savings-crisis-and-employers-can-help/</loc>
		<lastmod>2021-11-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-book-on-the-future-of-building-wealth-features-essay-co-authored-by-timothy-flacke-and-deborah-winshel/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/4-emergency-savings-myths-rpas-need-to-let-go-of-to-build-financial-security-for-all/</loc>
		<lastmod>2024-02-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-benefits-professionals-can-leverage-payroll-tools-to-advance-worker-financial-security/</loc>
		<lastmod>2021-11-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-high-impact-of-emergency-savings/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/retirement-plans-can-advance-race-and-gender-equity/</loc>
		<lastmod>2025-05-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/what-are-the-investing-personas-of-lower-and-moderate-income-black-and-latina-women/</loc>
		<lastmod>2021-11-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/autosave-for-emergencies/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/lessons-from-three-decades-shaping-retirement-policy/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/early-prototype-design-on-financial-security-benefits-for-the-evolving-workforce/</loc>
		<lastmod>2023-01-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/neccsa-october-quarterly-meeting/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/peca-webinar-the-high-impact-of-emergency-savings/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-announces-exciting-website-redesign/</loc>
		<lastmod>2021-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commentary-investors-pivotal-role-in-worker-financial-security/</loc>
		<lastmod>2021-11-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/liquid-savings-and-expanding-access-to-529s-to-close-the-wealth-gap-3-key-takeaways/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/retirement-plans-and-life-insurance-contribute-to-employees-financial-security/</loc>
		<lastmod>2021-10-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/chatbots-offer-advice-without-judgment-low-income-people-are-noticing/</loc>
		<lastmod>2021-10-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/emerging-technology-for-all/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/gig-wage-green-dot-and-commonwealth-announce-a-partnership-to-help-minority-group-gig-workers/</loc>
		<lastmod>2021-09-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/upcoming-2021-bankon-washington-virtual-forum-the-future-of-fintech-research-pitfalls-and-possibilities/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/boston-fintech-week-half-of-what-you-see-and-none-of-what-you-hear-building-trust-digitally/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/crowdfund-insider-conversational-ai-could-make-financial-info-more-accessible-understandable-commonwealth-report-reveals/</loc>
		<lastmod>2021-10-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/upcoming-boston-fintech-week/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/liquid-savings-and-expanding-access-to-529s-to-close-the-wealth-gap/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-momentum-is-building-for-emergency-savings-accounts/</loc>
		<lastmod>2021-09-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/green-dot-invests-in-research-initiative-to-advance-financial-security-and-inclusion-of-gig-workers/</loc>
		<lastmod>2021-09-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-stress-through-a-crisis/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-fintechs-can-help-close-the-investing-gap-webinar-3-key-takeaways/</loc>
		<lastmod>2025-07-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-wall-street-journal-the-new-employer-benefit-matching-emergency-savings/</loc>
		<lastmod>2021-09-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-consumer-financial-protection-bureaus-cfpb-practitioner-panel-on-the-advanced-child-tax-credit/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-nonprofit-times-investing-app-targeted-at-gender-racial-wealth-gap/</loc>
		<lastmod>2021-09-11</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-fintech-tools-must-address-demographic-gaps-in-usage/</loc>
		<lastmod>2021-12-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/investment-news-how-fintechs-are-tackling-racial-and-gender-wealth-gaps/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/payments-dive-new-fintech-tools-must-address-demographic-gaps-in-usage/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/american-banker-what-the-child-tax-credit-a-windfall-for-families-means-for-banks/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/yahoo-finance-investing-app-public-com-nonprofit-commonwealth-launch-partnership-to-help-close-the-racial-gender-wealth-gap-through-investing/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/investing-app-public-com-nonprofit-build-commonwealth-launch-partnership-to-help-close-the-racial-gender-wealth-gap-through-investing/</loc>
		<lastmod>2024-06-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-hill-missing-voices-in-the-child-tax-credit-frenzy-parents/</loc>
		<lastmod>2021-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-fintech-can-help-close-the-investing-gap/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/employee-benefit-news-ebn-workplace-strategies-agenda-2021-employee-financial-security-2021-and-beyond/</loc>
		<lastmod>2023-05-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-future-of-financial-opportunity-exploring-new-channels-for-inclusive-finance/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-south-2021-leveraging-emerging-tech-for-underserved-markets-the-role-of-fintechs-and-financial-institutions/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/aspen-institute-for-children-better-data-equals-better-policy/</loc>
		<lastmod>2021-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/taxtimehub-org/</loc>
		<lastmod>2024-12-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/npr-the-expanded-child-tax-credit-is-here-heres-what-you-need-to-know/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/truist-truist-launches-start-save-win-pilot-program-to-help-clients-build-emergency-savings/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-future-of-financial-opportunity-webinar/</loc>
		<lastmod>2025-01-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-to-design-emergency-saving-solutions-to-increase-sign-up/</loc>
		<lastmod>2025-01-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/benefitspro-how-expanding-the-s-in-esg-helps-workers-employers-and-investors/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/business-wire-anticipating-a-major-opportunity-to-advance-financial-security-commonwealth-scales-tax-credit-access-initiative-for-low-and-moderate-income-families-of-color/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/winston-salem-journal-truist-launches-emergency-savings-initiative/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/anticipating-a-major-opportunity-to-advance-financial-security-commonwealth-scales-tax-credit-access-initiative-for-low-and-moderate-income-families-of-color/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/banking-dive-rethinking-overdraft/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/financial-advisor-investors-benefit-when-workers-succeed/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/silicon-valley-directors-exchange-the-pivotal-role-of-investors-in-worker-financial-security-expanding-esg-analysis-to-include-financial-well-being/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/can-fee-reduction-equal-more-savings/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/wellbeing/</loc>
		<lastmod>2021-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-new-york-times-what-you-need-to-know-about-the-child-tax-credit/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-conference-boards-emotional-well-being-conference/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/equity-investment-and-strategies-to-expand-market-participation/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/yahoo-finance-companies-look-to-expand-access-to-emergency-savings-solutions/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hr-dive-how-employers-can-help-solve-the-savings-crisis/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/american-banker-why-more-banks-are-weaning-themselves-off-overdraft-fees/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pensions-investments-blackrock-savings-initiative-expands-with-5-new-firms/</loc>
		<lastmod>2021-08-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/a-j-d-power-hosted-panel-discussion-consumer-financial-literacy-and-wellness-in-an-unprecedented-year-what-banks-should-know/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/american-banker-truist-varo-join-effort-to-bolster-americans-emergency-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/investment-news-emergency-savings-accounts-draw-attention-of-big-name-employers/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/adp-best-buy-self-truist-and-varo-join-blackrocks-emergency-savings-initiative-2/</loc>
		<lastmod>2022-06-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/cnbc-blackrock-teams-up-with-other-companies-to-find-ways-to-help-americans-build-emergency-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plansponsor-unequal-financial-experiences-highlight-need-for-different-emergency-savings-solutions/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pymnts-blackrock-adds-five-new-companies-to-saving-initiative/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/losing-income-through-a-crisis-mixed-economic-recovery-for-lmi-retirement-plan-participants/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/money-magazine-the-secret-for-saving-more-money-team-up-with-friends-family-or-even-strangers/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2021-just-economy-conference-building-an-inclusive-tax-system-in-a-time-of-crisis/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hr-executive-the-400-problem-improving-employee-financial-wellness/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-arpa-opportunity-webinar-3-key-takeaways/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/the-arpa-opportunity-how-finserv-fintech-and-employers-can-multiply-the-impact-for-customers-and-workers/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-role-of-public-policy-in-solving-the-emergency-savings-crisis/</loc>
		<lastmod>2024-01-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/benefits-pro-what-recordkeepers-are-doing-to-help-americans-build-emergency-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/hr-executive-why-financial-education-is-goodbut-action-is-so-much-better/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/atm-marketplace-contactless-payments-offer-opportunity-to-advance-financial-security/</loc>
		<lastmod>2021-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-social-support-can-help-lower-income-people-save-money/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/human-resource-executive-hre-health-benefits-leadership-conference/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/spring-seminar-seattle-chapter-of-the-western-pension-benefits-council/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/ai-and-emerging-tech-for-an-inclusive-recovery/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-data-and-credit-can-help-close-the-gender-wealth-gap/</loc>
		<lastmod>2023-09-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/investment-news-the-401k-industry-likes-emergency-savings-are-plan-sponsors-ready/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plansponsor-recordkeepers-responding-to-focus-on-emergency-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/benefitspro-four-considerations-for-integrating-emergency-funds-with-retirement-plans/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pensions-investments-commentary-recordkeepers-offer-opportunity-to-advance-worker-financial-security/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-sandbox-fintech-talks-2/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-york-times-a-break-for-working-families/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/money-what-the-new-stimulus-bill-means-for-jobless-americans/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/agents-of-change-creating-a-wealth-of-opportunities/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-sandbox-fintech-talks/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/voya-adds-new-emergency-savings-solution-to-its-suite-of-financial-wellness-support-offerings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/recordkeepers-role-in-providing-emergency-savings-for-an-inclusive-recovery-webinar-3-key-takeaways/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-new-research-recordkeepers-role-in-providing-emergency-savings-for-an-inclusive-recovery/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-and-traditional-pathways-for-closing-the-racial-wealth-gap/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dc-industry-must-cooperate-to-offer-emergency-savings-accounts/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-to-address-systemic-financial-insecurity-for-non-traditional-workers/</loc>
		<lastmod>2023-05-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/techr-series-commonwealth-to-address-systemic-financial-insecurity-for-non-traditional-workers/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/yahoo-finance-why-the-new-look-back-rule-could-mean-bigger-tax-refunds/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/lost-a-job-or-income-dont-lose-access-to-key-tax-credits/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/voya-joins-with-blackrocks-emergency-savings-initiative/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/voya-joins-blackrocks-emergency-savings-initiative/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/voya-becomes-first-retirement-company-to-join-blackrocks-emergency-savings-initiative-to-advance-workplace-emergency-savings/</loc>
		<lastmod>2023-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/what-we-know-about-the-lookback-and-how-organizations-can-act-on-it-to-support-low-income-families-webinar-3-key-takeaways/</loc>
		<lastmod>2022-08-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-what-we-know-about-the-lookback-and-how-organizations-can-act-on-it-to-support-low-income-families/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-board-of-directors-announces-new-member-dr-kelli-keough/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/making-a-game-of-customer-acquisition/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ap-the-tax-credit-fix-many-cant-afford-to-miss/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/washington-post-the-tax-credit-fix-many-cant-afford-to-miss/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/key-stimulus-tax-credit-provision-provides-vital-financial-relief-for-millions-of-low-income-families/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/preventing-a-tax-time-2021-crisis/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/tax-refund-or-stimulus-check-5-things-to-know-before-filing-your-taxes/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/conquering-the-storm-with-resilience/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/pandemic-imposed-financial-strain-innovations-in-retirement-emergency-savings/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/innovations-in-retirement-emergency-savings-webinar/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-rule-helps-those-who-lost-jobs-in-2020-qualify-for-key-tax-credits/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/non-financial-factors-play-a-key-role-in-reaching-financial-security-new-study-says/</loc>
		<lastmod>2021-10-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/a-dive-into-the-stimulus-packages-tax-provisions/</loc>
		<lastmod>2021-08-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-new-stimulus-deal-includes-6-tax-breaks-that-could-help-americans/</loc>
		<lastmod>2021-08-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/financial-planning-a-dive-into-the-stimulus-packages-tax-provisions/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/uncovering-savable-funds/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/despite-challenging-year-crds-and-plan-leakage-were-sparse/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-low-to-moderate-income-plan-participants-are-bearing-the-brunt-of-the-recession/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/money-mindsets-systems-a-framework-for-positive-financial-futures-webinar-three-key-takeaways/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-money-mindsets-systems-a-new-framework-for-building-positive-financial-futures/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/saving-through-a-crisis-lmi-retirement-plan-participants-covid-19-financial-strategies/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/in-disruption-an-opportunity-for-economic-equality/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employers-help-workers-save-for-a-rainy-day/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/resource/financial-resilience-project/</loc>
		<lastmod>2022-01-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/finovate-west-ai-and-emerging-tech-for-an-inclusive-recovery/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/tax-season-2021-webinar-3-key-takeaways/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-tax-season-2021-a-looming-crisis-for-low-income-families-of-color/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/corporate-america-and-the-u-s-savings-crisis/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/more-workers-get-help-in-building-rainy-day-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/raise-texas-virtual-action-summit-the-roadmap-to-financial-resilience/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/institutions-during-covid-19-opportunity-to-be-a-lighthouse-in-the-financial-storm/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-commonwealth-partnered-with-ups-and-voya/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/commonwealth-and-masschallenge-fintech-takeaways-from-2020-and-why-2021-is-the-year-to-prioritize-financial-security/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/five-key-takeaways-from-social-capital-markets-socap-conference-2020/</loc>
		<lastmod>2021-10-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/podcast-270-tim-flacke-of-commonwealth/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/more-companies-pushing-employees-to-build-a-rainy-day-fund/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/biden-win-could-boost-long-standing-efforts-to-help-the-unbanked/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ups-launches-emergency-savings-initiative/</loc>
		<lastmod>2021-08-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ups-to-offer-employees-a-way-to-save-for-emergencies/</loc>
		<lastmod>2021-10-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/more-companies-are-starting-emergency-savings-programs-for-employees/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/short-term-savings-crucial-for-employee-retirement-security/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/benefitspro-as-covid-financial-crisis-increases-eyes-shift-towards-employers/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/autosave-for-emergencies-webinar-5-things-to-know/</loc>
		<lastmod>2022-09-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-5-things-to-know-about-autosave-for-employers/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-south-deep-dives-financial-health-video-replay/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/benzinga-were-at-a-tipping-point/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-real-cost-of-overdraft-fees/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-south-2020-deep-dives-financial-health/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/designed-for-dynamic-saving/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dciia-rrc-and-commonwealth-research-update/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2020-csa-pre-conference/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plight-of-the-physical-worker-worn-out-bodies-and-little-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/laying-a-foundation-for-the-future/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/staying-afloat-the-financial-coping-strategies-of-lmi-households-during-covid-19/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/study-finds-prize-linked-savings-program-succeeds-in-helping-change-savings-habits/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/saving-through-a-crisis-lmi-plan-participants-financial-strategies-during-covid-19/</loc>
		<lastmod>2022-08-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employers-now-eligible-for-safe-harbor-from-federal-barrier-to-offering-automatic-emergency-savings/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/cfpb-opens-the-doors-to-auto-enroll-employees-in-savings-programs/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/shrm-emergency-savings-accounts-funded-by-payroll-deductions-boost-financial-wellness/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/its-time-to-erase-the-stigma-associated-with-personal-finances-in-the-workplace/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/cfpb-policy-guidance-allows-employers-to-create-automatic-savings-programs/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-lower-income-households-are-weathering-covid/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-resiliency-strategies-webinar-three-key-takeaways/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-research-emergency-savingsa-life-jacket-in-the-covid-economic-crisis/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/setting-the-2021-emergency-savings-policy-agenda/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/corporate-america-your-country-needs-you/</loc>
		<lastmod>2023-08-30</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-collaborates-with-jpmorgan-chase-to-boost-emerging-technology-innovations-for-financially-vulnerable-americans/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/finextra-commonwealth-and-jpmorgan-to-assess-how-new-tech-will-impact-the-financially-vulnerable/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-jpmorgan-chase-to-investigate-fintech-impact-on-financially-vulnerable/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-collaborates-with-jp-morgan-on-emerging-tech/</loc>
		<lastmod>2021-09-01</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/leveraging-retirement-platforms-for-emergency-savings-three-industry-leading-products/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/jpmorgan-chase-commonwealth-announce-2-year-initiative-to-further-democratize-finance/</loc>
		<lastmod>2022-09-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/plansponsor-best-practices-from-behavioral-economics-communicating-in-times-of-crisis/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/consumer-anxiety-grows-around-financial-health/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/chase-commonwealth-to-research-how-tech-affects-low-income-americans/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-collaborates-with-jpmorgan-chase/</loc>
		<lastmod>2021-09-13</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-case-for-stakeholder-dividends-why-its-time-for-the-financial-sector-to-put-its-money-where-its-mouth-is/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-resilience-project-covid-stories-rapid-insights/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/81-see-financial-insecurity-as-a-major-issue-survey/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/a-return-to-pre-covid-19-financial-status-not-good-enough-report/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/new-data-indicates-americans-believe-institutions-are-responsible-to-help-build-household-financial-security/</loc>
		<lastmod>2021-08-09</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/what-are-americans-perceptions-of-financial-insecurity-new-commonwealth-report-offers-insight/</loc>
		<lastmod>2024-02-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/hr-transform-summit/</loc>
		<lastmod>2023-09-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-tsunami-of-volatility/</loc>
		<lastmod>2024-02-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/rethinking-employer-sponsored-savings-accounts/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-record-keepers-can-address-emergency-savings-three-key-takeaways/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employee-auto-savings-account-trial-disclosures-approved-by-cfpb/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-how-recordkeepers-can-address-emergency-savings/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/3-takeaways-from-emerge-live-day-4-rebuilding-resilience/</loc>
		<lastmod>2023-01-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/no-massive-pullback-from-retirement-savings-seen-yet/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-we-plan-to-rebuild-in-the-post-covid-economy/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/401ks-add-covid-19-cash-outs-few-workers-take-them/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/saving-through-a-crisis-how-lmi-retirement-plan-participants-are-weathering-covid-19/</loc>
		<lastmod>2024-01-31</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/why-employer-matches-are-a-critical-underpinning-for-employee-financial-security/</loc>
		<lastmod>2025-01-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/your-brother-or-sister-or-mother-is-asking-for-money-now-what/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/preliminary-insights-on-the-financially-vulnerable-investor/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-covid-19-is-changing-financial-innovation-three-key-webinar-takeaways/</loc>
		<lastmod>2023-08-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-how-covid-19-is-changing-financial-innovation-and-fintechs/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/actionable-insights-for-systemic-change/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-statement-of-solidarity-from-commonwealth/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/should-you-tap-retirement-funds-in-a-crisis-increasingly-people-say-yes/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-financial-institutions-can-leverage-renewed-interest-in-savings/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/solving-financial-vulnerability-in-the-us-key-webinar-takeaways-based-on-new-research/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/social-impact-webinar-series-why-stakeholder-capitalism-is-a-good-bet-in-times-of-crisis/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-solving-financial-vulnerability-in-the-us-new-research-to-spark-new-solutions/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/online-banking-a-new-opportunity-for-financial-institutions-to-get-it-right-for-everyone/</loc>
		<lastmod>2023-08-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/7-takeaways-on-offering-emergency-savings-programs-in-post-covid-19-america/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/managing-through-the-crisis-the-future-of-emergency-savings/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-post-covid-will-be-viewed-differently/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/virtual-briefing-the-impact-of-emergency-cash-for-workers/</loc>
		<lastmod>2022-10-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/what-happens-when-you-give-gig-workers-emergency-cash/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-does-a-coronavirus-hardship-loan-work/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/towards-changing-savings-as-usual/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/what-the-workers-strength-fund-can-tell-us-about-emergency-cash-during-covid-19/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-cares-act-demonstrates-need-for-emergency-savings-within-retirement-funds/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-is-financial-services-addressing-the-savings-crisis-during-covid-19-3-webinar-takeaways/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/how-is-financial-services-addressing-the-savings-crisis-during-covid-19/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/worker-financial-security-a-smart-investment-during-covid-19/</loc>
		<lastmod>2024-06-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/interest-in-emergency-savings-accounts-likely-to-grow-post-covid-19/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/guiding-your-employees-through-stimulus-payments-and-savings-3-webinar-takeaways/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-cares-act-retirement-funds-and-emergency-savings/</loc>
		<lastmod>2022-10-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-guiding-your-employees-through-stimulus-payments-and-savings/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/strategies-for-building-employee-financial-security-during-the-covid-19-pandemic/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/nontraditional-workers-face-big-setbacks-amid-covid-19/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/30-of-etsy-sellers-dont-save-for-emergencies/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-nudge-to-save/</loc>
		<lastmod>2025-10-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-to-support-workers-on-the-frontlines-during-the-pandemic-webinar-takeaways/</loc>
		<lastmod>2021-11-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-how-to-support-workers-on-the-frontlines-during-the-pandemic/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/building-the-case-for-emergency-savings/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/employer-emergency-cash-programs-during-covid-19/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-the-next-workplace-benefit/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/building-financial-security-even-during-a-crisis/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/new-report-etsy-sellers-look-for-more-support-with-the-challenge-of-emergency-savings/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-can-mindsets-support-financial-security/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/op-ed-cross-sector-partnerships-can-enable-cash-relief/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-employers-can-reduce-the-financial-burden-of-covid-19/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-conversation-how-employers-can-reduce-the-financial-burden-of-covid-19-on-their-workers-and-their-business/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/podcast-weve-never-seen-anything-like-this-before/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/small-dollar-loans-highlight-banks-coronavirus-relief-efforts/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-impact-of-coronavirus-covid-19-on-financial-security-a-message-from-executive-director-timothy-flacke/</loc>
		<lastmod>2022-10-14</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/coronavirus-is-shining-a-light-on-americas-lack-of-paid-sick-leave-heres-how-savings-can-help/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/coronavirus-closes-boston-restaurants/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/interise-2020/</loc>
		<lastmod>2023-03-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/aspen-leadership-forum-on-retirement-savings/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/mit-fintech-conference-2020/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/piloting-employee-emergency-savings-the-city-of-boston/</loc>
		<lastmod>2023-01-20</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/emergency-savings-can-help-offset-unexpected-emergencies/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/spark-institute-executive-summit/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/alf-learning-circle-dinner/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/city-of-boston-pilot-program-helps-municipal-employees-build-rainy-day-funds/</loc>
		<lastmod>2021-08-12</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/toward-a-new-capitalism-summit/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/here-are-the-best-ways-to-build-up-emergency-savings/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/reshaping-the-world-2020-financial-inclusion-social-impact-conference/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/7th-digital-finance-summit/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/convening-enhancing-workers-financial-security/</loc>
		<lastmod>2022-03-07</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-emergency-savings-programs-are-gaining-momentum/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/more-slack-how-rethinking-bill-payments-could-improve-financial-security/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-extremely-simple-benefit-you-should-be-offering-employees/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-long-term-goal-that-matters/</loc>
		<lastmod>2023-07-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/highlights-from-2019/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-retirement-plan-record-keepers-can-help-solve-the-emergency-savings-crisis/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/gandotra/</loc>
		<lastmod>2025-07-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-fintech-is-changing-financial-health/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/employee-financial-well-being-conference/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/wealth-building-in-a-digital-economy-conference/</loc>
		<lastmod>2023-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/finally-a-push-to-help-americans-save-for-emergencies/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/unlocking-impact-metrics/</loc>
		<lastmod>2024-02-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/upswell-2019/</loc>
		<lastmod>2024-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/iiex-behavior-conference/</loc>
		<lastmod>2023-03-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/money-20-20-2019/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/strategic-hr-forum/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/socap-2019/</loc>
		<lastmod>2024-04-03</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/mastercard-acorns-to-join-blackrocks-emergency-savings-initiative/</loc>
		<lastmod>2023-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/major-partners-join-the-blackrock-emergency-savings-initiative-building-momentum-around-financial-security/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blackrock-program-to-test-tools-to-boost-saving-by-individuals/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blackrocks-emergency-savings-initiative/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/reuters-blackrock-program-to-test-tools-to-boost-saving-by-individuals/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/boston-fintech-week-2019/</loc>
		<lastmod>2024-04-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/building-financial-stability-can-liquid-savings-help-recession-proof-the-economy/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/sidecar-savings-accounts-create-current-and-future-financial-security/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2019-denver-benefits-summit/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/emerging-technology-and-financial-security-is-it-the-right-tool-for-the-job/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/rainy-day-to-riches-moving-beyond-short-term-financial-security/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/moonshot-for-wealth-envisioning-an-ecosystem-where-wealth-is-possible-for-all/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/peace-of-mind-for-all-fintechs-transforming-the-insurance-market/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/mission-possible-nonprofits-leading-fintech-innovation/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/emerging-tech-and-financial-security/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/join-us-at-boston-fintech-week-starting-sept-9/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/leverage-tax-refunds-and-other-windfall-moments/</loc>
		<lastmod>2025-10-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/boosting-financial-wellness-not-complicated-or-pricey/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-intersection-of-business-value-and-worker-financial-security/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dollars-and-change-radio-interview/</loc>
		<lastmod>2023-11-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-business-impact-of-financial-insecurity/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employer-sponsored-savings-programs-could-be-the-future-of-financial-wellness/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/rise-with-the-raise-release/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-teams-up-with-flourish-savings-to-support-their-goal-of-combining-profit-social-impact/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/employers-help-workers-build-household-emergency-funds/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/savings-innovation-convening-from-financial-education-theory-to-practice/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-straightforward-savings-benefits-can-help-your-employees-and-improve-your-bottom-line/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2019-retail-technology-retail-banking-conference/</loc>
		<lastmod>2024-02-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/minimum-wage-ordinances-tools-for-successful-implementation/</loc>
		<lastmod>2022-03-04</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-america-saves-announce-saveyourrefund-10000-grand-prize-winners-for-2019/</loc>
		<lastmod>2022-10-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/illuminating-a-hidden-safety-net-lessons-from-research-into-employee-hardship-funds/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/emerge-2019/</loc>
		<lastmod>2023-03-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/a-little-known-employer-financial-tool-with-big-potential-for-employee-financial-security/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/viewpoint-boston-can-solve-americas-most-pressing-financial-challenges/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-little-data-can-yield-big-results/</loc>
		<lastmod>2024-02-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-partners-to-improve-financial-security-for-low-income-households/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/early-access-to-wages-a-prized-benefit-costs-employers-little-or-nothing/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/power-of-prepaid-2019/</loc>
		<lastmod>2024-08-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/3-ways-financial-institutions-can-help-end-the-savings-crisis/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/making-the-most-of-the-tax-time-moment/</loc>
		<lastmod>2025-10-15</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2019-aspen-leadership-forum-on-retirement-savings/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-power-of-prizes-2-billion-moved-through-the-walmart-moneycard-vault/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/walmart-moneycard-saves-consumers-2b/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/5-key-takeaways-from-fintech-for-social-impact/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/boston-fed-fintech-for-social-impact/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/got-a-tax-refund-do-something-smart-with-it/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/experts-say-small-tax-refunds-are-a-good-thing/</loc>
		<lastmod>2022-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-critical-role-of-business-executives-in-employee-financial-security/</loc>
		<lastmod>2021-09-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/america-saves-week-2019/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-cost-of-financial-precarity/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/multi-year-effort-launches-to-help-millions-of-financially-vulnerable-people/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/metlife-foundation-commonwealth-launch-multi-year-effort-to-help-millions-of-financially-vulnerable-build-savings-economic-opportunity/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/promoting-financial-security-through-active-ownership/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/support-employee-financial-security-to-build-an-engaged-workforce/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-support-employee-financial-security-to-build-an-engaged-workforce/</loc>
		<lastmod>2023-03-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-envisioning-better-high-deductible-health-plans-2/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/taxtimesavings-2019-twitter-chat/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/savings-innovation-convening-building-employee-financial-security/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/employee-financial-well-being/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/how-csas-and-baby-bonds-can-work-together-to-close-the-racial-wealth-gap/</loc>
		<lastmod>2025-03-25</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/social-impact-connect/</loc>
		<lastmod>2023-01-27</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/relying-on-the-true-experts-to-address-financial-challenges/</loc>
		<lastmod>2025-07-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/for-most-people-higher-yields-dont-inspire-more-saving-heres-what-could-do-the-trick/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/opportunities-for-innovation-payments/</loc>
		<lastmod>2021-09-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/opportunities-for-innovation-insurance/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/think-saving-for-old-age-cant-be-fun-try-making-it-a-game/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-opportunity-to-ramp-up-college-access/</loc>
		<lastmod>2025-07-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-chxd-announce-winners-of-innovation-design-challenge/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/opportunities-for-innovation-new-actors/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/opportunities-for-innovation-decision-making/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-america-saves-team-up-for-the-seventh-year-of-the-saveyourrefund-campaign/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/prize-linked-savings-bill-passes-in-california/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/bringing-social-impact-to-fintech/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/viewpoint-fintech-group-says-new-sector-must-fulfill-a-mission/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/11th-annual-financial-literacy-leadership-conference/</loc>
		<lastmod>2022-10-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/leveraging-investors-to-boost-employee-financial-security/</loc>
		<lastmod>2021-10-22</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/innovations-to-build-financial-security-at-tax-time/</loc>
		<lastmod>2023-04-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/promoting-financial-security-at-tax-time/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/dc-plan-executives-get-serious-about-playing-games/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/credit-union-awards-5000-to-member/</loc>
		<lastmod>2022-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/using-ai-to-build-financial-security-3-questions-financial-institutions-should-ask-themselves/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/building-financial-security-with-rules-of-thumb/</loc>
		<lastmod>2021-10-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/design-innovation-challenge-benefit-selection-for-financial-security/</loc>
		<lastmod>2024-08-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-earn-announce-winner-of-national-tax-time-savings-competition/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-small-dollar-loan-programs-can-be-a-big-benefit-for-employees/</loc>
		<lastmod>2023-04-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/announcing-the-saveyourrefund-2018-grand-prize-winners/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/board-reflections-an-interview-with-keith-malbrue/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/twitter-chat-the-changing-nature-of-work/</loc>
		<lastmod>2021-09-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-changing-nature-of-work/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/webinar-the-changing-nature-of-work/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/affinity-plus-debuts-wincentive-savings-program-in-wisconsin/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/ric-edelman-show/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2018-cfpb-research-conference/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-security-in-the-workplace-innovative-employer-strategies/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/financial-security-in-the-workplace-building-a-foundation-for-financial-wel/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-changing-nature-of-work-amplifying-the-voice-of-the-financially-vulnera/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/using-facebook-for-consumer-insights-and-awareness/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/ncrc-annual-conference-just-economy/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pilots-to-help-workers-build-security-with-wage-hikes/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/new-innovations-in-hr-employee-financial-security/</loc>
		<lastmod>2022-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/save-to-win-banks-hope-to-draw-customers-with-prize-linked-savings-accounts/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-saving-some-of-your-tax-refund-could-win-you-a-cash-prize/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/aspen-institute-summit-on-inequality-and-opportunity/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/raises-raises-and-more-raises/</loc>
		<lastmod>2021-10-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/pls-bill-introduced-in-california/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/savings-games-to-help-you-stash-more-cash/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/learnings-from-boston-saves/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-earn-launch-savers-win/</loc>
		<lastmod>2023-04-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/should-we-pay-people-to-save/</loc>
		<lastmod>2023-04-05</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/taxtimesavings-twitter-chat-january-30th/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/2018-highlights/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/endless-possibilities-for-growth-of-prizes/</loc>
		<lastmod>2023-10-26</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/cfa-financial-services-conference/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/tax-refund-splitting-can-help-ma-families-save/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2017-afcpe-symposium/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/fintech-risks-and-opportunities-an-interdisciplinary-approach/</loc>
		<lastmod>2022-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/fund-my-future-expands-throughout-pittsburgh-pa-area/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/financial-design-experience-conference/</loc>
		<lastmod>2022-10-21</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/nyu-stern-fintech-conference-2017/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/the-cfpbs-data-sharing-principles/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/innovations-to-tackle-college-financial-readiness/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/green-dot-bank-wins-economic-inclusion-award-for-prize-savings/</loc>
		<lastmod>2022-10-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-tax-advisory-group/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/supplementing-health-expenses-with-savings/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/board-reflections-an-interview-with-brigitte-madrian/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/building-employee-financial-capability/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-fun-way-to-get-americans-to-save-more/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-america-saves-team-up-for-the-sixth-year-of-saveyourrefund/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/financial-empowerment-and-the-tax-time-moment/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/boston-saves-receives-35000-national-league-of-cities-financial-inclusion-g/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/community-banks-prize-linked-savings/</loc>
		<lastmod>2023-03-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/board-reflections-an-interview-with-howell-jackson/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/minnesotas-wincentive-program-continues-to-show-growth/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/who-are-experts-on-financial-vulnerability/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/opportunities-of-hybrid-financial-products/</loc>
		<lastmod>2022-10-10</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/walmart-tries-to-make-better-savers-out-of-the-unbanked/</loc>
		<lastmod>2025-07-24</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/health-insurance-and-financial-security/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/improving-financial-security-through-employer-benefits/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/prize-savings-wins-best-prepaid-incentive-award/</loc>
		<lastmod>2022-10-19</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-impact-of-prizes/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/why-workplace-financial-wellness-programs-are-hot/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/commonwealth-and-america-saves-announce-saveyourrefund-25000-grand-prize-wi/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/keep-your-eye-on-wal-marts-bold-brilliant-behavioral-program/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/card-forum-2017/</loc>
		<lastmod>2023-01-18</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/aarp-savings-innovation-forum/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/can-innovative-financial-products-help-families-manage-volatile-incomes/</loc>
		<lastmod>2022-10-17</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/developing-csa-programs-with-families-in-mind/</loc>
		<lastmod>2022-03-16</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/blog/rise-with-your-raise-linking-raises-to-financial-security/</loc>
		<lastmod>2024-02-08</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/the-gamification-effect-using-fun-to-build-financial-security/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/how-to-trick-people-into-saving-money/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/what-to-do-with-your-tax-refund/</loc>
		<lastmod>2021-08-06</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/news-item/blog-post-half-of-all-americans-dont-have-400-to-spare/</loc>
		<lastmod>2022-03-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/event/2017-ncrc-annual-conference/</loc>
		<lastmod>2023-01-20</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/event/federal-reserve-system-community-development-research-conference/</loc>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/9-smart-ways-to-spend-your-tax-refund/</loc>
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		<loc>https://buildcommonwealth.org/news-item/senators-reintroduce-savings-act-of-2017/</loc>
		<lastmod>2022-03-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/news-item/ways-to-save-and-not-spend-your-tax-refund/</loc>
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		<loc>https://buildcommonwealth.org/event/aspen-institute-summit-on-inequality-opportunity/</loc>
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		<loc>https://buildcommonwealth.org/news-item/preparing-for-minimum-wage-hikes/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/using-rules-of-thumb-to-promote-better-financial-decisions/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/ford-foundation-features-work-of-commonwealth/</loc>
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		<loc>https://buildcommonwealth.org/news-item/building-commonwealth-in-2017/</loc>
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		<loc>https://buildcommonwealth.org/blog/gifting-savings/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/walmart-program-stash-cash-in-savings-account-win-prizes/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/prize-savings-brings-prize-linked-savings-nationwide/</loc>
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		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-new-financial-entertainment-site/</loc>
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		<loc>https://buildcommonwealth.org/news-item/prize-linked-savings-available-nationwide/</loc>
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		<loc>https://buildcommonwealth.org/news-item/wal-marts-unconventional-approach-to-get-people-to-save-prizes/</loc>
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		<loc>https://buildcommonwealth.org/event/helping-low-income-families-build-savings-credit-and-financial-security/</loc>
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		<loc>https://buildcommonwealth.org/event/7th-annual-national-consumer-empowerment-conference/</loc>
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		<loc>https://buildcommonwealth.org/event/2016-afcpe-research-and-training-symposium/</loc>
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		<loc>https://buildcommonwealth.org/event/behavioral-design-project-for-promoting-financial-health/</loc>
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		<loc>https://buildcommonwealth.org/event/the-role-of-childrens-savings-accounts-in-the-economic-social-and-political/</loc>
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		<loc>https://buildcommonwealth.org/event/consumer-engagement-helping-people-want-what-they-need-webinar/</loc>
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		<loc>https://buildcommonwealth.org/news-item/innovations-in-student-loan-repayment/</loc>
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		<loc>https://buildcommonwealth.org/blog/a-new-framework-for-innovation-in-the-federal-banking-system/</loc>
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		<loc>https://buildcommonwealth.org/news-item/americans-can-win-big-for-saving-money-at-tax-time-again-in-2017-with-savey/</loc>
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		<loc>https://buildcommonwealth.org/news-item/america-the-owners-manual/</loc>
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		<loc>https://buildcommonwealth.org/news-item/massachusetts-passes-prize-linked-savings-legislation/</loc>
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		<loc>https://buildcommonwealth.org/news-item/explore-new-ideas-with-us/</loc>
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		<loc>https://buildcommonwealth.org/news-item/new-savings-raffles-entice-more-minnesotans-to-save/</loc>
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		<loc>https://buildcommonwealth.org/news-item/rules-of-thumb-show-success-as-cost-effective-tool/</loc>
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		<loc>https://buildcommonwealth.org/news-item/know-your-rules-of-thumb-for-credit-card-use/</loc>
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		<loc>https://buildcommonwealth.org/news-item/commonwealth-launches-in-dc/</loc>
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		<loc>https://buildcommonwealth.org/event/consumer-engagement-helping-people-want-what-they-need/</loc>
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		<loc>https://buildcommonwealth.org/event/client-journey-mapping/</loc>
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		<loc>https://buildcommonwealth.org/event/encouraging-people-to-save/</loc>
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		<loc>https://buildcommonwealth.org/event/human-insights/</loc>
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		<loc>https://buildcommonwealth.org/blog/minimum-wage-hikes/</loc>
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		<loc>https://buildcommonwealth.org/news-item/commonwealth-at-the-assets-learning-conference/</loc>
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		<loc>https://buildcommonwealth.org/blog/auto-loan-payment-schedules-what-if/</loc>
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		<loc>https://buildcommonwealth.org/blog/save-your-tubmans/</loc>
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		<loc>https://buildcommonwealth.org/news-item/nagging-can-reduce-credit-card-debt/</loc>
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		<loc>https://buildcommonwealth.org/news-item/tech-makes-saving-to-retire-less-a-chore/</loc>
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		<loc>https://buildcommonwealth.org/news-item/center-for-economic-progress-commonwealth-and-america-saves-celebrate-savey/</loc>
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		<loc>https://buildcommonwealth.org/news-item/prizes-spice-up-the-boring-old-savings/</loc>
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		<loc>https://buildcommonwealth.org/news-item/tim-flacke-speaks-at-senate-committee-on-aging/</loc>
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		<loc>https://buildcommonwealth.org/news-item/latest-ideas-to-raise-retirement-readiness/</loc>
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		<loc>https://buildcommonwealth.org/news-item/credit-union-members-save-money-and-win/</loc>
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		<loc>https://buildcommonwealth.org/news-item/saveyourrefund-2016-winner-ebony-brown-parks/</loc>
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		<loc>https://buildcommonwealth.org/news-item/the-case-for-savings-innovation-on-prepaid-cards/</loc>
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		<loc>https://buildcommonwealth.org/news-item/could-gambling-be-the-secret-to-saving/</loc>
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		<loc>https://buildcommonwealth.org/news-item/one-surprising-way-to-get-people-to-save-more/</loc>
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		<loc>https://buildcommonwealth.org/news-item/savingsquest-wins-best-prepaid-innovation/</loc>
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		<loc>https://buildcommonwealth.org/news-item/the-future-of-saving/</loc>
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		<loc>https://buildcommonwealth.org/news-item/credit-union-members-win-10k-grand-prizes-in-save-to-win/</loc>
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		<loc>https://buildcommonwealth.org/news-item/rainy-day-raffle-could-encourage-savings/</loc>
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		<loc>https://buildcommonwealth.org/news-item/trick-yourself-into-becoming-a-better-saver/</loc>
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		<loc>https://buildcommonwealth.org/news-item/massmutual-turns-to-video-games-to-boost-retirement-savings/</loc>
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		<loc>https://buildcommonwealth.org/news-item/rochester-man-wins-1000-in-wincentive/</loc>
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		<loc>https://buildcommonwealth.org/news-item/save-tax-refund-you-could-win-cash/</loc>
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		<loc>https://buildcommonwealth.org/news-item/could-lottery-like-prizes-boost-savings-rates/</loc>
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		<loc>https://buildcommonwealth.org/news-item/savings-act-introduced-in-senate/</loc>
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		<loc>https://buildcommonwealth.org/news-item/affinity-plus-one-of-14-mn-credit-unions-to-offer-wincentive/</loc>
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		<loc>https://buildcommonwealth.org/news-item/turn-your-tax-refund-into-more-with-myra/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/a-lottery-type-savings-account-you-may-want-to-try/</loc>
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		<loc>https://buildcommonwealth.org/news-item/hcua-kicks-off-mo-session-with-parity-prize-linked-savings-bills/</loc>
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		<loc>https://buildcommonwealth.org/news-item/credit-unions-offer-prizes-for-people-who-save-money/</loc>
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		<loc>https://buildcommonwealth.org/news-item/hong-kong-children-now-learn-about-financial-literacy/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/new-rules-for-banks-would-help-lower-income-save/</loc>
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		<loc>https://buildcommonwealth.org/news-item/stepping-up-saving-ed/</loc>
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		<loc>https://buildcommonwealth.org/news-item/for-many-the-prize-is-a-savings-account/</loc>
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		<loc>https://buildcommonwealth.org/news-item/abnb-federal-credit-union-members-win/</loc>
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		<loc>https://buildcommonwealth.org/news-item/consumers-still-struggling-to-save-money/</loc>
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		<loc>https://buildcommonwealth.org/news-item/savings-on-prepaid-cards-an-opportunity-for-consumers-and-industry/</loc>
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		<loc>https://buildcommonwealth.org/news-item/theres-gambling-going-on-at-this-bank/</loc>
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		<loc>https://buildcommonwealth.org/news-item/big-savings/</loc>
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		<loc>https://buildcommonwealth.org/news-item/behavioral-experiment-spurs-saving-with-lottery/</loc>
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		<loc>https://buildcommonwealth.org/news-item/usaa-app-help-millennials-save/</loc>
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		<loc>https://buildcommonwealth.org/news-item/will-prizes-get-more-low-income-people-to-save/</loc>
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		<loc>https://buildcommonwealth.org/news-item/appeal-of-savings-bonds-wanes-in-low-interest/</loc>
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		<loc>https://buildcommonwealth.org/news-item/why-you-should-never-ever-play-the-lottery/</loc>
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		<loc>https://buildcommonwealth.org/news-item/a-fat-tax-refund-says-your-strategy-is-wrong/</loc>
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		<loc>https://buildcommonwealth.org/news-item/seeing-a-tax-refund-as-a-financial-opportunity/</loc>
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		<loc>https://buildcommonwealth.org/news-item/prize-linked-savings-you-can-bank-on-winning/</loc>
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		<loc>https://buildcommonwealth.org/news-item/a-lottery-you-cant-lose/</loc>
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		<loc>https://buildcommonwealth.org/news-item/lottery-should-embrace-games-encourage-savings/</loc>
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		<loc>https://buildcommonwealth.org/news-item/mass-should-allow-banks-to-offer-lotteries/</loc>
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		<loc>https://buildcommonwealth.org/news-item/can-lotteries-at-banks-get-people-to-save-more/</loc>
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		<loc>https://buildcommonwealth.org/news-item/one-solution-to-americas-lottery-addiction/</loc>
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		<loc>https://buildcommonwealth.org/news-item/put-in-25-get-10000-back/</loc>
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		<loc>https://buildcommonwealth.org/news-item/how-money-stress-hurts-you-and-your-job/</loc>
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		<loc>https://buildcommonwealth.org/news-item/campaign-to-legalize-lottery-like-savings-awards-gains-momentum/</loc>
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		<loc>https://buildcommonwealth.org/news-item/using-gambling-to-entice-low-income-families-to-save/</loc>
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		<loc>https://buildcommonwealth.org/news-item/use-cash-prizes-to-encourage-saving/</loc>
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		<loc>https://buildcommonwealth.org/news-item/playing-the-odds-on-saving/</loc>
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		<loc>https://buildcommonwealth.org/news-item/the-lottery-you-cant-lose/</loc>
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		<loc>https://buildcommonwealth.org/news-item/can-vampires-make-you-a-better-investor/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/news-item/playing-the-savings-sweepstakes/</loc>
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		<loc>https://buildcommonwealth.org/news-item/app-trepreneurs-bet-mobile-technology-on-americas-financial/</loc>
		<lastmod>2021-08-06</lastmod>
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		<loc>https://buildcommonwealth.org/resource/childrens-savings-accounts/</loc>
		<lastmod>2022-01-05</lastmod>
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		<loc>https://buildcommonwealth.org/resource/prize-linked-savings/</loc>
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		<loc>https://buildcommonwealth.org/resource/gamification/</loc>
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		<loc>https://buildcommonwealth.org/resource/rules-of-thumb-toolkit/</loc>
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		<loc>https://buildcommonwealth.org/resource/civic-savings-2/</loc>
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		<loc>https://buildcommonwealth.org/about/team/malbrue/</loc>
		<lastmod>2024-01-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/stark/</loc>
		<lastmod>2024-01-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/tufano/</loc>
		<lastmod>2024-01-28</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/frankel/</loc>
		<lastmod>2024-01-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/friedman/</loc>
		<lastmod>2024-01-29</lastmod>
	</url>
	<url>
		<loc>https://buildcommonwealth.org/about/team/sosa/</loc>
		<lastmod>2024-01-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/wells/</loc>
		<lastmod>2024-01-29</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/dent/</loc>
		<lastmod>2025-08-04</lastmod>
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	<url>
		<loc>https://buildcommonwealth.org/about/team/keough/</loc>
		<lastmod>2024-01-28</lastmod>
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