Nicole, If your offer to help still stands, and you have the time, would you consider joining this team? I'm a little stuck on how to effectively push the idea forward and could use the help. Let me know.
This is one of the few ideas posted that doesn't assume folks have income to begin with - and I like that. Using "Financial Empowerment" to only mean managing your money better is a narrow view. It may be the narrow view that was intended by the challenge, but there are other ways to think about it as you have demonstrated. I would like to see more ideas like these - answering the question of "what are sustainable ways to put money in people's pocket in the first place".