Frequently asked questions

and answers about the UpTogether Community



What is the UpTogether Community?

The UpTogether Community is an online platform where you can build and strengthen your social networks so you, your friends, family and neighbors can support each other, reach your financial and personal goals, and move up, together. When funds are available, UpTogether Community members can receive capital (cash offers.) These offers also generally depend on your location and household income.

The UpTogether Community is in its infancy right now and we are partnering with our members to bring new features and enhancements to the platform.

How does the UpTogether Community work?

You Share

  • Create or join small groups on the UpTogether online platform with friends, family members and others in your community. 
  • Share solutions and support and help each other reach your goals. 
  • Complete surveys and share your success stories. 

We Learn and Invest

  • We learn from what you and your groups are doing (both on and off the UpTogether platform) and invest in your strengths and initiatives by giving you capital* you can use to reach your goals.
  • You can use the money any way you want and you do not have to pay it back. 

Together We Transform

  • We share your collective and individual successes to show just how much strength, ingenuity and entrepreneurship is embedded in communities that have been historically undervalued and underappreciated. 

    Our ultimate goal is that together, we change the narrative and transform policies so every person is recognized for their strengths and contributions, and have what they need to thrive.

*Capital is not guaranteed and depends on the availability of funds and your household income. 

What do groups on the UpTogether Community do?

UpTogether Community groups do what most social circles do outside of UpTogether; they share connections, opportunities and support to help each other accomplish their goals. By bringing those experiences online, UpTogether groups have the opportunity to 1)strengthen their bonds, 2)access capital to help accomplish their goals, 3)share their ideas and solutions with a broader community and 4)provide evidence to transform stereotypes, beliefs and policies detrimental to undervalued communities.

While most people join or create UpTogether Community groups with people they already know, some members have asked us to help match them with others to form a group. We are working on a group matching process and hope to make it available in the near future.


UpTogether Community Membership.

Who can join the UpTogether Community?

Anyone who is 18 or older and lives in the United States can join the UpTogether Community.


Why should I form a group on UpTogether?

Groups on UpTogether are not like groups on social media platforms. One primary difference is the privacy. We will never sell your data to advertisers or other for-profit groups and you won’t see any unwanted ads.

In addition, UpTogether groups are purposeful, intentional, and relational. What’s shared in your group stays in your group. UpTogether groups are a safe, quiet space where you can invest in your real-life relationships.


Are there requirements to join a group?

In order to join and/or participate in UpTogether groups, you must be at least eighteen (18) years old and live in the United States. Currently, someone in the group must invite you to join. You cannot join a group without being invited. However, you can create your own group and invite others.


UpTogether Investments/Cash Offers

Why does UpTogether give people money?

After 20 years learning from and investing in families, UpTogether (formerly Family Independence Initiative) knows that – contrary to what stereotypes suggest – people with limited incomes are hardworking, resourceful and smart. They are taking actions every day to accomplish their goals and are helping their friends and family do the same. We’re simply investing in what they’re already doing to help them accomplish their personal and financial goals faster so they can all move up, together. (*Capital is not guaranteed and depends on the availability of funds and your household income.)

Who is eligible to receive money from UpTogether?

Typically UpTogether cash offers are available for households earning 50% to 150% of the federal poverty level, which is $10,860 – $32,580 per year for a family of three and $15,340 – $46,020 per year for a family of five. However, there may be cases where funds are available for people outside of these criteria. Cash offers are not guaranteed and depend on the availability of funds.

View Poverty Guidelines

How do I know if I have a cash offer? 

When a cash offer is available for you, you will receive an email or text and a notification on the UpTogether Community along with the terms and conditions of the offer.  You can accept or decline offers. 

How can I receive cash offers from UpTogether?

Cash offers are based on the availability of funds and are not guaranteed. However, to increase your chances of being notified about offers in your area, be sure to complete all the profile information in your UpTogether dashboard, including your address, and be sure we always have your most up-to-date email address and phone number.

If you receive an offer, your can select one of three payout methods:

  1. Direct deposit – an electronic funds transfer into your bank account.
  2. Physical UpTogether card – a prepaid card you will receive by mail. (This works similar to a gift card, meaning you cannot use it at ATMs or to get cash back from stores)
  3. Digital UpTogether card – a virtual card you can use online only. 

Thinking about joining the UpTogether Community but have a few more questions, first? Sign up for one of our info sessions.

(Sesiones de información en español)

Already a member and have specific questions related to your membership? Check out the UpTogether Knowledge Center.