From budgeting apps and online articles to workshops and social media, Americans have more access to financial information than ever before. Yet many still struggle with day-to-day financial decisions and longer-term needs such as retirement, paying for college, and buying a home. Financial Health Pulse research finds that less than half (47%) of households spent less than their income in 2026, while only 68% of households reported paying all their bills on time.

The challenge is not just access to information. More often, it is turning relevant information into action.

• • Knowing that saving matters is different from building an emergency fund or preparing for retirement
  • Understanding credit is different from improving a credit score and becoming mortgage-ready
  • Learning to budget is different from balancing today’s expenses with long-term goals, such as college or homeownership

That’s why advancing financial health requires more than education. People also need personalized guidance and practical support to address immediate needs, plan for major milestones, and take meaningful next steps.

That’s the belief that shaped Get Money Ready, Wells Fargo’s digital financial education and coaching platform. The tool brings together education, personalized coaching tools, and action-oriented planning in one digital experience. Get Money Ready aims to help people build confidence and make progress on goals ranging from managing daily needs to preparing for retirement, college, and homeownership.

Instead of only offering a static content library, Get Money Ready guides users through personalized experiences based on their unique situation, priorities, and goals. Structured playbooks provide financial insights, curated learning, step-by-step action plans, and connections to relevant tools and resources. The focus is not simply increasing knowledge. It is helping people move from learning to doing.

Financial decisions are inextricably tied to employment, housing, education, family responsibilities, entrepreneurship, and economic mobility. Effective support can therefore be embedded in trusted organizations already helping people reach important life and career goals.

Get Money Ready was designed to meet that need: a partner-powered platform that supports workforce development organizations, community nonprofits, educational institutions, housing organizations, and other mission-driven partners. By integrating financial education and coaching into existing programs, participants leave with both learnings from the program and the financial capability to make the most of it.

For example, a workforce organization can help students graduate with both a job and the skills to manage new earnings, save, and plan for retirement. Housing organizations might offer resources on budgeting, credit, down payment, and mortgage readiness. Educational institutions can help students and families plan for college costs and financing, while community organizations can provide ongoing support that addresses immediate pressures while building toward longer-term goals.

Digital delivery also helps address the capacity limits of traditional coaching. It can extend reach, deepen engagement, and provide support outside normal service hours and across life stages. Reporting and measurement capabilities help partners understand engagement and evaluate program performance over time.

No single intervention will solve America’s financial challenges. Progress requires employers, financial institutions, nonprofits, governments, educators, and community organizations to deliver solutions that are accessible, scalable, and responsive to both everyday realities and longer-term goals.

Get Money Ready is Wells Fargo’s contribution to that effort. By combining digital coaching with trusted community partnerships, the platform makes financial guidance more actionable, personalized, and widely available. The goal is to help people build confidence, take action, manage today’s financial demands, and make measurable progress toward lasting financial health.