Welcoming immigrants is a moral necessity. Out of the Mattress is going a step further, doing the hard work of integrating Americans into the social fabric and ensuring they receive all the benefits of the society we've built.  

Love this important mission especially at this time!

*“I was very afraid of money. After the program, I feel more secure. I have a solid plan for my retirement. Now my money is invested and working for me."* — Tálita Moreira

For immigrants, navigating U.S. finances is trickier than it seems. What you can invest in depends on your visa, and moves that seem harmless can put your status at risk. Out of the Mattress provides free financial guidance for immigrants, by immigrants. We exist because too many of them keep their money in places they shouldn’t.

Our free, four-week program teaches immigrants to budget, save, and invest. Every class has 20 students, and we open each one the moment it's funded. 

In 2025, 76 people went through the program. By the end, 84% had opened a savings or investment account they built themselves, financial confidence rose 63% on average, and financial stress dropped 36%.

**Right now, we have a waitlist of people ready to enroll.** A full seat costs $300, and every dollar gets someone from that waitlist into the program sooner.

*"I thought I was late to the game, but this program made me realize I can actually retire someday."* — Mayne Giacomin

Help immigrants stop keeping their money in the mattress

**Every $400 we raise puts an immigrant family on the path to financial independence.**

If you believe where you're born shouldn't determine your financial future, this is your opportunity to help. Out of the Mattress is a nonprofit helping immigrants build financial independence through free, one-on-one personal finance coaching.

Like so many immigrants, our student started in a service job, building her life in New York City over 12 years. Despite steady income, she lived paycheck-to-paycheck. The problem wasn't her work ethic—it was access to information. With no mentors, she never learned what accounts to open, how to plan for retirement, or which banks welcomed immigrants.

After opening a high-yield savings account and a Roth IRA, she told us: *"This is the first time in my life that I feel really calm about money. It feels amazing to have two months of rent saved up."*

**We’re seeking $30,000 to provide financial coaching to 75 immigrant families this year.** Every $400 sponsorship helps one household eliminate predatory fees, build credit, and start investing: creating ripple effects that strengthen entire communities.

Here’s how you can make an impact:

- $400 sponsors one family’s complete financial transformation
- $1,200 creates financial security for three households
- $4,000 enables ten families to start building credit and savings

When immigrant families prosper, we all benefit through stronger local businesses, increased homeownership, and thriving neighborhoods. Every dollar multiplies as families build credit, save for homes, and launch businesses.

**Support Out of the Mattress and help build an economy where everyone, no matter where they were born, has the tools to achieve financial security.**

*Out of the Mattress is a fiscally sponsored project of Build Up, Inc. with EIN 81-3539714. Your gift is tax-deductible to the extent allowed by law.*

Help Immigrants Achieve Financial Security

Giving immigrants the knowledge to navigate U.S. financial systems and build lasting wealth.

Most financial education fails immigrants because it doesn’t reflect their reality. Our practical, accessible personal finance program helps immigrants break the cycle of living paycheck-to-paycheck and plan their financial futures.

**Vision:** We’re building a country where all of us, no matter where we’re born, have the financial skills to plan for the future, fulfill our dreams, and achieve lasting peace of mind.

**Impact:** Our pilot program has already helped immigrants ranging from 25 to 60 years old build the foundational skills to manage their money. 85% of students have opened a investment or a high-yield savings account by the time they finish the course. In addition, they have higher credit literacy and financial confidence, and lower financial stress.

Build Up, Inc. (“BUI”) is a nonprofit capacity builder that supports the leadership of women and people of color.

Build Up, Inc. (“BUI”) is a nonprofit capacity builder that supports the leadership of women and people of color and incubates and fiscally sponsors charitable projects and organizations that work with under-resourced and invisibilized communities around the world. It is a member of a federated group of companies comprised of Build Up Advisory Group, The Campbell Law Firm, and Build Up, Inc. and focused on transforming life outcomes for vulnerable and marginalized communities. 

A. Nicole Campbell founded BUI to work only with people and projects that pursue brave, social change. We want to interrupt cycles of poverty, injustice, and inequity and problem-solve with marginalized and vulnerable communities. As you can imagine, we envision what is possible and work hard to achieve it together. 

Our Mission

BUI empowers women and BIPOC-led organizations building bravely to bring about sustained improvement in the well-being of historically invisibilized communities by acting as a fiscal sponsor, convener, and connector and providing capacity-building resources. 

Our Vision

To bravely facilitate and support socio-economic change and equity around the world to ensure that historically vulnerable communities are removed from the margins.

Build Up, Inc.

Out of the Mattress

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