DIPS Explained


Why is this Important?

“Anyone who has ever struggled with poverty knows how extremely expensive it is to be poor.” – James Baldwin

Rather than providing social workers, conditional services or specific direction, the Direct Investment Program creates an environment where families come together, empower themselves and are trusted to improve their lives in their own way. This type of social justice investing empowers families to build both financial and social capital to help address inequities in our region.

Even before the pandemic, a majority of Americans could not afford an unexpected $400 expense in cash. After a year of increased social isolation and financial precarity, there is no time like the present to invest in our most experienced personal finance experts: hardworking families. 

Who is Eligible?

Families must have the following

  • A Sacramento County address
  • Internet access and a web-enabled device for UpTogether
  • A method of verifying identity and residence in Sacramento County
  • A method of verifying income

Additionally, ideal participants have an annual income of 150% of the CPM or less, depending on their household composition. Please use the table below to help inform your decision to enroll in DIPS.

How it Works

DIPS fund families will receive $300/month for 24 months through the UpTogether online platform. Families will also respond to surveys, make groups, and set goals on UpTogether, sharing their experiences and unique expertise with other participants.

How does this tie into United Way’s Square One project? 

The Direct Investment Program in Sacramento falls under the Square One/Set High Expectations building block for success. Through this pillar we help kids and their families aim high and achieve their goals.