What kind of savings program encourages you to, no requires you to, spend? What kind of savings program has $0 saved during the first month? In fact, every member will save $0 the first month.

That would be an absolutely ridiculous savings program, right? After saving nothing in the first month, any financial counselor will tell you habits have formed--and it is doomed!

The Earn More Spend More Group plan

The Earn More Spend More Group plan is really...