affordability
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Totemic built a business around the bills people dread
A debt-advice operation that began at home grew into a financial services group selling the tools of its trade. Its most revealing product is a better way to ask people what they can afford.
Forage
Forage is a San Francisco payments company that makes it easy for retailers and online platforms to accept government benefits like SNAP EBT, WIC, and HSA/FSA. It is one of only a handful of third-party processors approved by the USDA to handle online EBT, pairing a unified merchant API with hands-on certification support. On the consumer side, its Forage app helps low-income families check their EBT balance, find discounts, and earn rewards. The technology runs at more than 100,000 stores across all 50 states, including Dollar General, Save A Lot, Gopuff, DoorDash, and Uber Eats.