This pilot explores whether structured accountability improves saving consistency.

The challenge isn’t knowing you should save. It’s saving consistently when life and spending get in the way.

The conventional response has been education — better tools, more information, clearer dashboards. That misses the point for many of us.

RISE applies proven behavioural science to the challenge of saving: accountability, structure, and a refundable deposit to encourage follow-through.

Small groups. Weekly Zoom check-ins. £50 refundable commitment deposit, returned at the end of the cohort. Your target is privately set — progress reported simply as hit or miss in front of your cohort.

Think of it as a fitness class for your savings.

For some participants, it’s the first time they’ve saved consistently.

No financial advice. No budgeting lectures. Just a structure to make consistent saving — and actually hitting your goals — the path of least resistance.

The first RISE cohort is underway. I’m inviting participants for the second, forming May 2026 — places are limited and screened.