May 18, 2026
From Goals to Reality: Closing the Gap Between Independence Planning and Daily Programming in IDD Services A practical framework for aligning ISP outcomes with daily programming in HCBS environments
Executive Summary: Home and Community-Based Services (HCBS) systems are designed to promote independence and self-direction for individuals with intellectual and developmental disabilities (IDD), with Individual Support Plans (ISPs) serving as the primary framework for defining these goals. Despite this emphasis, translating independence-focused planning into consistent daily programming remains a persistent challenge. This paper examines the […]
May 15, 2026
Take Charge America Launches Take Charge Lab, a New Digital Financial Education Platform Designed to Build Real-World Money Skills
Phoenix, Arizona — May 15, 2026 — Take Charge America, a nonprofit organization dedicated to helping individuals improve their financial well-being, today announced the launch of Take Charge Lab, a new digital financial education platform designed to make financial learning more accessible, engaging, and practical for diverse learners. Take Charge Lab was created to address […]
March 17, 2026
Financial Education for Adults with IDD
Financial independence is something many people strive for, but for adults with intellectual and developmental disabilities (IDD), access to practical, accessible financial education is often limited. At Take Charge America, we believe financial education should be inclusive, empowering, and designed to meet people where they are. That belief has guided our work in expanding resources […]
February 18, 2026
How Many Credit Cards Should You Have?
When building and maintaining credit, a question that often comes up is: “How many credit cards should I have?” It’s understandable that people think there’s a formula or magic number that’s right for everyone. The truth is, like all things related to personal finance, the answer varies based on each person’s individual circumstances and goals. […]
February 18, 2026
Does it Make Sense to Lease a Vehicle?
I am frequently asked if leasing is ever a good idea. The answer is no. Before you get all excited about tax credits and buying a depreciating asset and all that stuff, let me qualify my statement. If you are a CPA or have an MBA and earn at least $100,000 a year you can […]
February 18, 2026
Debt Relief Companies: Before You Sign an Agreement
“Debt relief” is a broad phrase. It can refer to several strategies, including negotiating directly with creditors, working with a nonprofit credit counselor, enrolling in a debt management plan (DMP), or using a for-profit debt settlement company. Many advertisements use “debt relief” to mean debt settlement, so it is worth confirming what debt relief companies […]
February 18, 2026
Robert Buffay
“Before Take Charge Lab, money just felt confusing. I avoided looking at my accounts because it stressed me out. The classes broke things down in a way that finally made sense. I don’t feel overwhelmed anymore — I actually feel in control.”
February 16, 2026
Get to Know Different Types of Savings Accounts
We all know it’s important to save money for emergencies and to put money aside for larger purchases, such as a down payment on a new car or even a home. But where should that money go? As with all financial products, consumers have many choices when it comes to where and how they store […]
February 16, 2026
How to Help Teens Use Peer-to-Peer Payment Apps Safely
Rather than carrying cash or even using a debit card, many teens rely on peer-to-peer payment apps to conduct many of their financial transactions. These apps are convenient and easy to use, but they can also cause financial distress if something goes wrong. These tips will help you help your teen use peer-to-peer payment apps […]
February 16, 2026
5 Reasons to Avoid Store Credit Cards
“Sign up now and you’ll get 20% off your entire purchase!” Sound familiar? Many retail stores offer this — or a similar deal — to entice consumers to sign up for a credit card. Even though it may be tempting, many store credit cards aren’t as attractive as they seem. Here’s why it’s best to avoid […]