After the other E-word (ESG), Emergency Savings is one of the year’s hottest topics. We wanted to know: how much of that is talk, and how much of it is action? We cornered our friend Sid Pailla, CEO of new firm Sunny Day Fund, to shed some light for us.

Hurrah December ❄️. We’re energized by the holiday season with its brightest lights, lush decorations and good food and company. In the spirit of savoring the season and enjoying the moment, grab yourself a cuppa and settle in for a great read:

• Sid Pailla – Double-clicking on Emergency Savings – what we’re learning

• Fresssh! State Auto IRA metrics

• Key updates from California, Illinois, Maryland, New Jersey, and New Mexico

• *Announcement* and Introductions – to DCIIA

• The latest and best news you need: Hot Sauce and Cool Stuff

• Pix of the week – Goodies for our super-scrollers!

To us here in the US, Happy Almost 🦃Thanksgiving! … and a thank you note from us to you. Let us give you a little break between email and making your friends-and-family plans to catch up on the world of retirement security. It’s cold here – grab your pumpkin spice and nestle in:

• Leaning into Latinx – we can do better – what we learned in the great PR

• We have fresh State Auto IRA metrics

• Key updates from California, Delaware, Maine, New Mexico, and Oregon

• Joel Metlen invites you to think about social determinants of health and well being

• We keep your brain spicy with Hot Sauce, Cool Stuff

• PIX of the week! – some sunshine and a soliloquy from a 500-year-old town