Homelessness Hits Record High in California, Jumps Dramatically in Rest of US

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According to the Public Policy Institute Californians have consistently cited homelessness as a top issue facing the state, and in 2024, homelessness reached record highs. Of the nation’s 771,500 people experiencing homelessness, over 187,000 (24%) were in California. 

Let Wealth Go Viral

Prevention & Systemic Approaches

What Happens in the 2×16 Matrix: Depending on the government to solve the problem of homelessness has not produced tangible results. According to the recent news article:

Individuals who participate in the SaveClub’s 2×16 matrix set themselves up for what is closely tied to a guaranteed income program that will provides regular, unconditional cash payments to individuals or families to support basic needs.

The matrix becomes a self funding ecosytem for the participants as the lowest income amount for someone who does not refer anyone is $4,095 per month. Higher incomes are earned with active participation.

California leading state-level efforts fund guaranteed pilots for former foster youth and pregnant people, offer $600-$1,200 monthly that they think will alleviate poverty.

These programs, often run by non-profits and local governments, aim to test effectiveness in improving financial stability, health, and employment outcomes, informing future social policy, with some payments even exempting participants from impacting other benefits like SNAP or Medicaid. 

• Homelessness Prevention Programs: Rental assistance, utility help, and legal aid to stop evictions.
• Income Support: Strengthening social safety nets, potentially including universal basic income, to ensure basic needs can be met.
• Community-Based Responses: Alternatives to policing, like mobile outreach teams, to connect people with services.
• Policy Changes: Addressing discrimination, improving zoning for denser housing, and funding programs effectively. 

California has spent roughly $24 billion on homelessness since 2019, but a state audit revealed a major failure in oversight, with poor tracking of funds and outcomes, leading to increased homelessness despite the massive investment.

Friday, July 19, 2024  4 min readBy: Lee Ohanian

Below is a clear, policy-style proposal written to be understandable by nonprofits, city leaders, faith-based organizations, and impact investors, while still explaining the economic power of SaveClub’s 2×16 Matrix in practical terms.

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Proposal: Leveraging SaveClub’s 2×16 Matrix to Help Alleviate Homelessness in California

Executive Summary

California currently has an estimated 186,000 unhoused individuals, representing the largest homeless population in the United States.

Traditional solutions—temporary shelters, short-term grants, and emergency funding—while necessary, have not created sustainable income pathways that allow individuals to permanently exit homelessness.

This proposal outlines how SaveClub’s 2×16 Matrix compensation system, combined with real-world savings on essential services, can serve as a scalable economic empowerment model that helps unhoused individuals stabilize financially, reduce cost burdens, and generate recurring income—without requiring prior experience, capital, or credit.

SaveClub is not positioned as a replacement for housing or social services, but as a complementary economic engine that creates predictable income and savings, addressing the root cause of homelessness: lack of consistent financial resources.

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The Core Problem

Homelessness persists not due to lack of effort or willingness to work, but because many unhoused individuals face:

• No access to startup capital*
• Limited or inconsistent income
• High cost of basic necessities
• Barriers to traditional employment
• Lack of scalable income opportunities

Even individuals receiving assistance often remain trapped in financial precarity, unable to build momentum.

A second key problem with California homelessness policy, one that is rarely, if ever, discussed, is that there are too many California households who simply do not earn enough to live sensibly in California, given the state’s very high cost of living. For example, nearly half of California households rent, and of this group, about 30 percent—about 1.9 million households—pay 50 percent or more of their pretax income as rent. This is far too high based on the standard recommendation that a household pay a maximum of 30 percent of pretax income as rent.

*Startup Capital Through Practical Micro-Funding

To address the common barrier of startup capital, participants will also be given access to a practical digital guide—the eBook “How to Go from $50 to $13,000 Fast”—which outlines step-by-step strategies for generating immediate, legal, and ethical micro-income using referral systems, bonuses, and leveraged community opportunities.

The purpose of this eBook is not speculation or risk-based investing, but includes:

Cash back app from Rakuten that pays $50.00 per referral.

A bank program that pays $25.00 bonus for opening a checking & savings account for $50.00 and then $75.00 per referral.

SaveClub Opportunity to download a free app and earn $5.00 per user with no limit.

Participants can quickly create cash flow to cover essentials such as phones, transportation, basic housing deposits, and program fees. By equipping participants with a proven roadmap to turn a small starting amount into meaningful working capital, the program removes one of the biggest obstacles to engagement and ensures individuals can fully participate in the SaveClub ecosystem from day one.

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The SaveClub Opportunity

SaveClub combines two critical elements often missing from homelessness interventions:

“A steady, predictable income stream gave families room to breathe — and to plan,” said Stephen Roll, an assistant professor at the Brown School and director of research at the Center for Social Development. “Families used the payments to stay current on bills, avoid crises, and invest in their children. Many were able to build emergency savings for the first time. When we trust families to make decisions for themselves, the outcomes are overwhelmingly positive.”

The SaveClub 2×16 Matrix

1. Immediate Cost Reduction
2. Long-Term Residual Income

1. Cost Reduction as Stabilization

SaveClub provides access to savings on:

• Food and restaurant discounts (2-for-1 meals, free appetizers)
• Appliances and essentials
• Travel and temporary housing discounts
• Healthcare-related products and insurance savings
• Cashback on everyday purchases
• Over 1 million brand-name products at discounted prices

For unhoused individuals or those in transitional housing, lowering monthly expenses is equivalent to increasing income.

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2. Income Creation Through the 2×16 Matrix

SaveClub’s 2×16 matrix creates a structured, duplicatable income system that does not depend on influencer status, social media fame, or large personal networks.

How the 2×16 Matrix Works (Simplified)

• Each participant helps place two individuals into the system
• Each of those individuals helps two more
• This continues across 16 levels, creating a shared economic structure
• Earnings are distributed across five income streams
• The matrix alone has the capacity to generate up to $65,000 per month, not including other commissions

Importantly:

• Individuals do not need to personally recruit large numbers
• Placement and community support allow participants to benefit even with minimal outreach
• Income grows with participation, not with personal wealth

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Application to California’s Unhoused Population

Phase 1: Pilot Program (5,000 Participants)

Target groups:

• Individuals in shelters
• Transitional housing residents
• Recently unhoused individuals
• Participants in workforce reentry programs

Each participant is enrolled into SaveClub with:

• Basic digital access (phone or shared device)
• Community-based onboarding support
• Financial literacy guidance
• Placement into a shared 2×16 matrix

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Phase 2: Income & Savings Impact

If only 25% of participants actively engage:

• 1,250 individuals begin generating monthly income
• Even modest monthly earnings ($300–$1,000) can:
  • Cover phone bills
  • Pay transportation costs
  • Fund housing deposits
  • Reduce reliance on emergency services

As the matrix matures:

• A growing number of participants move into four-figure monthly income
• Some reach full financial independence

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Phase 3: Community Multiplication

As individuals stabilize:

• They assist others in shelters and encampments
• The matrix grows organically
• Communities become self-supporting economic ecosystems

This creates a virtuous cycle:

• Savings → Stability
• Stability → Participation
• Participation → Income
• Income → Housing

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Why This Model Is Different

Traditional Models

• One-time funding
• High administrative costs
• Limited scalability
• Dependency-focused

SaveClub Matrix Model

• Recurring income
• Community-powered
• Scales without proportional cost increases
• Dignity-based empowerment

Participants are contributors, not recipients.

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Estimated Impact at Scale

If 10% of California’s 186,000 unhoused individuals (18,600 people) participate meaningfully:

• Thousands gain monthly recurring income
• Millions in collective purchasing power are unlocked
• Local economies benefit
• Public costs tied to homelessness decrease
• Long-term housing retention improves

Even partial success produces measurable system-wide relief.

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Implementation Partners

This model works best in collaboration with:

• Nonprofits and 501(c)(3) organizations
• Faith-based groups
• City housing authorities
• Workforce development programs
• Community outreach organizations

SaveClub provides the economic engine; partners provide human support and infrastructure.

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Conclusion

Homelessness cannot be solved by housing alone.
It must be solved by income stability.

SaveClub’s 2×16 Matrix offers a scalable, dignified, and sustainable pathway for unhoused individuals to reduce expenses, generate residual income, and regain financial independence—while strengthening communities from the inside out.

This is not charity.
This is economic inclusion.

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At the heart of every successful venture—whether it’s a child selling lemonade on the corner or a trillion-dollar technology company—there is one unshakable principle: solve a problem, and value will follow.

Yet today, millions of people are working harder than ever and still falling behind. They aren’t lazy. They aren’t unmotivated. They’re simply operating inside a system that was never designed to reward them.

That is exactly why Save Club exists—and why it has become the foundation of a growing movement to help everyday people reclaim financial control and build lasting wealth through service.

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The Reality Most People Are Living In

Across the globe, the same financial pressures repeat themselves:

• Budgets are tighter than ever
• Families are stretched thin
• Time feels scarce
• Passive income feels out of reach
• Big corporations continue to profit while everyday people struggle to keep up

Most households aren’t failing because they lack effort. They’re failing because inflation rises faster than wages, essential costs keep increasing, and traditional systems reward corporations—not communities.

The intent of the viral cashz system is to find the solution for individuals by offering low cost high income program that provide the tools and the training that they need to become financially free.

People are working full-time jobs, sometimes multiple jobs, and still living paycheck to paycheck.

They are told to “save more,” yet the system drains them faster than they can recover. They are told to “invest,” yet few are taught how to build income before investing.

This isn’t a motivation problem.
It’s a model problem.

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Flipping the Script: From Consumer to Contributor

What if the script could be flipped?

What if instead of being trapped as a consumer—constantly spending money and watching it disappear—you became someone who redirects dollars with intention?

What if helping others save money, shop smarter, and make better financial decisions also created income for you?

What if wealth wasn’t about luck, privilege, or elite access—but about service, systems, and duplication?

This is where Save Club changes everything.

Save Club empowers people to move from financial survival into financial contribution—where saving money, sharing tools, and helping others becomes the foundation for sustainable income.

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The Wealth Equation: Service = Solution = Success

Wealth isn’t reserved for the lucky or the elite.
It flows to the resourceful.

The people who observe pain points and offer a pathway forward. The people who understand that income is not about convincing others to buy something they don’t need—but about helping people solve problems they already have.

This is the true wealth equation:

Service = Solution = Success

When you serve real needs, you create real value. When you provide solutions, you create trust. And when trust compounds through duplication, success becomes inevitable.

Save Club is built entirely on this principle.

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How Save Club Empowers You to Create Impact

Save Club is not just a savings platform. It is a wealth-building ecosystem designed to meet people where they are—and elevate them step by step.

With Save Club, you are empowered to:

Help Families Stretch Their Budgets

Save Club provides smart savings tools, cashback portals, and bill-reduction services that immediately put money back into people’s pockets. For families struggling to keep up, even small savings can create breathing room—and hope.

Offer a Simple, Accessible Income Stream

Save Club allows everyday people to earn income online by sharing value. No inventory. No complicated systems. Just tools people already need, packaged into a model that rewards service.

Show People How to Regain Their Time

Residual income is not about working forever—it’s about working once and getting paid repeatedly. Save Club introduces people to income streams that grow as their community grows, freeing time instead of consuming it.

Empower Global Communities

Because Save Club is digital and accessible, it removes geographic barriers. Anyone with a smartphone and an internet connection can participate in wealth creation—regardless of background or location.

Redirect Money from Corporations Back to People

Instead of profits flowing only to massive companies, Save Club redirects spending into the hands of those who share the platform. Members earn from the same everyday purchases people already make—groceries, travel, dining, shopping.

Educate Others on Wealth Principles

Most people were never taught how money works. Save Club becomes a gateway for financial education—introducing concepts like residual income, leverage, duplication, and intentional spending.

Build Community, Not Just Customers

This isn’t about transactions—it’s about transformation. Save Club creates belonging, shared goals, and collective growth. People don’t just join a platform; they join a movement.

Restore Hope to Those in Survival Mode

For people drowning in debt or stuck in survival thinking, hope is often the missing ingredient. Save Club restores belief by showing what’s possible when systems work with people, not against them.

Teach Duplication and Leadership

True wealth multiplies when it’s shared. Save Club teaches people how to duplicate success—so one life changed becomes ten, then hundreds, then thousands.

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Why This Model Works in Today’s Economy

Traditional wealth-building paths are slow, expensive, and inaccessible for many. Save Club thrives because it aligns with how people already live:

• People already shop
• People already pay bills
• People already search for savings
• People already share recommendations

Save Club simply connects these everyday actions to income and impact.

Instead of convincing people to buy something new, you help them optimize what they’re already doing—and get rewarded for it.

This alignment is why Save Club is growing rapidly and why it resonates across different demographics, income levels, and life stages.

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From Individual Gain to Collective Prosperity

In a world that often rewards greed, Save Club rewards generosity.

The more people you help, the more you earn.
The more value you share, the more trust you build.
The more you duplicate, the more lives are transformed.

This isn’t just a business model—it’s a philosophy.

Wealth doesn’t have to be hoarded. It can be shared, multiplied, and passed forward.

When wealth goes viral, communities change. Families stabilize. Dreams reignite.

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Becoming the Answer Someone Else Is Praying For

Somewhere right now, someone is overwhelmed by bills.
Someone feels trapped in a job they can’t escape.
Someone believes financial freedom is for “other people.”

You can be the answer they’re looking for.

Not by selling.
Not by pressuring.
But by serving.

By offering tools.
By sharing knowledge.
By opening doors.

Save Club gives you the ability to become a connector—between struggle and solution, between survival and success.

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Let Wealth Go Viral

Wealth was never meant to be locked behind gates.
It was meant to flow—through people, through service, through community.

When you help others save, you create value.
When you help others earn, you create opportunity.
When you help others duplicate, you create freedom.

This is how wealth goes viral.

And it starts with one decision:
to stop being just a consumer of the system—and become a contributor to something better.

Let wealth go viral.