Retirement savings presents a particular challenge in the United States today. Grove Savings is a simple mobile app that helps 1099 workers to save for retirement. By combining automated paycheck-based contributions with short-term liquidity options in the form of an emergency savings account and a loan multiplier, 1099 workers can finally plan for the future while maintaining a safety net today. Our product has three key features that address the specific needs of the 1099 worker. The first is that contributions are tied to paychecks, so the amount added flexes with the customer’s inflows. The second is that 20% of our users’ contributions go into a pooled savings accounts, allowing for some flexibility as customers get accustomed to reduced income. The third is that this savings pool will fund emergency loans, so that customers can address emergencies with a low-cost option that keeps their retirement savings intact.