First, Let's Fire All the Managers

Americans don’t save enough - in 2005, Americans’ personal savings rate was negative for the first time since the Great Depression ─ instead of piling up savings, we are piling up debt. Two behavioral economics columns on how switching signup for a 401K plan from opt-in (say yes to be enrolled) to opt-out (say no to be un-enrolled) dramatically raises enrollment rates.

For triple-bottom-line businesses, there are no guarantees that responsible practices will continue after a sale of the company. 'B corp', a new form of corporation in the United States, is one that aims to maximize not just profit, but social and environmental good.

Corporations concerned about their social and environmental impact must also consider the costs. Bcorps, a new form of corporation in the U.S., are using a rigorous certification process to gain consumers trust and boost sales.

Foreclosure affects millions of homeowners and millions more owe more on their mortgages than what their homes are worth, but Empowering and Strengthening Ohio’s People (ESOP), offers assistance. As a free service to borrowers, ESOP holds lenders accountable with fair lending agreements, creates constructive communication, and ultimately saves homes.

Companies who outsource often fuel the race to the bottom for global workers' standards. Two companies, Digital Divide Data and Samasource, offer a model for outsourcing which is profitable and also prioritizes social impact.

After years of banning labor unions in Bangladesh, garment workers unionized to fight for higher wages and safer working conditions. For women, this isn't traditionally a space they were welcomed in, but now they’re holding their own meetings to ensure women’s safety is ensured on the job.

For years, one of Cleveland's poorest neighborhoods seemed unalterable no matter how many government programs and well-meaning philanthropies got involved; a place where abject poverty, joblessness and crime reinforce the racism in a city long divided, and where infants still die at a higher rate than almost anywhere else in the country. But a former CIA executive and a new breed of lettuce are transforming the poorest parts of the Rust Belt city.

For decades, migrant workers in Florida have been employed under dreadful conditions, picking produce without breaks under extreme temperatures and women being sexually harassed. The Coalition of Immokalee Workers has demanded that growers increase wages, mandate rest breaks, and prohibit sexual harassment. The Coalition has partnered with big food companies, notably McDonald’s, Yum Brands, and Walmart, which have pledged to buy only from growers who follow these standards.

Lotteries aren’t usually considered part of the solution to a savings crisis experienced across America, particularly by the nation's poor, but with more hopefuls purchasing lottery tickets than setting aside rainy day funds, one organization, Doorways to Dreams, is working to change federal and state laws to allow banks to offer prize-linked savings. In Michigan, the programs have seen some success.

America’s system of health care is based on an old industrial-era model, without taking into account a decentralized, mobile, independent workforce that remains largely unprotected without health and unemployment insurance. The Freelancers Insurance Company, based in New York State, offers competitive premiums by having their executives receive salaries at low wages. The model keeps costs under control, which in turn makes health care more accessible to independent workers.