We designed the CIT based upon feedback at meetings and in surveys at affordable housing buildings, an international farmers market and at community organizations. We surveyed in multiple languages to guide the human-centered design of the CIT to meet people’s desires and needs. Owing real estate was the biggest motivation of investing but almost none of the people we surveyed were investing in anything beyond periodic saving. Education on investing and budgeting was high on their list of needs but they were also risk averse. To educate potential investors, we hired a peer learning expert to create a course called “Moving from Owing to Owning”. The course explores in a peer setting people’s relationship with money. What is a want vs a need? We cover goal planning, budgeting, credit scores and the risk vs return of a range of investment options, including the CIT. We hold classes on Zoom for two hours on three successive days and have continued to offer the classes remotely in response to people’s preferences.