TenYour actually gives you a game plan instead of just generic advice. It helps you think ahead about your career, your finances, and what you'd do if something unexpected happens.
- John, customer since May 2024
I'm Joah Spearman and I founded TenYour because I watched my mom raise my older brothers and me with a heart and mind toward generational wealth but a reality that included unexpected job losses, unemployment checks and - at times - reliance on food stamps to get through a paycheck-to-paycheck existence. Through that, however, my mom kept an eye on generational wealth and eventually became the first home owner in my family just a year after I became the first college graduate in my family. I had to see it and live it to believe it. Now I'm making this journey possible for others.
TenYour actually gives you a game plan instead of just generic advice. It helps you think ahead about your career, your finances, and what you'd do if something unexpected happens.
- John, customer since May 2024
TenYour has helped me feel more secure and empowered during a challenging season of unemployment and career transition. Instead of feeling stuck or uncertain, I've had access to support that gave me breathing room—a valuable tool for resilience and stability during an unpredictable time.
- Ambre, customer since October 2025
When I was laid off earlier this year, severance was tight. Without TenYour's payout, I would've had to tap my emergency fund or operate at a net loss due to circumstances completely outside my control. Instead, that payout bridged me to my next role without compromising my financial foundation.
- Hugh, customer since Jan. 2025
Every day, it seems, there's another headline, another article about a massive layoff event at a large company millions of Americans buy products and services from. In 2025 alone, nearly 1.2 million Americans were impacted by layoffs. This is nearly double the number of people laid off in 2015. Job instability is rising.
TenYour exists to give everyday professionals and middle class Americans a way to have financial peace of mind and stability even during times of job instability. The reality is simple: layoffs aren't just about bad company performance or bad professional performance anymore. Today, layoffs occur even when companies post record profits and pay CEOs record bonuses.
TenYour helps professionals mitigate the financial challenges stemming from job loss events while offering a reliable path to long-term savings and wealth building that isn't dependent on your current employer or job.
Praxis Summit 2026
TenYour's founder and CEO Joah Spearman addresses the challenges of building wealth and maintaining financial stability in an era of increasing job instability.
Don't take our word for it. Hear from customers building their Safety Net.
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Video 1 of 4: Customer Testimonial.