The math doesn't work for most families.
Average spending has reached $78,535 per year. Median income is $83,730. The gap between earning and existing has never been thinner.
$433
Monthly margin between median income and average expenses
30%
of adults cannot cover 3 months of expenses by any means
63%
of all spending goes to just three things: housing, transportation, and food
Bureau of Labor Statistics 2024 · U.S. Census Bureau · Federal Reserve SHED Survey
Here's how the math changes.
When families join together, they access group pricing across every major expense. The savings stack up — and the difference is life-changing.
The Savings Stack
Housing & Mortgage
Group mortgage rates below retail — the same pricing large companies get
Healthcare
Association health plans that remove administrative overhead
Telecom & Internet
Enterprise-tier pricing normally reserved for large organizations
Food & Groceries
Group purchasing power that reduces what you pay at the register
Auto & Home Insurance
Group-rated policies with lower premiums for the same coverage
Savings vary by household size, location, and current spending. The more families who join, the stronger our collective negotiating power.
Five categories. One membership.
Common negotiates group pricing across every major cost of living.
The more families who join, the stronger our collective negotiating power.
Simple by design.
Join
Sign up in 30 seconds. As more families join, the group becomes larger — and larger groups access better pricing.
Companies partner
Providers across housing, healthcare, telecom, food, and insurance partner with Common to reach millions of committed families.
You save
Switch to Common-partnered providers at your own pace. The savings are real, documented, and verified against your actual prior spending.
Common is a member-owned cooperative. Your family owns a piece of the platform. The board is elected by members. No outside shareholders. The same proven structure behind REI, Navy Federal Credit Union, and Land O'Lakes.
Member-owned
You own it. You govern it. No outside shareholders extracting value.
Free to cancel anytime
No contracts, no commitments. Stay because the savings are worth it, not because you're locked in.
Every dollar verified
Savings are measured against your actual prior spending. Independently audited annually.
Be first in line.
Common is launching its pilot in Northwest Arkansas in 2026. Join the waitlist for early access and founding member pricing.
Common questions
Common is a member-owned cooperative that groups families together to access the same pricing that large organizations enjoy — on housing, healthcare, telecom, food, and insurance. The more families who join, the better the pricing becomes for everyone.
Rewards programs return 1–3% of your spending — helpful, but not life-changing. Costco saves families on retail goods. Common works across five major cost categories simultaneously — housing, healthcare, telecom, food, and insurance. When millions of families negotiate together, the savings are fundamentally different from anything a coupon or loyalty card can deliver.
Yes, completely free. Joining the waitlist just means you'll be notified when Common launches in your area with early access and founding member pricing. There's no obligation — you can decide if the savings make sense for your family when the time comes.
Common is launching its pilot in Northwest Arkansas in 2026. Waitlist members get priority access. The more families who join the waitlist, the stronger our position to arrange great group pricing with providers from day one.
The more families who join, the more everyone saves.